Form 5500 · Employee benefit plan · CLINTON, KY
FIRST COMMUNITY BANK OF THE HEARTLAND, INC.
The filing calls this plan FIRST COMMUNITY BANK OF THE HEARTLAND, INC. BENEFIT PLAN.
FIRST COMMUNITY BANK OF THE HEARTLAND, INC. of CLINTON, KY is a 102-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. Coverage is written through DELTA DENTAL OF KENTUCKY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0159355 · plan 505 · plan year 2025, filed Jul 15, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering dental, vision, life and disability; the largest, with DELTA DENTAL OF KENTUCKY, covers 135 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $78,695, with $9,118 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL MIDWEST LIMITED is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF KENTUCKY | Dental | 135 | Jan 1, 2026 | $42,823 | $4,282 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 100 | Jul 1, 2025 | $24,975 | $3,746 |
| DELTA DENTAL OF KENTUCKY | Vision | 122 | Jan 1, 2026 | $10,897 | $1,090 |
Premium and claims on these contracts
DELTA DENTAL OF KENTUCKY, contract 712120. For the contract year on this filing, the carrier reported $41,278 in premium earned and $30,455 in claims incurred. Dividing one by the other gives 74%.
DELTA DENTAL OF KENTUCKY, contract 712120. For the contract year on this filing, the carrier reported $10,434 in premium earned and $8,630 in claims incurred. Dividing one by the other gives 83%.
- DELTA DENTAL OF KENTUCKY, contract 712120 reported $14,023 in retention.
- DELTA DENTAL OF KENTUCKY, contract 712120 reported $4,950 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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