First Bank & Trust Cobenefits

First Bank & Trust Co's benefits plans covered 147 active participants in 2025, providing health · life · dental · vision · long-term disability · death benefits · other. Insurance premiums totaled $156,118. Insurance brokers and agents were paid $113,749 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 72.9% of premiums. That is $774 per covered person, in the top 10% of employer plans that report broker pay. Broker pay rose 148% from $45,841 in 2024.