First Federal Bank, a Fsbbenefits

First Federal Bank, a Fsb's benefits plans covered 91 active participants in 2025, providing vision. Insurance premiums totaled $89,134. Insurance brokers and agents were paid $8,256 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 9.3% of premiums. That is $91 per covered person, below the median for employer plans that report broker pay. Broker pay rose 43% from $5,790 in 2024.