Form 5500 · Employee benefit plan · PALMERTON, PA
FIRST NORTHERN BANK AND TRUST COMPANY
The filing calls this plan FIRST NORTHERN BANK AND TRUST COMPANY BEN.
FIRST NORTHERN BANK AND TRUST COMPANY of PALMERTON, PA is a 132-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MY BENEFIT ADVISOR. Coverage is written through HARTFORD LIFE AND ACCIDENT and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 24-0579220 · plan 510 · plan year 2026, filed Aug 19, 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
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 HARTFORD LIFE AND ACCIDENT, covers 122 people.
Reported premium across the insured contracts is $97,150, with $9,981 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
MY BENEFIT ADVISOR is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including HARTFORD LIFE AND ACCIDENT, HIGHMARK INC. and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. HARTFORD LIFE AND ACCIDENT writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 122 | Feb 1, 2026 | $73,816 | $7,768 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 109 | Feb 1, 2026 | $8,974 | $1,347 |
| HIGHMARK INC. | Vision | 108 | Feb 1, 2026 | $14,360 | $866 |
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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