Form 5500 · Employee benefit plan · EPHRATA, PA
FOUR SEASONS PRODUCE, INC.
The filing calls this plan FOUR SEASONS PRODUCE, INC. EMPLOYEE BENEFIT PLAN.
FOUR SEASONS PRODUCE, INC. of EPHRATA, PA spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is LACHER & ASSOCIATES INS AGENCY INC. Coverage is written through LIFE INSURANCE COMPANY OF NORTH AMERICA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2013420 · plan 505 · plan year 2025, filed Sep 4, 2026
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2,778 other employer plans in Pennsylvania have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, 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 5 insured contracts covering dental, vision, life and disability; the largest, with LIFE INSURANCE COMPANY OF NORTH AMERICA, covers 830 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, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $369,286, with $5,377 in disclosed broker commissions — about 1.5% 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.
LACHER & ASSOCIATES INS AGENCY INC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 830 | Jan 1, 2026 | $35,899 | $5,377 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life, Disability | 830 | Jan 1, 2026 | $262,141 | $0 |
| VISION BENEFITS OF AMERICA | Vision | 551 | Jan 1, 2026 | $44,142 | $0 |
| PERSONAL ASSISTANCE SERVICES | — | 830 | Jan 1, 2026 | $26,992 | $0 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 1,030 | Jan 1, 2026 | $112 | $0 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 2272. For the contract year on this filing, the carrier reported $44,142 in premium earned and $29,720 in claims incurred. Dividing one by the other gives 67%.
- VISION BENEFITS OF AMERICA, contract 2272 reported $14,423 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.
Reported to OSHA
Reported to OSHA for 2025: 651 employees, 15 recordable cases, 347 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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