Form 5500 · Employee benefit plan · HARBORCREEK, PA
HARBORCREEK YOUTH SERVICES
The filing calls this plan HARBORCREEK YOUTH SERVICES HEALTH AND WELFARE PLAN.
HARBORCREEK YOUTH SERVICES of HARBORCREEK, PA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is C H REAMS & ASSOCIATES, INC. Coverage is written through HM LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 25-0993380 · plan 507 · plan year 2025, filed Jul 7, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
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 4 insured contracts covering vision, life, disability and stop-loss; the largest, with HM LIFE INSURANCE COMPANY, covers 108 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $402,577 in premium and $31,736 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $459,541, with $36,250 in disclosed broker commissions — about 7.9% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HM LIFE INSURANCE COMPANY | Stop-loss | 108 | Jan 1, 2026 | $402,577 | $31,736 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 111 | Jan 1, 2026 | $17,290 | $2,497 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 111 | Jan 1, 2026 | $24,861 | $2,017 |
| HIGHMARK INC. | Vision | 221 | Jan 1, 2026 | $14,813 | $0 |
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: 124 employees, 3 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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