Form 5500 · Employee benefit plan · REEDSVILLE, PA
KISH BANK
The filing calls this plan KISH BANK HEALTH AND WELFARE PLAN.
KISH BANK of REEDSVILLE, PA spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JEFFREY GUM. Coverage is written through HIGHMARK INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-0764654 · plan 502 · plan year 2025, filed Jul 29, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with HIGHMARK INC., covers 180 people.
Reported premium across the insured contracts is $3,193,984, with $82,546 in disclosed broker commissions — about 2.6% 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.
JEFFREY GUM is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HIGHMARK INC., AMERICAN UNITED LIFE INSURANCE COMPANY, UNITED CONCORDIA INSURANCE COMPANY and VISION BENEFITS OF AMERICA. HIGHMARK INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HIGHMARK INC. | Health | 180 | Jan 1, 2026 | $2,800,609 | $53,925 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 265 | Jan 1, 2026 | $198,592 | $20,953 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 196 | Jan 1, 2026 | $154,547 | $6,168 |
| VISION BENEFITS OF AMERICA | Vision | 225 | Jan 1, 2026 | $40,236 | $1,500 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 2711. For the contract year on this filing, the carrier reported $40,236 in premium earned and $23,531 in claims incurred. Dividing one by the other gives 58%.
- VISION BENEFITS OF AMERICA, contract 2711 reported $16,705 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.
Other plans filed by this employer
How this plan compares
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