Form 5500 · Employee benefit plan · READING, PA
KLINE PROCESS SYSTEMS, INC.
The filing calls this plan KLINE PROCESS SYSTEMS, INC EMPLOYEE BENEFIT PLAN.
KLINE PROCESS SYSTEMS, INC. of READING, PA is a small professional services employer whose insured group plan is on public record in its Form 5500 filing. Its broker of record is ACRISURE, LLC. Coverage is written through CAPITAL ADVANTAGE ASSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2612776 · plan 501 · plan year 2025, filed Apr 14, 2026
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How this plan is funded
Self-funded as reported
The plan's financial statement reports paying insurance carriers far less than the premium on its insurance contracts, so most benefits were paid from plan money.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 CAPITAL ADVANTAGE ASSURANCE COMPANY, covers 67 people.
Reported premium across the insured contracts is $728,257, with $15,594 in disclosed broker commissions — about 2.1% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
ACRISURE, LLC 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 CAPITAL ADVANTAGE ASSURANCE COMPANY, UNITED CONCORDIA INSURANCE COMPANY, AMERICAN UNITED LIFE INSURANCE COMPANY and VISION BENEFITS OF AMERICA. CAPITAL ADVANTAGE ASSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY | Health, Dental, Vision | 67 | Jul 1, 2025 | $682,477 | $10,600 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 72 | Jul 1, 2025 | $26,610 | $2,867 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 12 | Jul 1, 2025 | $14,629 | $1,756 |
| VISION BENEFITS OF AMERICA | Vision | 36 | Jul 1, 2025 | $4,541 | $371 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 2526. For the contract year on this filing, the carrier reported $4,541 in premium earned and $2,203 in claims incurred. Dividing one by the other gives 49%.
- VISION BENEFITS OF AMERICA, contract 2526 reported $2,337 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule I
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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