Citizens & Northern Bank
Updated Filing received by DOL
Citizens & Northern Bank, a finance & insurance employer in Wellsboro, Pennsylvania, reported 478 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $50,814 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Unimerica Insurance Company). The Department of Labor received the filing on July 17, 2026, before the deadline.
Who was paid on Citizens & Northern Bank's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Citizens & Northern Bank filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| R & B Insurance Services · Lock Haven, PA | $37,253 | $4,191 | $41,444 | 3 |
| Michelle M Reeder · Lock Haven, PA | $6,314 | $358 | $6,672 | 2 |
| Justin P Abraham · Allentown, PA | $601 | $48 | $649 | 1 |
| Joseph B McGinty JR · Macungie, PA | $576 | $0 | $576 | 1 |
| Jeffrey C Chubb · Blandon, PA | $395 | $0 | $395 | 1 |
| Daniel Cero · Montoursville, PA | $256 | $48 | $304 | 1 |
| Bailey Renee Brooks · Mill Hall, PA | $162 | $0 | $162 | 1 |
| Fred Reeder · Lock Haven, PA | $150 | $0 | $150 | 1 |
| Fred a Reeder · Lock Haven, PA | $96 | $0 | $96 | 1 |
| Stephen D Bissell · Laurys Station, PA | $68 | $0 | $68 | 1 |
| SJC Business Services LLC · Green Lane, PA | $50 | $0 | $50 | 1 |
| Rollin C Price · Muncy, PA | $38 | $0 | $38 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Aflaccoverage not coded | 81 | — | $11,564 | — |
| The Guardian Life Insurance Companydental, short-term disability | 413 | — | $19,895 | — |
| Aflaccoverage not coded | 1 | — | $117 | — |
| American United Life Insurance Companylife, long-term disability | 425 | — | $19,238 | — |
| Unimerica Insurance Companystop-loss | — | — | — | — |
| The North River Insurance Companystop-loss | 372 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Citizens & Northern Bank compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 478 | 478 | +0.0% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $57,560 | $50,814 | −11.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Citizens & Northern Bank Group Health PPO Plan#507 · insurance, general assets | December 31, 2025 | July 17, 2026 | before deadline | 478 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Citizens & Northern Bank pay in health insurance broker commissions in 2025?
Citizens & Northern Bank's 2025 Form 5500 reports $50,814 in broker commissions and fees across 6 insurance contracts ($46,169 in commissions, $4,645 in fees), with R & B Insurance Services receiving the largest share.
Is Citizens & Northern Bank's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Unimerica Insurance Company).
How does Citizens & Northern Bank's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Citizens & Northern Bank because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.