Open any plan below to see its carriers, broker commissions and premiums.
Solo shows those sections on each welfare plan. Your first month is $4.99.
Sponsor portfolioWelfare / HealthEIN 24-0756925
CITIZENS & NORTHERN BANK
90 MAIN STREET, PO BOX 58 · WELLSBORO, PA 16901
5707243411
- Plans filed
- 1
- Years active
- 2015–2025
- Industry
- NAICS 52
- Latest filing
- 2025
Total premiums (latest)
$1.4M
No prior year
Persons covered
425
No prior year
Total participants
427
No prior year
Plans filed
1
No prior year
Plans under this sponsor
1 plan
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Stop-loss | $1.0M | 50.3% | |
| Other | $380K | 18.6% | |
| Life | $215K | 10.5% | |
| Long-term disability | $215K | 10.5% | |
| Dental | $104K | 5.1% | |
| Short-term disability | $104K | 5.1% |
Carrier overview
5 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 521996029 | SL | $623K | 44.2% | 1 | 1 | 0 |
EIN 221964315 | SL | $408K | 28.9% | 1 | 1 | 372 |
EIN 350145825 | LLTDOth | $215K | 15.3% | 1 | 1 | 425 |
EIN 135123390 | DSTDOth | $104K | 7.4% | 1 | 1 | 413 |
EIN 580663085 | Oth | $61K | 4.3% | 1 | 2 | 81 |
Broker overview
33 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| R & B INSURANCE SERVICES LLC | LOCK HAVEN, PA | AFLAC, AMERICAN UNITED LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY | $37K | $4K | $41K | 81.6% | 1 |
| MICHELLE M REEDER | LOCK HAVEN, PA | AFLAC | $6K | $358 | $7K | 13.1% | 1 |
| JUSTIN P ABRAHAM | ALLENTOWN, PA | AFLAC | $601 | $48 | $649 | 1.3% | 1 |
| JOSEPH B MCGINTY JR | MACUNGIE, PA | AFLAC | $576 | $0 | $576 | 1.1% | 1 |
| JEFFREY CHUBB | BLANDON, PA | AFLAC | $395 | $0 | $395 | 0.8% | 1 |
| DANIEL CERO | MONTOURSVILLE, PA | AFLAC | $256 | $48 | $304 | 0.6% | 1 |
| FRED A REEDER | LOCK HAVEN, PA | AFLAC | $246 | $0 | $246 | 0.5% | 1 |
| BAILEY RENEE BROOKS | MILL HALL, PA | AFLAC | $162 | $0 | $162 | 0.3% | 1 |
| STEPHEN D BISSELL | LAURYS STATION, PA | AFLAC | $68 | $0 | $68 | 0.1% | 1 |
| SJC BUSINESS SERVICES LLC | GREEN LANE, PA | AFLAC | $50 | $0 | $50 | 0.1% | 1 |
| ROLLIN C PRICE | MUNCY, PA | AFLAC | $38 | $0 | $38 | 0.1% | 1 |
| DEBRA L CARL | SUNBURY, PA | AFLAC | $29 | $0 | $29 | 0.1% | 1 |
| JAMES I IDDINGS SR | WYALUSING, PA | AFLAC | $26 | $0 | $26 | 0.1% | 1 |
| IRENE E BROOKS | LEBANON, PA | AFLAC | $22 | $0 | $22 | 0.0% | 1 |
| DELMAS R BUTLER JR | PINE GROVE, PA | AFLAC | $19 | $0 | $19 | 0.0% | 1 |
| GEARY L WALIZER | LOCK HAVEN, PA | AFLAC | $15 | $0 | $15 | 0.0% | 1 |
| C A LUPP INC | MECHANICSBURG, PA | AFLAC | $14 | $0 | $14 | 0.0% | 1 |
| JOSEPH M SAULSBERY | MURRELLS INLET, SC | AFLAC | $13 | $0 | $13 | 0.0% | 1 |
| LEAH P GORMAN | NEW TRIOLI, PA | AFLAC | $11 | $0 | $11 | 0.0% | 1 |
| REEDERS INS LLC | LOCK HAVEN, PA | AFLAC | $11 | $0 | $11 | 0.0% | 1 |
| LAUNCHPAD BENEFITS SOLUTIONS LLC | CONSHOHOCKEN, PA | AFLAC | $7 | $0 | $7 | 0.0% | 1 |
| DONNA G SMITH | MYRTLE BEACH, SC | AFLAC | $7 | $0 | $7 | 0.0% | 1 |
| MATTHEW G BERGER | NARBERTH, PA | AFLAC | $6 | $0 | $6 | 0.0% | 1 |
| ANDREW J JUNIKIEWICZ JR | SINKING SPRING, PA | AFLAC | $5 | $0 | $5 | 0.0% | 1 |
| RYAN K GOLDBERG | PHILADELPHIA, PA | AFLAC | $5 | $0 | $5 | 0.0% | 1 |
| DIANNE L MARTIN | HARRISBURG, PA | AFLAC | $4 | $0 | $4 | 0.0% | 1 |
| DARREN D RIDDLE | HARRISBURG, PA | AFLAC | $4 | $0 | $4 | 0.0% | 1 |
| DENNIS A SZCZESNY | PORT CHARLOTTE, FL | AFLAC | $3 | $0 | $3 | 0.0% | 1 |
| ANGELA MASSARELLI | HAMMONTON, NJ | AFLAC | $3 | $0 | $3 | 0.0% | 1 |
| CHRISTOPHER A LUPP | HARRISBURG, PA | AFLAC | $2 | $0 | $2 | 0.0% | 1 |
| DANIEL R JUDY | SOMERSET, PA | AFLAC | $2 | $0 | $2 | 0.0% | 1 |
| MARTIN E BYSTROM | NEW SMYRNA BEACH, FL | AFLAC | $1 | $0 | $1 | 0.0% | 1 |
| DEBORAH B SMITH | DALLAS, GA | AFLAC | $1 | $0 | $1 | 0.0% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan