Orrstown Financial Services, Inc.
Overview
Orrstown Financial Services, Inc. sponsors a self-funded health plan that covered 620 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 620 · prior year 612
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Orrstown Financial Services, Inc. Group Health Plan, plan 505 (620 participants)
- Stop-loss carrier
- Unimerica Insurance Company; The North River Insurance Company
- Broker compensation
- $56K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| The North River Insurance Company | Stop-loss | 508 | $387K | — |
| American United Life Insurance Company, a Oneamerica Company | Life, Long-term disability | 598 | $303K | $50K |
| Heartland | Vision | 465 | $59K | $6K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 620 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Orrstown Financial Services, Inc.
- Sponsor EIN
- 23-0934350
- Plan number
- 505
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 23-0934350 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Orrstown Bank 401(k) Plan
- Type
- 401(k) plan
- Participants
- 826
About this data
Source: Orrstown Financial Services, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Orrstown Financial Services, Inc..