LINCOLN BENEFIT TRUST

EIN: 232110865

NEW OXFORD, PA

Total Revenue
$205,619,465
Total Expenses
$203,527,436
Total Assets
$87,640,568
Net Assets
$75,567,420
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1979
Legal Domicile
PA
Principal Officer
MARK NEAL
Phone
7176246493
Tax Period
2024-07-01 to 2025-06-30

LINCOLN BENEFIT TRUST, founded in 1979, is a major nonprofit that reported $205.6M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion.

Mission

THE LINCOLN BENEFIT TRUST WAS ESTABLISHED WITH THE LINCOLN INTERMEDIATE AND SCHOOL DISTRICTS IN THE ADAMS, FRANKLIN, LANCASTER AND YORK COUNTIES OF PENNSYLVANIA TO COLLABORATE TO OFFER EMPLOYEE HEALTH BENEFITS COVERAGE FOR MEDICAL, PRESCRIPTION, DENTAL, VISION AND CERTAIN OTHER BENEFITS FOR ITS MEMBERS.

Program Service Accomplishments

Program 1

EMPLOYEE BENEFITS PAID TO THE EMPLOYEES OF PARTICIPATING MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $185,787,185
Program Service Revenue $0
Investment Income $2,575,090
Other Revenue $17,257,190
TOTAL REVENUE $205,619,465

Expense Breakdown

Grants Paid $0
Salaries & Benefits $92,187
Fundraising Expenses $0
Other Expenses $35,634,274
TOTAL EXPENSES $203,527,436

Year-over-Year Comparison

2024 2023 Change
Revenue $205,619,465 $174,073,526 +0.2%
Expenses $203,527,436 $175,131,522 +0.2%
Net Income $2,092,029 $-1,057,996 -3.0%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
55
Independent Members
55
Employees
N/A
Volunteers
N/A

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
7
$142,442
Total Directors
86
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
KELLY MARTIN CENTRAL - TR 1.00
Director
$0 $0 $0
LAURA STINE CENTRAL - TR 1.00
Director
$0 $0 $0
GREG ALLOWAY CENTRAL - TR 1.00
Director
$0 $0 $0
JILL BOHANNON CENTRAL - AL 1.00
Director
$0 $0 $0
MIRANDA WEAVER DOVER - TRUS 1.00
Director
$0 $0 $0
DAVE MARASCIO DOVER - TRUS 1.00
Director
$0 $0 $0
KRISTINA JACOBY DOVER - ALTE 1.00
Director
$0 $0 $0
KEN MARKS EASTERN - TR 1.00
Director
$0 $0 $0
CARLA MYERS EASTERN - TR 1.00
Director
$0 $0 $0
KRISTEE REICHARD EPHRATA - TR 1.00
Director
$0 $0 $0
HEIDI KUSKA EPHRATA - TR 1.00
Director
$0 $0 $0
JUSTIN SHOWALTER EPHRATA - TR 1.00
Director
$0 $0 $0
DR BRIAN TROOP EPHRATA - AL 1.00
Director
$0 $0 $0
STEPHANIE MILLER EPHRATA - AL 1.00
Director
$0 $0 $0
CHRIS WEBER EPHRATA - AL 1.00
Director
$0 $0 $0
SCOTT WILT FAIRFIELD - 1.00
Director
$0 $0 $0
JENNIFER KANE FAIRFIELD - 1.00
Director
$0 $0 $0
NEIL ROTZ FRANKLIN - T 1.00
Director
$0 $0 $0
TERRY MILLER FRANKLIN - A 1.00
Director
$0 $0 $0
BELINDA WALLEN GETTYSBURG - 1.00
Director
$0 $0 $0
TOM FORTNUM GETTYSBURG - 1.00
Director
$0 $0 $0
SHARON SMITH GETTYSBURG - 1.00
Director
$0 $0 $0
DR JASON PERRIN GETTYSBURG-A 1.00
Director
$0 $0 $0
MORGAN MILLERE GETTYSBURG-A 1.00
Director
$0 $0 $0
BOBBI WEAVER GETTYSBURG-A 1.00
Director
$0 $0 $0
CAROLINE ROYER GREENCASTLE- 1.00
Director
$0 $0 $0
HEATHER ALVEY GREENCASTLE- 1.00
Director
$0 $0 $0
TROY WENTZ HANOVER - TR 1.00
Director
$0 $0 $0
AMY GOTWALS HANOVER - TR 1.00
Director
$0 $0 $0
KATHY FORBES HANOVER - AL 1.00
Director
$0 $0 $0
MARCIA STOKES HARRISBURG - 1.00
Director
$0 $0 $0
LATOYA ELBY-NEWMAN HARRISBURG - 1.00
Director
$0 $0 $0
RICHARD BENDER HARRISBURG - 1.00
Director
$0 $0 $0
MARLENA LANG HARRISBURG-A 1.00
Director
$0 $0 $0
TIM O'LEARY HARRISBURG-A 1.00
Director
$0 $0 $0
DR M CHRISTOPER MARCHESE LIU - CHAIRM 1.00
Officer Director
$0 $0 $0
DR JEFFREY WEST LIU - CHAIRM 1.00
Officer Director
$0 $0 $0
BRENT KESSLER LIU - TREASU 1.00
Officer Director
$0 $0 $0
LAURA KUHN LIU - TRUSTE 1.00
Director
$0 $0 $0
KIM ANSELL LIU - ALTERN 1.00
Director
$0 $0 $0
LEAH PRITCHETT NORTHEASTERN 1.00
Director
$0 $0 $0
DR JASON BOTTIGLIERI NORTHEASTERN 1.00
Director
$0 $0 $0
BRIAN GELLER NORTHEASTERN 1.00
Director
$0 $0 $0
SAMANTHA SCHRYVER NORTHEASTERN 1.00
Director
$0 $0 $0
DELLA ARCHER NORTHEASTERN 1.00
Director
$0 $0 $0
JASON YOUNG NORTHERN - T 1.00
Director
$0 $0 $0
KENNETH SECHRIST NORTHERN - T 1.00
Director
$0 $0 $0
CHARLES GRISCAVAGE NORTHERN - T 1.00
Director
$0 $0 $0
DR STEVEN KIRKPATRICK NORTHERN - A 1.00
Director
$0 $0 $0
ANN HOVERTER NORTHERN - A 1.00
Director
$0 $0 $0
LAUREL FUHRMAN SOUTH EASTER 1.00
Director
$0 $0 $0
TRACEY KERR SOUTH EASTER 1.00
Director
$0 $0 $0
RICHARD MEINL SOUTH EASTER 1.00
Director
$0 $0 $0
MARY CHILDRESS SOUTH EASTER 1.00
Director
$0 $0 $0
JEFFREY MUMMERT SOUTH WEST-S 1.00
Officer Director
$0 $0 $0
CHRISTINE LEASE SOUTH WESTER 1.00
Director
$0 $0 $0
DOUGLAS FUHRMAN SOUTH WESTER 1.00
Director
$0 $0 $0
TREVOR CARRINGTON SOUTHERN YOR 1.00
Director
$0 $0 $0
JONATHAN LEWIS SOUTHERN YOR 1.00
Director
$0 $0 $0
NATHAN HENKEL SOUTHERN YOR 1.00
Director
$0 $0 $0
LORI WOOLDRIDGE SOUTHERN YOR 1.00
Director
$0 $0 $0
SUSAN GREEN SOUTHERN YOR 1.00
Director
$0 $0 $0
MARK CZAPP SPRING GROVE 1.00
Director
$0 $0 $0
ANJIE DOLL SPRING GROVE 1.00
Director
$0 $0 $0
KATHLEEN KRALL SPRING GROVE 1.00
Director
$0 $0 $0
JENNIFER LEPPO SPRING GROVE 1.00
Director
$0 $0 $0
AMY HERSHEY TUSCARORA - 1.00
Director
$0 $0 $0
SHARON MILLER TUSCARORA - 1.00
Director
$0 $0 $0
RODNEY BENEDICK TUSCARORA -A 1.00
Director
$0 $0 $0
WENDY ETTER TUSCARORA -A 1.00
Director
$0 $0 $0
SHELLEY HOBBS UPPER ADAMS- 1.00
Director
$0 $0 $0
DEE CROWDER UPPER ADAMS- 1.00
Director
$0 $0 $0
ERIC HOLTZMAN WAYNESBORO - 1.00
Director
$0 $0 $0
COLLEEN GILDEE WAYNESBORO - 1.00
Director
$0 $0 $0
CORI UREY WAYNESBORO - 1.00
Director
$0 $0 $0
CHELSEA SANDERS WAYNESBORO-A 1.00
Director
$0 $0 $0
SHARON LEVICK WAYNESBORO-A 1.00
Director
$0 $0 $0
LAURA KIESSLING WAYNESBORO-A 1.00
Director
$0 $0 $0
IVY GRUNERT YORK ACADEMY 1.00
Director
$0 $0 $0
DR MICHAEL LOWE YORK ACADEMY 1.00
Director
$0 $0 $0
CYNTHIA LOCKARD YORK ACADEMY 1.00
Director
$0 $0 $0
TINA ZIEGLER YORK ACADEMY 1.00
Director
$0 $0 $0
SHAWN HAIN YORK CITY - 1.00
Director
$0 $0 $0
ELLIE ANN PUHALLA YORK CITY - 1.00
Director
$0 $0 $0
JON BOYER YORK COUNTY- 1.00
Director
$0 $0 $0
SHAWN HONTZ YORK COUNTY- 1.00
Director
$0 $0 $0
KEVIN ALVARNAZ TRUST MANAGE 40.00
Officer
$112,610 $29,832 $142,442
BRENT KESSLER ACTING TRUST 40.00
Officer
$0 $0 $0
MARK NEAL TRUST MANAGE 40.00
Officer
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $205,619,465 $203,527,436 $87,640,568 $2,092,029
2024 $174,073,526 $175,131,522 $86,740,133 $-1,057,996
2023 $164,495,092 $167,098,725 $86,102,848 $-2,603,633
2022 $147,920,729 $157,126,073 $86,968,828 $-9,205,344
2021 $142,208,821 $158,019,848 $96,334,597 $-15,811,027
2020 $142,316,642 $138,747,219 $114,209,490 $3,569,423
2019 $134,177,503 $136,230,640 $108,715,446 $-2,053,137
2018 $140,674,998 $139,605,234 $111,509,597 $1,069,764
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