A Jump Into Juice

TRANSIT Cumberland commissioners reinforce their push for regional transit. Page 3

MARCH 31, 2017 • Vol. 33 • No. 14 • $2 www.CPBJ.com

FOOD BUSINESS A JUMP INTO JUICE

Infatuated with the food culture in his native Lancaster County, Cullen Farrell felt more could be done to pay homage to the vegetable side of the county’s agriculture, instead of the usual focus on food from cows, pigs and other livestock. He asked himself, “What’s the most of this place that I can put into something?” The answer came in a bottle. A few years ago Farrell quit his job as a commodity trader for a Chicago company to make organic, cold-pressed juice.

please see JUICE, page 11

Kyle Ober, left, and Cullen Farrell are founders of ríjuice, a cold-pressed juice company with a production facility at Lancaster Farm Fresh Cooperative in East Hempfield Township. PHOTO/AMY SPANGLER

HEALTH CARE Despite federal impasse, costs remain target

By Lenay Ruhl designed to cut the state’s Medicaid spend- which has seen positive results, according to $25.9 billion. Medicaid spending has [email protected] ing while increasing enrollment. to MedExpert. been growing steadily for the past 10 years, Martin is looking for help from health Medicaid blends federal and state fund- according to the state’s Department of Hu- No matter what the federal government care management firm MedExpert. ing to insure children, poor adults and man Services. does about health care, Pennsylvania should Based in California, MedExpert uses others. In fiscal year 2015-16, the federal More than half of all health care services look for ways to spend less on Medicaid, ac- technology to collect data and monitor government spent about $15.3 billion on and procedures are inappropriate, unnec- cording to Sen. Scott Martin (R-Lancaster), patients to improve care. It is currently Medicaid in Pennsylvania, while the state who is preparing to introduce legislation working with Alaska’s Medicaid program, spent about $10.6 billion, bringing the total please see ACA, page 11

FEATURES INDEX INSIDE BUSINESS High costs, changing Awards...... 19 Business Record...... 19 guidelines open door for Inside Business...... 13 private flood insurers. Lists & Leads...... 17 Newsmakers...... 18 Page 13 Off The Clock...... 27 On The Move...... 18 Opinion...... 10 Trending ...... 25 2 www.CPBJ.com • Central Penn Business Journal • 717-236-4300 MARCH 31, 2017 NEWS IN BRIEF Your Medicare plan is out there. Harrisburg company in Centre County, near State College, while Let’s find it together. Hauck was in Lancaster County. The acquisi- making beer documentary tions added a Wormleysburg office and a GK Visual, a photography and video pro- State College-area office to ParenteBeard, duction company known for its “Brewed in which now has six locations in Lancaster, the Burg” film in 2015, has launched a new York, Dauphin, Centre and Berks counties. “Poured in PA” film project that will Brew Crumberland’s Best highlight the beer industry across adding second location Pennsylvania. The owners of Brew Crumberland’s Best Principal filming will on Bridge Street in New Cumberland plan begin later this month and continue through to open a second location by early or mid- the fall, said Nate Kresge, the company’s April at 4902 Louise Drive in the Rossmoyne executive producer and co-owner. The film- Business Plaza in Lower Allen Township, makers will look to interview everyone from the former site of a Cuppa coffee shop. Medicare Made Simple brewers and beer drinkers to hop growers, Co-owner Wade Weiser, who opened Brew malters and bar owners. The company’s Cumberland in 2014 with his sister, Laurel, Take the confusion out of Medicare when you start with goal is to have the film ready for release by a trained pastry chef who worked at The Medicareful’s easy-to-use online plan finder. April 2018. GK has launched a crowdfunding Hotel Hershey and Hilton Harrisburg, said campaign through Indiegogo to support the the new Rossmoyne location will be compa- Compare plans on your own or connect with a local, venture. rable to the New Cumberland location. The independent agent who will help you answer: shop’s niche is homemade food, including • What is the plan’s premium? • Are your doctors and hospitals in the network? Harrisburg chamber VP pastries and other sweets, as well as special- ty drinks. Plus, it has a drive-thru to capture • What are the copays and deductibles? • What’s the plan’s CMS star rating? leaving in April work traffic. The Rossmoyne location will Patricia Bucek has announced she will be mirror that menu and also have the drive- Visit Medicareful.com today leaving her position as vice president of the thru to serve a daytime office crowd. Harrisburg Regional Chamber and Capital Region Economic Development Corp., in Medicareful.com | 2600 Commerce Drive, Harrisburg, PA 17110 | 844-762-2733 Veteran leader retiring ©2017, Ritter Insurance Marketing LLC. All rights reserved. early April for a nonprofit opportunity in her hometown of Pittsburgh. Bucek’s new gig at Carlisle’s Safe Harbour will be national director of marketing and Wendell Hollinger, president and CEO of talent attraction for Vibrant Pittsburgh, a Safe Harbour Inc. for 22 years, said he will nonprofit economic development organiza- retire from the organization established in 2010. It partners with tion this August, Safe companies and community groups to help Harbour officials recruit talent to Pittsburgh to fill jobs. The announced. The nonprofit chamber is currently taking applications to provides housing for the fill Bucek’s position. homeless and potentially homeless. In his time at ParenteBeard adds the helm for Safe Harbour, Hollinger Hollinger led a renovation two advisory firms of its Carlisle facilities and expanded its ParenteBeard Wealth Management has efforts to garner private help by creating a bought two small investment advisory community relations and development posi- firms. The firm, headquartered in East tion, a news release said. Hollinger said in a From the New York Tenors, Lampeter Township, Lancaster County, said statement that he has “reached the time in known to many as the 9/11 it recently bought SFC Asset Management my career where I am ready to step away N.Y.P.D. Singing Policeman. Inc. and Hauck Wealth Management. The from the day-to-day efforts and concen- acquisitions are ParenteBeard Wealth’s first trate on spending time with my wife, my as a standalone company. SFC was based family, my friends and my motorcycle.”

Grain + Verse Bottlehouse ...... 3 . Pennsylvania Liquor Control Board . . . 3. COMPANIES INDEX Gunn Mowery ...... 13 Pennsylvania Restaurant Groups receiving significant mention Holy Hound Taproom ...... 3. and Lodging Association ...... 3 . in this paper and pages on which Hospital and Healthsystem Pizza Boy Brewing Co...... 3. stories begin: Association of Pennsylvania ...... 1 rabbittransit ...... 3. Jeremy Sauvé Consulting Group . . . . .14 . Red Rose Transit Authority ...... 3 . Join the Al’s of Hampden ...... 3 . McNees, Wallace & Nurick LLC ...... 1 ríjuice ...... 1 Arthur J. Gallagher & Co...... 14. Lancaster Farm Fresh Co-Op ...... 1 Rillo’s ...... 3. conversation. Capital Area Transit ...... 3. Newport Beverage ...... 3. Stauffers of Kissel Hill ...... 1 Central Penn Business PennDOT ...... 3. Sheetz ...... 3 . Group on Health ...... 1 Pennsylvania Food The Coup Agency ...... 13 Cork and Fork Osteria ...... 3. Merchants Association ...... 3 . The Garlic Poet ...... 3. F.X. O’Brien Associates LLC ...... 3 . Pennsylvania Department Vrai ...... 3 . www.CPBJ.com Giant Food Stores ...... 3 . of Insurance ...... 13 York Traditions Bank ...... 4

CORRECTIONS/CLARIFICATIONS The Central Penn Business Journal will correct or clarify mistakes made in the publication. If you have a question, please call the editorial department at 717-236-4300. MARCH 31, 2017 717-236-4300 • Central Penn Business Journal • www.CPBJ.com 3

RETAIL from various trade groups representing restaurants and retailers, as well as lawmakers and legal experts, about what tweaks could be coming next or are needed to improve the system. Takeout sales of hard liquor, similar to wine-to-go changes last year in supermarkets and convenience-store chains, has already been proposed. And beer distributors could get permission to sell wine. There is chatter, too, about streamlining the transaction process in supermarkets and convenience stores by allowing beer and wine to be sold at the same registers as food. Also on the table is creation of a new class of liquor license for large retailers and allowing restaurant liquor licenses to move across county lines to help control costs for restaurateurs and meet demand in growing areas. Distributors don’t really have a choice but to take what new piece of business the state gives them, Pluta said. If distributors don’t adapt, growing competition from supermarkets and convenience-store chains, Rich Pluta owns Newport Beverage in Perry County. After the passage of Act 166, he converted a wall of shelving that once held cases of beer which are stockpiling high-priced restau- into a display of six-packs. PHOTO/AMY SPANGLER rant liquor licenses, will hurt them. Pluta, who supports liquor privatiza- tory and sell higher-priced beers that may tion, said that as larger food retailers add have sat longer in the past because of pack- more liquor licenses, it will put greater aging restrictions, Pluta also realizes it will pricing pressure on those with little else to Change on tap probably be a few years before he recoups sell besides beer. That could knock some recent investments made at his store — from traditional beer sellers in Pennsylvania out Traditional beer tors to sell beer in smaller quantities. new shelving to cooler changes — to accom- of business. “It’s a different world,” said Pluta, the modate the new options. Newport Beverage doesn’t yet face beer sellers grapple with owner of Newport Beverage in Perry Coun- And more changes in state law are loom- competition, despite being next to a Giant ty. “It has really drawn in the customers.” ing as lawmakers in favor of a private-sector supermarket. Pluta’s business also is in a new liquor laws The change in state law, ushered in by Act alcohol market continue to chip away with rural area with few bars and grocery stores By Jason Scott 166, dropped the recently enacted 12-pack new reforms proposed in the name of great- that are or are could be selling takeout. [email protected] minimum and granted distributors addi- er consumer convenience. “If I was a package shop in a town like tional flexibility to sell six-packs, four-packs, “We don’t know what the next change is Harrisburg, I would be greatly concerned,” Rich Pluta says he’s having fun discover- singles for mix-a-six and larger bottles of and that’s the scary part in all of this,” Pluta he said. ing and selling more types of craft beer in the more unusual or rare beers. said. wake of a new state law that allows distribu- While he’s excited to expand his inven- Opinions have been pouring in recently please see BEER, page 8

TRANSPORTATION Midstate transit battle heats up

CAT fights back while County alone would save about $2 million Cumberland officials say CAT spends the state capital’s bus system should be run in transportation subsidies over 10 years. about $5 million more annually, or approxi- from outside Dauphin County. rabbittransit quietly grows It’s a message the commissioners have mately 50 percent more, to provide fixed- At the same time, Philbin says CAT has By Roger DuPuis been pushing for more than a year, but with route service than other transit authorities taken a number of steps to address issues [email protected] increasing force. in the region that serve similar populations. raised by the commissioners. That raises new questions about whether Robert Philbin, CAT’s director of pub- Earlier this year, CAT hired David W. Cumberland County’s commissioners — and how — the regionalization of mid- lic information and customer experience, Kilmer, executive director of the South Cen- believe the region’s taxpayers can get a bet- state bus systems might come about. What along with CAT officials, argue that the tral Transit Authority, to produce a $10,000 ter deal for bus service than the $300,000 per has emerged is that there is support in many system efficiently serves thousands of com- study of regionalization options, including year they currently pay Capital Area Transit quarters, not just in Cumberland County. muters daily — many traveling between the consolidation of CAT and rabbittransit. to serve the county. On Tuesday, Cumberland’s commission- Dauphin and Cumberland counties — and Kilmer guided the transit agencies in Berks They believe York County-based rab- ers held a news conference to reinforce their that the system has an $11 million impact and Lancaster counties into a consolida- bittransit, formally known as the Central message, with added emphasis on what on the region’s economy. tion, which was why he was chosen. His Pennsylvania Transportation Authority, they say is “extravagant executive com- Philbin told the Business Journal that study is set for a June completion. can do the job better and more cheaply pensation” for CAT’s senior management, CAT as a whole does not oppose regional- “The CAT board will have an opportunity than Harrisburg-based CAT. And they cite including a severance package for recently- ization, but acknowledged a split between to review several options before agreeing Pennsylvania Department of Transporta- departed general manager William Jones agency staff and members of the board tion research that estimates Cumberland that topped $50,000. about the matter, and particularly whether please see TRANSIT, page 6 4 www.CPBJ.com • Central Penn Business Journal • 717-236-4300 MARCH 31, 2017

FINANCIAL SERVICES ‘Ain’t it a great day to be a community banker?’

a new post at York Traditions Bank, a then Jacobus. The position lacked glamor — she Retiring York 2-year-old institution led by her former co- spent much of her day filing checks — but it Traditions exec worker, Michael Kochenour. helped her save up for a car, and her employ- The rainy night marked a turning point in ers treated her well. is known for a banking career Schaefer had started at the “It was a very tedious and boring job, and age of 16. She is now preparing for another I would look out at the teller line and think, contributions to turning point: retirement. ‘Oh man, if only I could graduate into being Schaefer will step down from her posi- a teller,” she recalled. retail banking tion as York Traditions’ managing director She eventually did, taking a job with The of specialized banking effective July 31. Reading Trust Co. after graduating from By Jennifer Wentz Although she will continue working with a Albright College. She saw the position as [email protected] women’s finance program she helped cre- a temporary gig to support herself as she ate, her 53-year banking career will officially looked for a job in human resources, but It was about 9:30 on a fall night in Read- be over come Aug. 1. the longer she stayed, the more promotions ing, and Carolyn Schaefer was trudging out she received. Before long, she had stumbled to her company car after a function related Efforts win praise into a lifelong banking career. to her job with a large bank. As rain poured She doesn’t hold a C-suite title, nor does By the time Schaefer quit in 2004, the Carolyn Schaefer is retiring after a 53-year down, she juggled an umbrella blowing she run a multibillion dollar corporation, bank had gone through several mergers career in banking. Although she will leave wildly and the equipment she was lugging but her impact on the community has been to become Wachovia. With each change, her role as managing director of special- through the parking lot. such that people who know her can’t help she said, everyone’s job responsibilities in- ized banking at York Traditions Bank, she She had started her work day about 15 but tout her contributions not just to the creased, as did the amount of time she spent plans to remain active in the community. hours earlier. Driving home to York down bank but also to the York community. trekking to meetings in Reading, Philadel- PHOTO/SUBMITTED Route 222, she realized enough was enough. “She’s great at building relationships. phia or occasionally company headquarters “I thought, ‘What am I doing this for? Why She’s an advocate of women. She’s a sup- in Charlotte, N.C. maybe three to five years, starting off part- am I putting myself through this? I have no porter of education. She likes to have fun. “My work-life balance was really, really time, so she could catch her breath after so work-life balance; I’m doing things with my She’s got a great compassion for people,” out of whack,” she said, although she admits many years of pushing herself to the limit. people that I don’t feel good about,’” she said Betty Carson, a member of York Tradi- she did not realize it at the time. “It was like a That lasted about three weeks. The fledg- recalled. “And I made a decision really right tions’ board of directors. “It’s just a pleasure black hole. It just kind of pulls you in.” ling bank was preparing to open its second then that I was going to leave.” to know her. She’s remarkable.” Exhaustion had hit by the time Schae- branch when Schaefer joined, and she soon Schaefer quit that job in December 2004. Schaefer took her first bank job at the age fer moved to York Traditions in 2005. She She took a few months off before accepting of 16 in the small York County borough of figured she would stay with the bank for please see SCHAEFER, page 7 MARCH 31, 2017 717-236-4300 • Central Penn Business Journal • www.CPBJ.com 5

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TRANSIT continued from page 3 on the appropriate course of action that best benefits taxpayers and riders in each jurisdiction in the midstate,” Philbin said. Philbin and CAT also said their board has taken steps to freeze the authority’s pension plan, a legacy of the system’s transition from the private sector to public operation more than 40 years ago, a move that was sched- uled to be voted on at a Thursday meeting this week, Philbin said Tuesday. Amid the back-and-forth, what are the differences between CAT and rabbittransit? Like public transit authorities across the country, CAT in 2015 relied on a mix of local (4.3 percent), state (37.5 percent) and federal (24 percent) funds to make up a shortfall in its $20.2 million budget left by passenger revenues, which accounted for just under 17 percent of total revenue. Other revenue represented a similar amount. Rabbittransit, with a $24.3 million budget in 2016, derived more than 27 percent of its revenue from passenger fares. It brings in 28 percent from state funds, 16.8 percent from federal funds, and just 0.3 percent in mis- A rabbittransit bus rolls through the state capital complex in Harrisburg. PHOTO/AMY SPANGLER cellaneous funds. The balance comes from social service agencies and county funding. riders rated CAT service as good to excellent, 2000 — started to attract notice from other “As we move forward with a regional plan, But each system also has grown in differ- but that more than 85 percent of respon- counties, which were looking for a more we feel it is important to do everything pos- ent directions as they evolved to serve the dents are “concerned about the future of cost-effective way to provide paratransit sible to ensure CAT is operating efficiently changing communities around them. their transit service.” services to the elderly and disabled. and providing the best possible service to our “On one hand, (riders say) service is In 2011, the authority became the residents. In budget hearings with CAT, we CAT’s story good to great; on the other, there is concern paratansit coordinator for Northumberland have repeatedly questioned their operations, CAT was established in 1973 after Harris- about the future of that service,” Philbin County. Cumberland followed in 2015. Co- including their pension system, and made our burg Railways Co. — a private firm originally said. “When you have conflicting messages lumbia, Franklin, Montour, Snyder, Union frustration with management clear,” a state- created to run the city’s trolley system in emanating from different jurisdictions, you and Perry signed on last year. ment from the Dauphin commissioners read. 1913 — petitioned the state for permission naturally end up with a somewhat confused “Issues with CAT notwithstanding, we to abandon much of its bus network as the constituency. At least that appears to be the Coming to Harrisburg? believe that a regional approach to mass company struggled to make a profit. case in Cumberland County.” Does the agency have its eyes on taking transit is the best way to save taxpayer dol- In response, Cumberland County, Dau- over CAT? lars, increase service and expand ridership,” phin County and the City of Harrisburg Riding the rabbit Farr says rabbittransit doesn’t move into they added. formed a public authority to take over bus Rabbittransit, meanwhile, has grown a community unless asked by local officials Would PennDOT force the issue? That’s service, something that was happening from York’s local bus system into a provider — as the commissioners did in each of the not the agency’s intent. across the state and across the U.S. in the of shared-ride services in 10 counties, in- counties it now serves. PennDOT spokesman Rich Kirkpatrick 1960s and ‘70s as the last remaining pri- cluding Cumberland. “I will only come when I’m invited,” Farr said the agency supports consolidation, vate transit systems sank into insolvency Like CAT, it provides both fixed-route said. “It’s the position of my board.” but the impetus for such a move must come amid rising competition from automobile service and paratransit operations. Rab- Cumberland County already has issued from the affected stakeholders. ownership. bittransit provided more than 2 million its own invitations. “While we advocate transit agency con- CAT’s buses carried 2.5 million riders rides in 2015-26, of which more than 1.2 In July 2015, Cumberland appointed rab- solidation as a common-sense approach, in 2015. The system’s weekday ridership is million were made by fixed-route commut- bittransit as its coordinator for shared-ride the decision to do so must be made locally,” about 10,000 passengers per day, Philbin ers in and around York. The remainder were services. At the same time, the commission- Kirkpatrick said. said, with about 60 percent of them traveling paratransit riders. ers said they would look to withdraw from Who would have to make the decision? to or from Cumberland County. Many riders And like CAT, rabbittransit has its roots CAT’s fixed-route services effective July 1 if Cumberland’s commissioners on Tuesday are headed into downtown Harrisburg from in a public authority formed in the early CAT had not made progress on consolidation. said they believe that would be a decision what Philbin calls the “bedroom commuter 1970s, when York’s county commission- What about the East Shore? for the funding partners — meaning them- belt” of West Shore communities close to ers responded to the same challenges that Farr said he was invited to speak with selves and the other entities that pay into the Harrisburg, stretching from New Cumber- prompted the creation of CAT. Harrisburg Mayor Eric Papenfuse about system, “but not for CAT.” land north to Enola. Rabbittransit Executive Director Rich- eight months ago. He said the mayor asked Commissioner Jim Hertlzer and his col- Others are workers from Steelton and ard Farr says the system didn’t set out to questions about service, but that was as far leagues also said any consolidation would Harrisburg who rely on CAT buses to reach become a service provider covering 5,200 as the matter went. be intended to reduce administrative costs, warehouse jobs along Allen Road outside square miles. Rather, in 1996, what was then “I strongly support regionalization and not drivers’ jobs or bus routes. Carlisle. the York County Transportation Authority am in favor of exploring the possibility of They have had discussions with Papen- In addition to its fixed-route buses, CAT’s (YCTA) entered into a contract to manage rabbittransit taking over management of fuse and Dauphin officials, and plan to con- smaller shared-ride, or “paratransit” buses the Adams County Transit Authority at the CAT,” Papenfuse said Tuesday. tinue, the Cumberland commissioners said, carry passengers to and from appointments request of officials there. A formal merger Dauphin County’s commissioners, stressing that their interest is for taxpayers at Geisinger Holy Spirit and nearby medical didn’t occur until 2011, creating the York meanwhile, say they are working with area across the region. offices in East Pennsboro Township. Adams Transportation Authority. counties and PennDOT to develop plans “It affects our friends in Dauphin County A recent survey conducted by CAT found That’s also when the authority — opera- for a regional approach to public transpor- and the City of Harrisburg as well,” Commis- nearly 90 percent of its Cumberland County tions have been branded rabbittransit since tation. sioner Vince DiFilippo said. < MARCH 31, 2017 717-236-4300 • Central Penn Business Journal • www.CPBJ.com 7

The program includes a personality Traditions program and other women’s SCHAEFER profile test that helps women, and the initiatives. Between that and her varied “She’s got the nice balance continued from page 4 bank employees with whom they interact, volunteer work, she does not expect much between understanding the understand and embrace their approach boredom in retirement. culture of the bank but also found herself swept into work again — but to money. It also features a scholarship “When you start plotting those meetings this time, in a way that felt fulfilling. program for young women in York County on your calendar, all of a sudden it’s not as the importance of financial Over the past 12 years, Schaefer has and culminates in an annual luncheon much free time as you might think,” she said. performance.” gained a reputation as a banner carrier for featuring addresses from influential wom- “I probably won’t get up as early, and I prob- not only York Traditions but also commu- en. ably won’t put make-up on every single day. Wanda Filer nity retail banking in general — a side of Schaefer will act as an adviser and con- I probably won’t do my hair and all those the industry often overshadowed by higher- sultant to the bank after her retirement in kinds of things. But I think there’s going to profit commercial banking. order to continue championing the Her be things to keep me busy.” < “She’s got the nice balance between understanding the culture of the bank but also the importance of financial performance,” said Wanda Filer, a member of the bank’s board of directors. Schaefer is perhaps best known among her peers for her relentless enthusiasm for her work — a trait evident from a signa- ture catchphrase she frequently busts out throughout the workday, often accompa- nied by a fist in the air: “Ain’t it a great day to be a community banker!” That attitude has helped create a bank where customers receive a greeting by name when they walk in the door and personal- ized cards on their birthdays and Christmas, said Lynda Randall, co-owner of management consulting firm New Level Advisors. Randall is a York Traditions customer and has known Schaefer since about 2007. Bank president and CEO Eugene Dragan- osky has also known Schaefer for years, having first crossed paths wither her when they both worked at the former Hamilton Bank. “Carolyn Schaefer is among the top leaders I’ve ever had the privilege to know in banking, and beyond,” he said in a news release announcing Schaefer’s retirement. “What stands out to me most is her extraor- dinary level of professionalism. She has influenced my career and my life, and has helped define the relationship sales and service focus for which York Traditions Bank is known.” Schaefer’s leadership — which Randall ® described as warm and authentic in a way The Most Experience in MitraClip– Transcatheter Mitral Valve Repair that makes people want to follow — has also extended to numerous community groups. PinnacleHealth CardioVascular Institute has been conducting cardiac clinical trials since 1997. That includes the Women’s Business Center With these trials, PinnacleHealth has advanced leading-edge technology and made new Organization at York College, which Randall therapies available to our community before they were available elsewhere. helped found. In 2013, PinnacleHealth continued its leadership in advancing “She was the first person in the business cardiovascular medicine with the minimally invasive MitraClip® Remarkable Cardiac Performance— community to offer help,” Randall said. procedure for mitral valve regurgitation. Choose Like Your Life Depends on It. According to the Pennsylvania Health Care Developed bank program MitraClip is a heart valve procedure that does not require Cost Containment Council’s cardiac surgery the chest to be opened or the heart to be stopped. Instead, report, Mubashir Mumtaz, MD, chief of Schaefer now serves on the organiza- it’s completed through a small incision in the leg, reducing cardiothoracic surgery at PinnacleHealth, tion’s board, as well as the boards of the the risk of infection and the length of a hospital stay. Today, performed 555 valve surgeries, more YMCA of York County, Better York, the York PinnacleHealth has performed more MitraClip valve repairs than any other surgeon in Pennsylvania. Collegiate Council and the Turning Point than any other hospital: PinnacleHealth is also the only program in the state with combined “significantly lower Women’s Counseling and Advocacy Center, PinnacleHealth 90 MitraClip procedures* than expected” mortality and readmissions She also actively participates in the York for heart valve surgery. Rotary Club. Holy Spirit 0 MitraClip procedures Women’s issues have always held a spe- Hershey Medical Center < 5 MitraClip procedures cial place for Schaefer, who was rising in Geisinger (Danville) 0 MitraClip procedures the banking ranks at a time when few To view success stories from real patients and find out more other women were. That passion translated about MitraClip valve repair, visit pinnaclehealth.org/myheart. into the creation of York Traditions’ Her Traditions program, which aims to help pinnaclehealth.org/myheart women feel confident about handling their *Does not include clinical trial procedures. finances. 8 www.CPBJ.com • Central Penn Business Journal • 717-236-4300 MARCH 31, 2017 BEER Volume 33, Number 14 continued from page 3 Harrisburg office: 1500 Paxton St., Harrisburg, PA 17104 717-236-4300 • [email protected] Lancaster office: 717-285-9512 (advertising), 717-323-5277 (editorial) York office: 717-236-4300 (advertising) • 717-854-1026 (editorial) Change is in the air Publisher, Scott S. Downs Local changes have already started to NEWS Editor, Joel Berg occur under the new state laws. Managing Editor, Cathy Hirko Al’s of Hampden, a West Shore six-pack Web Editor, Nicole Chynoweth Reporters and mix-a-six establishment, recently Roger DuPuis (Dauphin and Lebanon counties, dropped its takeout beer business and res- manufacturing and transportation) David O’Connor (York and Lancaster counties, nonprofits, education, workforce) taurant liquor license because of Act 166, Lenay Ruhl (Lancaster and Lebanon counties, health care, agriculture) Jason Scott (Dauphin and Cumberland counties, which put it in direct competition with real estate, construction, marketing and hospitality) distributors. Jennifer Wentz (Cumberland and York counties, financial services and taxation) Photographer, Amy Spangler However, the Hampden Township com- Researcher, Alaine Keisling pany has a brewery business, Pizza Boy DESIGN Brewing Co., to fall back on. Pizza Boy, Graphic Designer, John Layton AUDIENCE DEVELOPMENT which produces many of the beers on tap at Vice President, Zander Gambill Al’s, continues to makes its beers available Manager, Sherry Andersen for people to take home, while Al’s is still Specialist, Carlin Luz Ron and Mary Jones pick out bottles to create a six-pack of beer at Newport Beverage. The Coordinator, Raquel Campbell able to serve other Pennsylvania draft beers Perry County couple is happy to see the “Mix-A-Six” option in their area. PHOTO/AMY SPANGLER ADVERTISING on tap as a brewpub. Associate Publisher, ShaunJude McCoach Senior Account Executives, Michele Engle, Lynn Stickler Harrisburg liquor law attorney Fran among other alcohol-related clients. tion. Others pop in to grab mix-a-six packs, Account Executive, Christiana Sternberg, Paul Chin O’Brien of F.X. O’Brien Associates expects In York, the Holy Hound Taproom de- but the cost is higher than at larger retailers Classified Sales, Andrew Miller

Copyright 2017 by BridgeTower Media. All rights reserved. Volume 33, Number 14. Re- other craft producers may follow Pizza Boy’s cided to close its bottleshop, citing Act 166 and distributors. Good service and better production or use, without permission, of editorial or graphic content in any manner, including electronic reproduction, is prohibited. For licensing, reprints, e-prints and plaques, email example and shy away from restaurant and the growth of beer and wine sales in selection are the selling points for places [email protected]. Authorization to photocopy articles for internal corporate or instructional use may be obtained from the Copyright Clearance Center at 978-750-8400. licenses because they may no longer need larger retailers. like Grain + Verse. CENTRAL PENN BUSINESS JOURNAL (ISSN 1058-3599) is published weekly and one extra issue in February by BridgeTower Media, 1500 Paxton St., Harrisburg, PA 17104-2633. Periodicals postage paid at Harrisburg, PA and at additional mailing offices. POSTMASTER: them. Changes made last year under Act 39 Other beer-centric businesses in the However, Wewer knows change is inevi- Send address changes to the Central Penn Business Journal, 1500 Paxton St., Harrisburg, PA 17104-2633. allowed breweries, wineries and distilleries midstate are also looking for ways to adjust. table. Central Penn Business Journal cannot be responsible for the return of unsolicited mate- rial with or without the inclusion of a stamped, self-addressed return envelope. Information to sell more of each other’s products, which Kurt Wewer, executive chef at The Garlic “I mean, it’s going to get us eventually,” he in this publication is gathered from sources considered to be reliable, but the accuracy and completeness of the information cannot be guaranteed. No information expressed herein constitutes a solicitation for the purchase or sale of any securities. boosts the menu and can help attract differ- Poet restaurant and the Grain + Verse Bottle- said. “People aren’t accustomed to going to ent audiences. house in Fairview Township, said the latter’s a distributor to mix-a-six. But they will be- “That’s something the marketplace has beer business has not yet been impacted by come accustomed to it and I’m hedging my to figure out,” said O’Brien, a lobbyist who changes in the law. bet on that lag time to get my place in order.” represents the Pennsylvania Beer Alliance, Most customers are still coming to eat a trade group for wholesale distributors, and to try a beer from the restaurant’s selec- please see CHANGES, page 9

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Becoming large full-service takeout busi- CHANGES nesses that can sell all kinds of alcohol may Be Spontaneous continued from page 8 be the only way distributors can survive long-term, Pluta said. License costs are issue Petri said he doesn’t see any other big Make your own liquor law changes looming and believes Restaurant owners in Cumberland Coun- there is room for everyone to co-exist. “In magic. ty, where liquor licenses are among the most the end, the grocery stores can’t carry the expensive in the commonwealth due to same variety.” Sat & Sun, 11:30am-3pm heavy demand and little turnover, said that He also believes the Pennsylvania Liquor businesses have to offer something special Control Board’s auction format of releasing to stand out. Licenses in Cumberland cost a few dozen expired restaurant licenses, around $500,000. spread across many counties each time, But a liquor license is still necessary, gives the market more time to adjust to new especially for the bottom line. businesses selling alcohol. Most of those “It’s very difficult for a restaurant to make licenses are being bought by big compa- a go of it on the food. The margins are in- nies such as Giant Food Stores and Sheetz, credibly low,” said Mike Page, who opened among other chains. Vrai in Lemoyne with his wife, Shelly, a little “I think we’re moving in the direction of a more than a year ago. “Often times liquor is consumer-driven free-market system,” said 25 to 40 percent of your business in some Alex Baloga, vice president of external rela- restaurants.” tions for the Pennsylvania Food Merchants Vrai, which was the first restaurant to Association, a trade group for national and serve booze in Lemoyne, a previously dry regional chain stores, as well as indepen- borough, also has a cutting-edge menu. The dent retailers. Pages have focused on unprocessed and The association believes more could be organic food using locally sourced ingredi- done to address the lack of licenses in some ents. They serve free-range, grass-fed and counties, including Cumberland, to help hormone-free animal products and work contain the costs for small-business owners with local farms to source many of their who want access. A new class of license for eggs, meats and dairy products. food retailers might be the best approach. Mike Page said that while Vrai has a Even then there would still probably be strong following, it probably couldn’t sur- a shortage of licenses, he said, but the new vive without a liquor license. class could help eateries. And it may also From the standpoint of consumers and help cut license costs. budding restaurateurs, it would be nice if Melissa Bova, vice president of govern- license prices were lower, or at least more ment affairs for the Pennsylvania Restau- stable, to allow more eateries to open up rant and Lodging Association, said lower- with a liquor option, Page said. But as a ing the cost of takeout wine permits and business owner with a license, rising prices allowing spirits to-go could help smaller make it a good asset to hold if the market restaurants compete. The association also changes. is advocating for removal of the 192-ounce Restaurateur Nick Laus, who recently takeout limit, the equivalent of two six- opened Cork and Fork Osteria in Hampden packs, as well as adding a separate class of Township, doesn’t see prices coming down. license for grocery stores. “If anything, I think it’s going to make Overall, though, it would like to see it more difficult for restaurants down the gradual moves instead of immediate, large- road,” he said, noting the growing number scale changes. of licenses going to large chains with deep “We’d prefer a slow process that allows us pockets. to catch mistakes,” she said. “It’s a compli- Laus got lucky and was able to buy a cated licensing system where you tweak one license from Rillo’s in Carlisle for use at the thing and it affects someone else.” bar Cork and Fork. But the only constant is change, O’Brien aw “Because of all the grocery stores driving added. “I think efforts will be made to im- r the cost, that is an asset to us,” Page said. prove or take some of the rough edges off “But the state could come in and totally some things.” Bigger changes, such as sell- reverse that, and that asset could become ing off the state’s wholesale business that a liability.” controls the retail distribution of wine and Pluta sees his distributor license as a li- spirits across the commonwealth, could de- ability. His license is not growing in value pend on the willingness of pro-privatization and may actually be losing value, he said, lawmakers, including House Speaker Mike because people aren’t looking to get into the Turzai (R-Allegheny). distributor business. Some Republicans seem happy to take small steps to try to boost state revenue and Full-service appeal consumer convenience, while maintaining Rep. Scott Petri (R-Bucks), prime sponsor an asset in the PLCB that could be hard to of the bill that became Act 166, disagrees about replace following a one-time payout from the declining value of distributor licenses and its sale. said changes under Act 166 are helping dis- “Sometimes it’s good to make changes Chef’s Tasting Menu • A La Carte • Live Music tributors make more money, which should and sit back and watch how everything boost their licenses’ appeal if current owners works,” Petri said. “The industry is so inter- One North Second St. Adlibrestaurants.com 717.237.6419 want to get out of the business. connected.” < 10 www.CPBJ.com OPINION Central Penn Business Journal MARCH 31, 2017

OUR VIEW On health care, reformers should keep trying It’s not the outcome we were promised surance today than before the law took ef- ald Trump and the Republican-led Con- improve it – or that Democrats decline to during the election, but it appears that fect. Some undoubtedly did so to avoid the gress can deliver on their other promises, cooperate if he picks the latter path. Obamacare is here to stay – at least “for the tax penalty, or they got coverage because including tax reform and regulatory relief. Another risk is that health care falls off foreseeable future,” in the words of U.S. their employers were forced to offer it. Businesses would welcome pro-growth the legislative agenda. Of course, ever-ris- House Speaker Paul Ryan. Many, however, seem policies, but Trump ing prices and insurance premiums likely While we have often argued it would be happy to have cover- If anything is clear and lawmakers could mean health care debates are here to stay. better to reform than repeal Obamacare, age and would be re- after last week, it split again over details. In that respect, we are heartened to see aka the Affordable Care Act, we welcomed luctant to give it up. Emboldened Demo- a local lawmaker, state Sen. Scott Martin, the policy debate prompted by the Ameri- Congress’ failure to is that health care crats, meanwhile, continue to work toward solutions. As de- can Health Care Act. pass an ACA replace- desperately needs might see fit to stymie tailed in a front-page story in this week’s Businesses, health insurers and health ment poses a test for more problem-solvers. Trump’s agenda in the issue, the Lancaster County Republican care providers haven’t always liked the our national leader- Senate, where Repub- is exploring use of a contractor to bring ACA – nor have we. But they have been ship, and creates sev- licans lack the votes to down state spending on Medicaid. learning to live with it, investing millions eral risks going forward for the health care overcome a filibuster. If anything is clear after last week, it is of dollars along the way. industry and for businesses. For the ACA, the chief risk is that Trump that health care desperately needs more And, in the end, more people have in- The chief test is whether President Don- undermines the law rather than works to problem-solvers.

THE WHITEBOARD The four levels of brand loyalty, including one to avoid

Imagine you have created a in the minds of their prospects, get traction for your business. A buyer and, often, an ambassador. them, and the brand will struggle range of new products with a and, at Level One, the negative second sale costs less to generate The lifetime value of customers to survive (See: Chi-Chi’s). And, totally new brand name. It’s time perceptions and a third can be even cheaper. like these can be mind-blowing keep in mind, the problem may to begin building that brand. As are usually still Having created a repeat cus- and, in fact, are a substantial part not be with the product or service with video gaming, there are sev- winning. Chief tomer, word-of-mouth begins to of your brand’s market value or itself. People get mad at brands eral levels of brand success, and among them is grow and to attract other custom- equity. Many of these customers for lots of reasons, including per- there’s one level that will drag the question, ers to the brand. At this point, reach the ultimate in brand af- ceived political support or posi- you down. “Can I trust this the positive perceptions of your finity, which I call sub-conscious tions on social issues. This type All brands start at the same brand?” Brand brand have started to outweigh loyalty, meaning the customer of anti-loyalty can be difficult or place — completely unknown. David Awareness is the negatives. You are well on does not even consciously think impossible to overcome. Marketing and brand develop- Taylor critical to begin- your way to the highest level. about choosing your brand. They Of course, an established ment at that point is focused on ning the journey Level Three: Brand Loyalty. just get more. (Honestly, when brand is likely to have prospects Level One: Brand Awareness. and generating This is as close to brand nirvana as was the last time you thought and customers that inhabit all Before customers can make a trial of your product or service. a brand can get. Your customers about buying a different brand of four levels of brand loyalty. But choice that includes your prod- But it isn’t enough. generally see only the positives toothpaste?) the best brands keep them mov- uct, they have to know it exists, Level Two: Brand Preference. of your brand. Price is a minimal There is one more level to keep ing toward nirvana and away and they will want to know a least Virtually every brand depends factor, even if it’s at a premium in mind, Level X: Brand Purga- from purgatory. a little about the brand. Where is on repeat business, particularly level. Your customers value your tory. Woe be to the brand that • it from? What does it stand for? when the cost of customer acqui- brand. They look forward to new regularly puts itself on their cus- David Taylor is president of Lancaster- Why is it better than what I buy sition is more than the profit gen- products, and may even line up to tomers’ black list. Cross enough based Taylor Brand Group, which now? What is interesting about erated by a first sale. Establishing buy them. A customer who thinks loyal customers, and a brand can specializes in brand development and it? Every brand will initially have your brand as a preferred choice of your products as “my brand” end up in purgatory (See: Chi- marketing technology. Contact him positive and negative perceptions is where you can really begin to is usually your most profitable potle). Betray or anger more of via www.taylorbrandgroup.com.

QUOTABLE What’s your opinion? “We don’t know what “In terms of really “What is more of a Only the unsigned editorial on this the next change is and addressing the cost and precious com- opinion page represents the views that’s the scary part in quality of health care, modity than of the editorial board. We encour- all of this.” which is really what gold and silver? age readers to write letters. Please employers are concerned Food is that.” keep them to fewer than 350 words. – Rich Pluta, owner of Newport about, I don’t see that. I Include your name, telephone num- Beverage in Perry County think that it is frustrating – Cullen Farrell, co- ber and address. We reserve the that those bigger issues founder of ríjuice right to edit letters. The Journal also don’t seem to be getting in Lancaster accepts longer opinion pieces of up any traction.” County to 700 words and expert columns. Email letters, columns and op-ed submissions to [email protected]. – Diane Hess, executive director of Please include a color, digital head- the Central Penn Business Group shot. We accept images saved at on Health in Lancaster 300 dpi as JPEG or TIFF files. MARCH 31, 2017 717-236-4300 • Central Penn Business Journal • www.CPBJ.com 11

Fruit Farm in Leacock Township and Hess JUICE Brothers Fruit Co. in Warwick Township. continued from page 1 Conversations between ríjuice and Stauffers began in 2015, with Stauffers pro- Now, instead of trading silver and gold, duce buyer Dave Julian making the first call. the 27-year-old Farrell is busy making deals The two companies took time to learn with local grocery chains, opening juice about one another and, after some discus- stands at midstate farmers markets and sion, decided they were a good fit, Julian expanding his company’s brand. said, noting that ríjuice is the only cold- The juice is cold-pressed, which means pressed juice available at Stauffers. it is extracted entirely from fruits and veg- At Stauffers ríjuice appears on shelves etables but has a shorter shelf life than pro- in the produce department, with flavors cessed juice. The ingredients used in ríjuice selected by the team at the juice maker. include apples, spinach, kale and ginger. A 10-ounce bottle of organic cold-pressed “What is more of a precious commodity sells for $5.95, while the conventional, or than gold and silver? Food is that,” Farrell said. non-organiccold-pressed, juice sells for Rafaed Pozzi of ríjuice fills bottles to share with employees, bartenders and others who want $3.99. The 32-ounce container sell for $7.79. Finding partners to experiment with the Lancaster juice company’s flavors. PHOTO/AMY SPANGLER Five flavors of ríjuice’s organic product are Farrell rounded up his former college available at Stauffers’ Warwick Township and friend, Kyle Ober,, and the pair, along with It initially made juice in the basement of a cheaper produce, which led Farrell and East Hempfield Township stores. Stauffers is Ross Martin-Wells, and two silent partners, downtown restaurant and event venue, Tel- his colleagues to debate the merits of local also selling the non-organic juices in nine Kevin Gibbons and Keith Ober, own ríjuice lus360. It now subleases space at Lancaster versus organic sources. flavors, Julian said. (pronounced RE-juice). Farm Fresh Co-Op’s new facility on Running On one hand, the healthiest food is cer- Stauffers plans to offer non-organic juices Farrell, Kyle Ober and Martin-Wells split Pump Road. Lancaster Farm Fresh is a non- tified organic by the U.S. Department of at its Oregon Pike store in Manheim Town- leadership responsibilities. They tapped Chef profit organic farmer’s cooperative and it is Agriculture. However, if the organic product ship by the end of April. Rafaed Pozzi to help them concoct juice fla- also a ríjuice distributor. comes from other countries, how do you Since signing its deal with Stauffers, ríjuice vors. Pozzi and Martin-Wells were both ríjuice Most recently ríjuice signed a deal with know it meets the same standards? is making an additional 200 to 300 bottles customers asked to join the business because Warwick Township-based Stauffers of Kissel In buying local produce that is not neces- a week, a production increase of about 15 of their skill sets. Martin-Wells is a laser physi- Hill, which started carrying ríjuice products sarily certified organic, ríjuice can visit the percent to 20 percent. The company has six cist and Pozzi had previous juicing experience. in February. The partnership also involved farmers and know what it is getting. employees, Farrell said. Founded in 2014, the East Hempfield adding 32-ounce bottles to ríjuice’s original This year ríjuice has made about 250 Township-based company has grown from 10-ounce bottles. Locals won blends of juice flavors, but not all are on sale. a retail operation to a wholesaler with rev- In order to make the larger bottles work, Ultimately, the company decided to buy The company is experimenting with different enue rising from about $70,000 the first year however, ríjuice had to find a way to make apples that are not certified organic. But flavors at Stauffers. Its goal is to diversify its to nearly $400,000 in 2016. them affordable. In short, it had to find they’re grown in Lancaster – at Kauffman’s flavors at other locations, as well.<

plore every avenue to improve patient out- Medicaid expansion and about 400,000 I don’t see that,” Hess said. “I think that it ACA comes and save tax dollars, and other states through the marketplace. They say that is frustrating that those bigger issues don’t continued from page 1 have already begun using new technol- a roll-back of Medicaid expansion could seem to be getting any traction.” ogy and creative approaches to accomplish reduce the state’s total economic activity Employers also would like to see more essary or wasteful, said Mary Hiller, execu- both goals,” Martin said. “It is extremely by about $4.5 billion, and add at least $300 transparency in health care, as it can be dif- tive director of knowledge and engineering encouraging to hear the amount of savings million to the state’s structural deficit. ficult to find out what something is going to at MedExpert. that could be generated if we follow a similar A cut to Medicaid funding also could cost. Also, they’re currently seeing huge cost Using technology, MedExpert is able to strategy in Pennsylvania.” lower the number of Pennsylvanians with increases in pharmaceuticals, and reform identify errors more quickly and correct health insurance, state officials have repeat- efforts have yet to address that. them, or even predict them ahead of time, Federal reform on pause edly warned. “One thing Obamacare was really suc- ultimately saving money, Hiller said. Finding ways to save money on Medicaid It also could shift some costs back to the cessful at was getting coverage to more “Our return on investment in Alaska in in Pennsylvania remains a priority despite private sector. Americans,” said Eric N. Athey, labor and year one was roughly 50-to-1,” Hiller said. failure of the American Health Care Act, “The challenge is, at the end of the day, employment attorney in the Lancaster of- “The difference is technology.” which did not win enough support among uncompensated care is largely covered by fice of Harrisburg-based McNees, Wallace & Martin’s idea is to create a Pennsylvania Republicans in the U.S. House. patients who are paying – so employer- Nurick LLC. “Employers – their main objec- program similar to Alaska’s. MedExpert The bill faced scrutiny from many direc- sponsored care,” said Diane Hess, executive tive – they’d like to see the coverage become claims its approach could help Pennsylva- tions, with analysts estimating that at least director of the Central Penn Business Group more affordable. I’m not sure that either nia cut medical costs by 8 to 15 percent. 24 million people would have lost access on Health in Lancaster. Obamacare or the GOP proposal do a whole MedExpert shared data on its record in to coverage within the first 10 years of its lot to make the coverage more affordable.” Alaska at a hearing March 21 of the Senate passage. A health care wish list Providers, too, weren’t impressed with Majority Policy Committee. Although the bill itself failed to move, Changes to Medicaid are one potential the early direction of health care reform in Alaska’s Medicaid department, for ex- its provisions hinted that Republicans are piece to the puzzle of health care reform. the Trump administration, and are breath- ample, saw a 25 percent drop in emergency looking to reduce federal spending on Med- The American Health Care Act offered a ing a sigh of relief that there is more time to room use and a 14 percent decline in overall icaid. mix of good and bad, according to midstate find answers to the bigger issues surrouning expenditures in its first year of working with The ACA directed additional federal business leaders, who have their own wish cost and quality. MedExpert. money to help states expand coverage of list for change. “The decision by the U.S. House not to A partnership with MedExpert has the Medicaid. The expansion saved Pennsylva- They like the idea of killing the employer proceed with the complex proposal gives “ability to save the feds money as well,” nia’s health care system about $280 million mandate, which requires companies with us hope that lawmakers will step back and Martin said. in uncompensated care costs for low-in- 50 or more full-time employees to provide take a more thoughtful and balanced look He added that lawmakers can’t keep come adults, according to a report released benefits. But they’d like to see more effort at modifications to the ACA,” said Andy measuring a program’s success by how main December by the U.S. Department of from the federal government to reduce Carter, president and CEO of The Hospital ny people are insured. They should also ask Health and Human Services. health care costs. and Healthsystem Association of Pennsyl- themselves how many people are healthy State leaders predict that the ACA al- “In terms of really addressing the cost vania. “We have never disputed the need for and leave the Medicaid program. lowed about 1 million people to gain access and quality of health care, which is re- improvements to the ACA, but the rush to “It makes good sense for lawmakers to ex- to health insurance – about 700,000 through ally what employers are concerned about, pass the AHCA was shortsighted.” < 12 www.CPBJ.com • Central Penn Business Journal • 717-236-4300 MARCH 31, 2017

To all the winners and finalists for their valuable contributions to our community!

Congratulations!Brand Identity/Unique Marketing Programs: Campaign: WINNER: Leg Up Farm WINNER: York County History Center RUNNER UP: Please Live, Inc. RUNNER UP: Family First Health Go to Children Deserve A Chance Bible2School Feel Your Boobies Foundation www.cpbj.com/events Bridge of Hope Harrisburg Area Friendship Community for more information about the Nonprofit Girls on the Run Capital Area Hamilton Health Center Innovation Awards or to be notified of the Y.O.U.T.H. Program, Inc. Planned Parenthood Keystone Rainbow’s End Youth Services 2018 award nominations. Collaboration: #CPBJNPIA Suits to Careers, Inc. WINNER: Lancaster County Coalition to End Homelessness Nonprofit Leadership Excellence: RUNNER UP: Perry County Literacy Council WINNER: Joe Arthur, Executive Director, Central Communities In Schools of Pennsylvania Pennsylvania Food Bank Cross Keys Village - The Brethren Home Ann Davis, Executive Director, DreamWrights Community Center for Community Arts Downtown Inc James DeBord, President, Schreiber Pediatric PinnacleHealth Foundation Rehab Center of Lancaster County Susquehanna Heritage Jessica Laspino, Executive Director, CASA of York County Literacy Council Lancaster County Jason Meckes, Executive Director, The Harrisburg Management Operations: WINNER: Diakon Child, Family & Community Area Riverboat Society Ministries Barbara Titanish, President & Co-Founder, RUNNER UP: Community Action Partnership of H.O.P.E. Lancaster County Mary Anne Winkelman, President, Cultural Alliance of York County Milton Hershey School South Central PA Sickle Cell Council 2017

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MARCH 31, 2017 • www.CPBJ.com Next week: Business & Government

RISING TIDE By Jennifer Wentz High costs, [email protected] changing A man living near a tiny creek in Derry Township found him- guidelines open self up to his knees in water after Tropical Storm Lee in 2011. The storm marked one of the only times he had seen any un- door for private wanted water in his home since moving in 12 years before, and flood insurers the damage was limited mostly to his basement. He received a please see FLOOD, page 15

This Lancaster County home was inundated by floodwater during Tropical Storm Lee in 2011. PHOTO/AMY SPANGLER 14 www.CPBJ.com • Central Penn Business Journal • 717-236-4300 MARCH 31, 2017 From partnership to merger

we have all those internal resources to bring Local firm joins to the table.” The genesis of the pairing came from ex- benefits behemoth actly that – a potential account with needs beyond what the Sauvé group was then offer- By Susan Lindt Contributing writer ing. Sauvé decided not to pursue the account until a Gallagher contact suggested the two When the third-largest insurance broker in firms team up to win the business. the U.S. staked out a local presence last year, “That was a perfect example of an account competitors surely took notice. we were going to punt because of limited re- The May merger between Jeremy Sauvé sources,” Sauvé said. “They have almost 800 Consulting Group and Arthur J. Gallagher & employees at that account and it was a two to Co. brought to Central Pennsylvania an inter- three-week turnaround because we were able national insurance brokerage and risk man- to capitalize on resources we needed. It was agement services firm with 22,000 employees incredible.” in offices in 31 countries serving clients in 140 “That was early on and it really opened our countries. eyes to the potential power of having a team By the time of the merger, Mechanicsburg- behind you,” Sauvé continued. “But it can get based Sauvé Consulting had grown to seven confusing (for clients) when you’re at the table professionals serving clients from Lancaster and you’re exchanging business cards. For the to Altoona, primarily among companies with next few months we started to think, ‘OK, is less than 1,000 employees. this partnership the right way to go? Should we “We had the technical capability and acu- jump in with both feet and merge?’” men to service mid- to large-sized clients, but Although they had the option to retain the it shifts a little when you venture into com- Sauvé name for three years, Sauvé and Wevo- panies of 500-plus employees,” said manag- dau decided to immediately capitalize on the The management team at ing partner Steve Wevodau, who cofounded powerhouse name and adopted “Arthur J. the Mechanicsburg office of Sauvé in 2011 with managing partner Jeremy Gallagher & Co.” when their merger was an- Arthur J. Gallagher & Co., from left, is Jeff Rojohn, Jeremy Sauvé. “Their needs will be different in terms nounced in July. Sauvé and Steve Wevodau. of actuarial services, for example. We had PHOTO/AMY SPANGLER used third-party firms, but with Gallagher, please see MERGER, page 16

NOMINATION DEADLINE: MAY 25, 2017 Visit www.cpbj.com/events to view the #CPBJEXEC nomination form and submit your nomination. CALL FOR NOMINATIONS

The 2017 Executive Management Awards will celebrate Central Pennsylvania’s executives who contribute to the success of our region’s economic growth AWARD CATEGORIES: and stability. All finalists and award recipients will be recognized at an awards Chief Financial Officer ceremony on September 13, 2017. In addition, they will be featured in a special Chief Operating Officer supplement to the September 22 issue of the Central Penn Business Journal. Chief Legal Officer (General Counsel) What does it take to be a top executive? We’re looking for innovators, trailblazers, Chief Marketing Officer role models and standard-setters. Leaders who contribute to the success of our Chief Human Resources/People Officer region’s economy and who are involved in our community. Chief Information or Technology Officer The complete nomination instructions and eligibility requirements are detailed online at www.CPBJ.com/events. A distinguished panel of judges from the Central SPECIAL AWARD CATEGORY: Pennsylvania region will review the nomination forms and choose finalists and Executive Management Team Award winners in each category.

Questions? Contact Emily Winslow A PROGRAM OF: SUPPORTING SPONSOR: at [email protected] or 717-323-5268 MARCH 31, 2017 717-236-4300 • Central Penn Business Journal • www.CPBJ.com 15

means for the future of the flood Meet the new players in the flood mortgage holders can stomach. FLOOD insurance market. insurance game: surplus lines car- By the numbers Miller wants to make sure peo- continued from page 13 riers and a few Pennsylvania-li- ple at least know their choices, New players censed insurance companies. 1,518 especially as a growing number of If the Derry Township home- “They are much, much more Private-market residential property owners are either needing letter from his mortgage holder less owner had received a letter from competitive in the flood market flood policies in Pennsylvania in or wanting coverage. than a year later saying he needed his mortgage holder just a few years than the FEMA policy would be,” early 2016 The government redrew its flood flood insurance. earlier, he would have been stuck said Catherine Kramm, a business zones in recent years as part of A policy from the federal govern- with that $2,700 bill. and personal insurance advisor for 3,392 its bid to dig the federal program ment would have left a $2,700-per- The Federal Emergency Man- The Coup Agency in Northumber- Private-market residential out of debt, requiring more prop- year hole in his bank account. He agement Administration’s Nation- land County. The agency sells poli- flood policies in Pennsylvania in erty owners to buy flood insur- found a policy on the private mar- al Flood Insurance Program has cies through Lloyd’s of London, one early 2017 ance if they had federally backed ket for just $718 — an option he held almost all personal and com- of the largest surplus lines carriers mortgages. That remapping added would not have had a few years ago. mercial flood insurance policies breaking into the flood market, as 61,724 properties like the home in Derry Pennsylvania Insurance Com- in the U.S. since 1968. At the time, well as the federal government. In-force residential and com- Township that had received little, missioner Teresa Miller shared property owners along the Missis- Private-market policies are of- mercial National Flood Insurance if any, flooding in the past. homeowner Michael Megoulas’ sippi River were recovering from ten similar to federal policies in Program policies in Pennsylvania Few of those new people who story last year at the unveiling of catastrophic floods in the early terms of the amount of coverage as of Jan. 31 needed insurance, however, knew the insurance department’s new 1960s, and the federal government offered and may even offer certain how to access private options, es- flood insurance website, which stepped in to protect them against advantages, but they don’t work 5 pecially surplus lines carriers that lists agents and companies who a risk that many private companies for every property owner, commis- The national percentage of historically haven’t dealt directly can discuss alternatives to govern- viewed as uninsurable. sioner Miller said. federal flood policies written for with consumers, Miller said. And ment-backed policies. The federal program soon be- For one, many companies still businesses (as opposed to resi- a large number of people living Private policies are continuing came the only significant provider hesitate to take on policies in high- dential customers) outside of flood zones didn’t realize to gain ground in Pennsylvania as of flood insurance. Private insurers risk flood areas, meaning the peo- they, too, could buy flood insur- the rising cost of federal insurance continued to shy away from flood ple most in need of insurance often business in Pennsylvania. They are ance for a relatively low cost on the policies makes room for the pri- policies, unable to offer premiums still have to go through the federal consequently subject to different private market. vate sector to compete. The change as low as the government’s. program. regulations and do not, for exam- Those savings often amount to a has meant lower flood insurance That changed after hurricanes Ka- Property owners also have to ple, need to pay into a fund that few hundred dollars per year, but premiums for a small but grow- trina, Rita and Sandy drove the pro- weigh the risks if they opt to buy would protect policyholders if the are sometimes in the thousands, ing number of home and business gram $24 billion in debt. The federal a policy through a surplus lines company became insolvent. Miller said. owners, but also a tinge of uncer- government hiked up premiums to carrier. Such carriers are licensed That possibility does not worry The insurance department tainty as legislators and insurance match the risks, giving private com- in their home states and sold by Miller, who trusts the reputation stepped in by creating a one-stop agents wrangle with the question panies room for the first time to edge Pennsylvania-licensed agents, but of well-established companies like of what this unprecedented shift their way into the market. are not specifically licensed to do Lloyd’s, but it’s more risk than some please see FUTURE, page 16

From the Legal Corner Join the conversation. Should I have my own attorney for Q: residential real estate transactions?

Buying or selling a home will probably be the www.CPBJ.com largest financial transaction you will make in A: your life. Having an attorney who will protect your interests can help you avoid problems with a home purchase or sale.

Even the most straightforward real estate transaction involves a large number of documents, all of which should be thoroughly reviewed by an attorney before you sign, to ensure that the final documents accurately reflect what you've agreed to. Your attorney will also verify that the property title is clear.

It’s not uncommon for issues to arise during the final walk-through of the property or closing. Having an experienced real estate attorney will help to protect your interests and resolve any problems.

If you’d like to learn more about residential real estate transactions, join us on SIG P TODAY Thursday, April 13th at 7:00pm at the Fredricksen Library in Camp Hill. More ree ria ubscription information at http://www.mette.com/legal-seminars-series. Aaron T. Domoto, Esq.

INSIDE BUSINESS ñʁɁǞǚƬʊɁǌ˹ɁȧƬȭǔȭ ŽˁʊǔȭƬʊʊŘȭƞǚƬŘƞƬʁʊǒǔɡ ESIE NE NSTRTIN TIIT INDE A measure Pages , of industry Mette, Evans & Woodside conditions, www.CPBJ.com expectations February 17, 2017 • Vol. 33 • No. • $2 in Central Pa. PAGE 15 INSIDE BUSINESS March 3, 2017 • Vol. 33 • No. 10 • $2 ,ɁȭʊǜʁˁƋǜǔɁȭ hƬŽʁˁŘʁ˿ʹǮƙʹ̋ɍʕƊĴɁǚƖʯʯƊÂɁƖȳƊƨʹ ˹˹˹Ɩ,ñ*ƖƋɁȧ ɡʁɁǖƬƋǜʊʊƬǜǜɁ hʁƬƬǔȭǷˁɡ Řƞ˸ŘȭƋƬǔȭʊɡʁǔȭǷ Page 3401 North Front Street attract RIGHT TO KNOW ǌŘƋƬǜǔȧƬ www.CPBJ.com Pinnacle docs hope to make mark in growing medical-scribe industry Harrisburg, PA 17110 By Jennifer Wentz [email protected]

Tension builds in Lancaster County A doctor walks into the room of an ailing patient and sits Reporters and government watchdogs arent alone down next to his bed. [email protected] in wielding states expanded open-records laws as Atlantic Sunrise wins approval She listens to the patient’s concerns, nodding, maintain ing eye contact and performing hands-on examinations as By Jennifer Wentz - By Lenay Ruhl needed. Imagine you ran a pool supply company. Wouldn’t you like to know [email protected] Within a few minutes, the patient has a clear idea of the (717) 232-5000 next steps in his treatment, and the doctor can move on to - the address of every person in your neighborhood who might want An underground highway for natural gas is being routed through the next patient. Both are happy with the experience. foam noodles and chlorine? Or maybe you run a snow removal company. How much of a com- Lancaster County, and tensions are building as a future of bulldozers It’s a pretty picture, but, some medical professionals fear, an increasingly uncommon one as doctors spend less time petitive edge would you gain if you knew how much the competition and steel looms. facing patients and more time facing computers. was charging your township? 8 Oklahoma-based Williams Partners LP plans to install a 186-mile Filling out a one-page form can give anyone in Pennsylvania, page ac natural gas pipeline, known as the Atlantic Sunrise pipeline, that will cess to that kind of information, as well as a myriad RECORDS of other public cross Lancaster and Lebanon counties. e $2.58 billion project will records. And business owners, promptedplease by see the state’s recently carry natural gas from the state’s Marcellus Shale elds to the existing please see FACETIME strengthened open-records laws, are increasingly realizing how Transco Pipeline, which shuttles gas between the Gulf Coast and the , page much this information can help them. Eastern seaboard. Thousands of gas pipes are 13 stored on the site of the former Above ground, however, is where the action is. GA RI [email protected] Alcoa plant in Lebanon. ɡǚƬŘʊƬʊƬƬ PIPELINES, page 10 PH/AM PANGR ÂƬ˹ǚŘ˹ǞʁȧȧŘǘƬʊƋŘʊƬǌɁʁǔȭƞˁʊǜʁ˿ƞǔʊʁˁɡǜǔɁȭ

PHOTO/THINSTOC RANPRAIN ăǒǔǢǔȭǷƬƋɁȭɁȧǔƋʊƙ PHOTO/THINSTOC ƋˁǚǜˁʁŘǚʁƬŘǚǔǜǔƬʊ By Jennifer Wentz RA A - and rezoning a tract to meet today’s de- T ƋǒŘǚǚƬȭǷƬǜʁŘƞǔǜǔɁȭŘǚ [email protected] mands for mixed-use development. A county’s economic development of - Enter the Real Estate Collaborative LLC, For law rms, the old ways might no lon among lawyers, exible billing options for cials know those sites well, but making a the 552-mile system has become an annual at’s not just inconvenient for personal ǜƬȭƬǜʊɁǌɡʁɁǌƬʊʊǔɁȭ By oger DuPuis ger be the best ways. clients and adaptable schedules for the By Jason Scott an aliate set up last year by the Cumber list of top priorities doesn’t magically get ñƬȭȭʊ˿ǚ˸ŘȭǔŘǜɁǚǚʊ [email protected] ritual, so the hikes — usually in the 3 percent to travel. It also pushes up the cost of doing busi- [email protected] land Area Economic Development Corp. to at was a factor cited by nine attorneys people who work in their small, Silicon projects started. Sometimes counties need 6 percent range — are no secret. But what many ness for trucking companies and others who - break down barriers and create less risky ʊˁŽʊǜŘȭǜǔŘǚǚ˿ǒǔǷǒƬʁ who broke o from one of the midstate’s - Valley-esque oce. rms need to do to attract and retain the ,ÄF<,ŘǓǚǔŘǜƬ to take control of old industrial sites or un- It’s not just in your head. travelers may not realize is that the regular in- rely on the turnpike to deliver raw materials Even fast-growing areas such as Cumber , page 11 most prominent rms this month to start e rm’s founders see Pillar+Aught as best talent. More attorneys are looking for used public buildings and prepare them for please see BLIGHT If tolls on the Pennsylvania Turnpike seem creases mean the Pennsylvania Turnpike’s toll and goods across the state. land County have a fair share of vacant and ǜǒŘȭǜǒɁʊƬǔȭ their own business. eir endeavor, dubbed a needed disruption in the legal profession opportunities that oer work-life balance, ǒƬǚɡǔȭǷǜɁŘƋƋƬǚƬʁŘǜƬ - new investment. high, that’s because they are. rates are now noticeably higher than its peers blighted properties that fail to attract private Pillar+Aught, emphasizes collaboration — and they may be right. Clients are savvier more chances to collaborate and more free at prep work might entail demolition ȭƬŘʁŽ˿ʊǜŘǜƬʊ Media coverage of yearly toll increases on in neighboring and nearby states. ɡǚƬŘʊƬʊƬƬ TOLLS, page 7 about their options today, not to mention dom to adapt to clients’ needs. ʁƬƞƬ˸ƬǚɁɡȧƬȭǜƬǏɁʁǜʊ developers, who may be turned o by po . tentially high costs for cleaning up the sites. more protective of their bottom lines. e e attorneys at Pillar+Aught felt they amazing landscape has also changed in terms of what could best meet those demands by building - FEATURES INDE a rm from the ground up. But they’re not MEETINGS AND EVENTS AT LANCASTER DOUBLETREE ARE SIMPLY Awards ...... 24 FEATURES Business Record ...... 23 BLACK Business Record INDE please see Calendar ...... 21 Calendar ...... DISRUPTION Inside Business ...... 17 ...... Inside Business 21 , page Lists & Leads ...... 21 HISTORY Lists & Leads ...... 19 10 Newsmakers ...... 22 Newsmakers ...... 15 ÏǏďǒƬ,ǚɁƋǘ ...... 31 ÏǏďǒƬ,ǚɁƋǘ ...... 19 REVIVED Opinion ...... 14 MONTH . ÏȭďǒƬÀɁ˸Ƭ ...... 20 łɁʁǘʁƬʊǜŘˁʁŘȭǜ 2400 Willow Street Pike Lancaster PA 717.464.2711 DoubleTreeLancaster.Com ďʁƬȭƞǔȭǷ ...... 30 SPECIAL SECTION PAGE 12 31 This general information is not intended to provide individual advice. Schedule an appointment with this professional to discuss your Opinion ...... ďʁƬȭƞǔȭǷ .20 Ɂ˹ȭƬʁʊǜɁˁǜǔǚǔ˘Ƭ ...... 12 ĴŘǚƬȭƋǔŘ*ŘǚǚʁɁɁȧ . 29 Page particular situation and needs. Questions sent to these professionals may be answered in future issues. PAID CONTENT 16 www.CPBJ.com • Central Penn Business Journal • 717-236-4300 MARCH 31, 2017

wrap their heads around what the changes mean area independent agencies. FUTURE for their business. MERGER “If you look at some of the larger con- continued from page 15 “It’s subject to change every day,” Green said. continued from page 14 sulting firms that tried to contend in For one, President Donald Trump’s prelimi- this area, they’ve all exited,” Sauvé said. nary budget outline for 2018 proposes having “It’s a relationship business, there’s link on its website explaining the choices for federal policyholders assume the full cost of The merger gives Sauvé clients more no question about it. To go in to any home and business owners and offering contact the flood hazard mapping program, which is data analytics tools; compliance and market arbitrarily and hang a shingle information for insurance agents and compa- currently funded by a combination of premium Affordable Care Act support; retire- is not impossible, but it’s much more nies who could help. Since then, the number of fees and taxpayer money. If Congress decided to ment services; wellbeing, employee difficult and will take a lot more time residential private-market policies in the state adopt the change — and there is no guarantee engagement, communications and unless there are ties. I think Gallagher has grown from 1,518 in early 2016 to 3,392 in that it will — premiums for federal policies would compensation consulting; and private saw Sauvé as an opportunity to have February 2017. go up even more. exchange strategy, technology and a legitimate footprint with feet on the The federal insurance program still holds the The federal program is also up for reautho- support. street and working in the community.” lion’s share of residential and commercial poli- rization at the end of September, opening the Sauvé said the additional services Wevodau said the merger already cies in the state — about 61,724 total — but that door for further change, and many insurance position his firm to push geographic has brought significant growth from number could rise as awareness grows and subsi- professionals have advocated for legislation that boundaries with prior contacts from clients they would have struggled to dies for the federal program continue to taper off. advances the private market’s ability to compete. their corporate backgrounds – Wevo- serve without Gallagher’s backing. But Kramm, of The Coup Agency, is among the dau came from Wells Fargo and Sauvé Sauvé and Wevodau said there’s still Future in flux agents keeping a close eye on the changes ahead. had been a carrier representative room for ethical, professional firms Gaynor Green figures she receives a new So far, the shift has been an overall positive expe- serving Central Pennsylvania clients of all sizes. email just about every day about changes in rience for her business and her clients, she said. – and at a time when figuring out Other firms were mum on the impact flood insurance. Some of her customers now can lock in cheap- employees benefits is at the height of of having a big player in the market. Green, a licensed personal lines agent, has er premiums on the private market, something uncertainty. One competitor declined to com- worked for Gunn-Mowery LLC for more than they could not do with the federal program, she But Sauvé Consulting also had ment and others did not return calls 12 years. The Lemoyne-based insurance agency said. And because her agency offers both govern- something to offer even a giant like about the merger between Sauvé Con- offers flood insurance through Selective, a car- ment and private options, the growing market Gallagher. Sauvé’s like-minded busi- sulting and Arthur J. Gallagher. rier that writes policies on behalf of the National gives her a competitive edge. ness model, culture and values were Sauvé was clear about his goals. Flood Insurance Program. The change has also been good for local real cited by Gallagher’s Tom Belmont Jr., “Our goal is to grow,” he said. “Quite Although she could see the growing avail- estate as more people realize they can afford the area president of mid-Atlantic benefits candidly, we’re now expected to grow ability of private-market options creating some insurance premiums that come with living in areas operations. from the corporate perspective. But competition in the future, the market’s shifting prone to flooding, she said. Although some mort- But perhaps more important, Sauvé us going to Gallagher doesn’t push landscape has, so far, had minimal impact on gage holders she works with were initially hesitant Consulting had local roots in a place anyone out of the market. At the end her day-to-day job. to accept policies through nontraditional carriers, where that still matters. Sauvé said of the day, as long as you’re doing Several midstate insurance agents expressed she said, most have grown used to the idea. organic growth had given the firm a what you need to do for your clients, similar sentiments when contacted in early “People should know that there are options stronghold in the region and mindful there shouldn’t be anything to worry March, with many saying they were still trying to now,” she said. < service earned it high ranking among a b o u t .” <

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INSIGHTSWW W.CPB J.C OM/INSI GHT S is pleased to welcome

BUSINESS OWNERSHIP RichaRd L. hackman, Esq. TRANSFER EXPERT to the firm. Is selling real estate different Rick joins Saxton & Stump as a Q: than selling a business? Shareholder and Chair of the firm’s Labor and Employment group. For 20 years, he Yes. Real estate is a tangible asset that most buyers has dedicated his practice to representing A: can rationalize a value for, cap rates are in the 8 to12% employers and management in all aspects of range, you stick a sign in front of the property saying it is for employment law. Rick previously served as sale, banks will typically lend against it at 75 to 80% loan Vice-Chair of Barley Snyder’s to value, and the purchase contract is typically a standardized Employment group. form that gets lled out with the property particulars. A business can have high intangible value components, very Saxton & Stump is a legal and consulting few people know how to value a business, cap rates are in the 20 to 35% range, firm focused on representing health care con dentiality is a major concern so as to not scare away employees, customers, suppliers, professionals and businesses. Thefirm etc., banks only want to nance the tangible portion at less than full value, and the now has over 60 professionals and is an purchase agreement is a complex, custom document that allocates risk between buyer innovation, as the lawyers, physicians and and seller. business experts all work together for the common good of their clients.

Jim Eshleman, Principal Strategic Endeavors LLC 805 Estelle Drive, Suite 110, Lancaster, PA 17601 280 Granite Run Drive, Suite 300 Lancaster, PA 17601 717 898-7662 (717)556-1000 [email protected] www.strategicendeavors.com 800 Corporate Circle, Suite 202 Harrisburg, PA 17110 (717)216-5505

This general information is not intended to provide individual advice. Schedule an appointment with a professional to discuss Visit our website to learn more about our exciting resources. your particular situation and needs. Questions sent to these professionals may be answered in future issues. www.saxtonstump.com LISTS Independent insurance agencies: Health/life...... 20 Property-casualty ...... 21

MARCH 31, 2017 • www.CPBJ.com Next week’s lists: Chambers of commerce; Economic development organizations; Defense contractors A CONVERSATION BRIAN GRIMM WITH executive director, York Day Nursery

: How is high-quality childhood edu- nursery has not had an executive director for cation meeting the changing needs Q About Brian Grimm 18 months, so stabilizing things was great. of communities? Brian Grimm, 39, was named executive director of York Day Nursery in February. He Lisa (Rumsey, interim executive director : With both parents working now, we spent 15 years with Martin Memorial Library and the York County Library are in high demand. We have a very and now program director) did an amazing A System, in various roles in customer service, programming, community large waiting list. It’s definitely something job keeping this place together. notable, that this number keeps getting outreach and operations. larger and larger. Grimm has a bachelor’s degree in criminal justice from Kutztown What is your favorite children’s book? Seventeen percent of York County chil- University and a master’s degree in library and information science “Don’t Let the Pigeon Drive the Bus,” by dren live under poverty line. With our Pre-K from Clarion University. Mo Willems. It makes me laugh, it’s fun, it Counts class, we’re seeing an increase of He lives with his wife, Ashley, and sons Carter, 16, and Benjamin, can be related to everything else too. My children needing high-quality childhood 3, in Manchester Township. son always wants to do things he can’t do, education. Fifty-seven percent of those kids so I’ll tell him, “Don’t let the pigeon drive are economically at-risk. the bus, Ben. “ We want to build our capacity, whether We want our children, when they leave high school or getting jobs, going to college. “The Bus for Us,” by Suzanne Bloom, that’s our service capacity or our fundrais- our center, to be kindergarten ready. We is another. It’s a really nice book about a ing capacity, to really meet the needs of the want to put them in the best possible posi- How has your experience with the Mar- child waiting for her bus to arrive with her community. We don’t want to tell our wait- tion once they get to school. Kids who aren’t tin Memorial Library and York County older brother. I’m a big Jim Collins, “Good to ing list sorry, we don’t have room for you. in high-quality early childhood education Library System prepared you for this job? Great” fan, and he always talks about getting centers aren’t ready and are behind the The mission of the nursery and of the the right people on the bus, so it’s funny for Your 3-year-old son has been enrolled eight-ball. What we’re trying to do is create library are very closely aligned. We’re here me to see a children’s book about getting on in York Day Nursery since he was 7 weeks an environment that will develop the total to help kids and help our community. the right bus and making sure you’re going old and you served on its board of direc- child, emotionally, socially, physically or in- I also had a lot of experience dealing with in the right direction. tors. Why do you feel early childhood tellectually. The early start is what sets them organizational structure and understand- education is so important? up for success down the line, when they get to ing the ins and outs of administration. The - Jennifer Deinlein, contributing writer

Keep your to-do list to a minimum. Renew online. www.CPBJ.com

Calendar Carlisle Young Professionals, March gies for retirement,” speaker Joe Wirbick Professional development series: 6-8 details: Susan Kauffman, skauffman@lcci. Mechanicsburg chamber Final Friday: 5:30-8:30 p.m. Friday, of Sequinox; free; details: Paige Schober, p.m. Monday, April 3; Harrisburg; speaker com or 717-397-3531. businesswomen’s networking lun- March 31; South Middleton Township; [email protected] or 717-397-3531, x152. David Everett from the JDK Group, RSVP cheon: 11:30 a.m.-1 p.m. Tuesday, April 11; mixer at Midway Bowling, please RSVP by April 3; members free; details: market- Lancaster chamber Columbia/ Silver Spring Township; RSVP requested; for lane reservations; cost: members Harrisburg Regional chamber Dauphin [email protected]. Donegal/Elizabethtown/Hempfield cost: members free, nonmembers $10; free, nonmembers $10; details: www. County Women’s Expo: 9 a.m.-2 p.m. consortium: 11:30 a.m.-1 p.m. Thursday, details: [email protected] carlisleyp.org. Saturday, April 1; Hershey; more than 100 Lancaster chamber Lancaster city/ April 6; Columbia; learn more about or 717-796-0811. exhibitors; cost: $5; details: 717-285-1350 Lancaster Township consortium: 7:30- issues affecting the region; cost: mem- Lancaster chamber Professional or [email protected]. 9 a.m. Tuesday, April 4; Lancaster; learn bers free, nonmembers $25; details: SUBMITTING ITEMS Development Friday: 8:30-10:30 a.m. more about issues affecting the region; Susan Kauffman, [email protected] or Email calendar items four weeks Friday, March 31; Lancaster; “Tax strate- Harrisburg Young Professionals cost: members free, nonmembers $25; 717-397-3531. in advance to [email protected]. 18 www.CPBJ.com NEWSMAKERS Central Penn Business Journal MARCH 31, 2017 People: promotions, appointments and hires

ACCOUNTING credited portfolio management University’s Washington College ing College and a post-graduate counties. She has a bachelor’s de- adviser, accredited asset man- of Law. diploma in business management gree from Towson University. Hu- Manheim Township-based agement specialist, chartered from Pune University, both in In- yard will lead the Wendell Huyard RKL LLP named financial consultant, chartered MANUFACTURING dia. Team and specialize in residential Ryan P. Hurst a life underwriter, chartered retire- ∙ sales in Lancaster County. Moss will manager in its ment planning counselor and a East Lampeter Township-based Juan C. Marino Contrera was specialize in residential sales in York business con- certified fund specialist. He has a High Company named senior functional analyst. and Adams counties. sulting services bachelor’s degree from Franklin LLC named Car- He will oversee group. He will & Marshall. rie J. Booth tax and maintain be based in the director. She will systems applica- SENIOR CARE Wyomissing, Hurst handle tax com- tions and prod- Lititz-based Moravian Manor Berks County office and perform HEALTH CARE pliance, account- uct quality man- named Deepa valuations and related consulting Susquehanna Township- ing for income agement and Balepur, Joseph services for clients in Central and based Capi- taxes, planning, Booth project systems McSparran eastern Pennsylvania. He is an ac- tal BlueCross and research and implementation functionalities. Marino Contrera Jr. and Stacie credited senior appraiser with 13 named Susan of tax strategies, policies and pro- He was SAP senior system analyst Reidenbaugh years of experience in valuation, Hubley vice cedures. She was tax director for for Husky Energy. He has a mas- board members. investment banking and consult- president of Armstrong World Industries Inc. ter’s degree from the University of Balepur is prin- ing. He has a bachelor’s degree corporate social She is a certified public accoun- Camaguey in Cuba. cipal with Com- Balepur from Shippensburg University. responsibility. tant and has a bachelor’s degree pass Real Estate She will lead ef- Hubley from Elizabethtown College. LLC in Manheim forts to strengthen outreach and ∙ REAL ESTATE Township; Mc- ASSOCIATIONS corporate giving. She will also Dhrumil A. Shah was named Sparran was an Financial increase the insurer’s participa- group controller. associate pro- Planning As- tion in the Children’s Health In- He will handle fessor at Kutz- sociation of surance Program. She has nearly controllership, town University; Central Penn- 30 years of community relations accounting, re- Reidenbaugh is Reidenbaugh sylvania elected experience, and was most re- porting, finan- executive director of Lancaster Derek Nowak cently director of community af- cial analysis and Lebanon Habitat for Humanity Moreno Cooley president, Brian fairs with Highmark Blue Shield planning pro- in Lancaster. Fields president Nowak in East Pennsboro Township. cesses for High Shah elect and educa- She has a bachelor’s degree from Concrete Group LLC. He was ac- TECHNOLOGY tion chair, and Shippensburg University. counting and finance manager Lon Jury mem- for business process and analysis East Lampeter Township- bership chair. with The Hershey Co. He has a based 12:34 MicroTechnologies Nowak is a fi- LAW bachelor’s degree and an MBA in Lancaster named Zack Lesher nancial planner Manheim Township-based from the University of Connecti- network administrator. He has a and a graduate of Saxton & Stump named Rich- cut. Huyard Moss degree in network administra- Franklin & Mar- ard L. Hackman ∙ tion. Fields shall College, a shareholder. Narayan V. Shyam was named Manor Township-based Berk- and has an MBA He represents information technology proj- shire Hathaway HomeServices from Penn State. employers and ect manager. He will lead vari- Homesale Realty named Noelia SENDING NEWSMAKERS Fields is a finan- management ous IT strategic Moreno, Laura Cooley, Wendell Send announcements concerning promotions and newly hired cial planner and in employment initiatives and Huyard and Nellie Moss Realtors. personnel to [email protected]. first vice presi- law. He was a projects. He was Moreno will be a member of the Save photos at 300 dpi as TIFF dent, branch partner with Hackman senior project Knox-Ulsh Group and specialize in or JPG files. Please do not embed director and Barley Snyder’s Lancaster office manager for Ora- residential sales in Cumberland and photos in word documents. Photos portfolio man- Jury and vice chair of its employment cle-NetSuite. He Dauphin counties. She has a law de- sent through the mail will not be ager with RBC law group. He has a bachelor’s de- has a bachelor’s gree from the University of Granada returned. Releases should include the Wealth Management in Lemoyne. gree from the University of Dallas degree from Re- Shyam in Spain. Cooley will specialize in municipality in which the company is Jury is a financial planner, ac- and a law degree from American gional Engineer- residential sales in York and Adams located. ON THE MOVE REAL ESTATE NEWS: openings, contracts, transactions, relocations

Acepro Inc. leased 2,982 leased 4,101 square feet of office square feet of office space at 221 W. dustrial space at 495 E. Locust ing and beer distribution business square feet of office space at 1407 space at 18 S. George St., York. Philadelphia St., York. Rock Com- Lane, Manchester Township. at 119 Bridge St., New Cumber- Williams Road, Springettsbury Rock Commercial represented mercial represented both parties. Rock Commercial represented land. NAI CIR of Wormleysburg Township. Rock Commercial rep- both parties. the tenant. represented both parties. resented the tenant. UGI Energy Services Inc. Recovery Wellness Services leased 1,200 square feet of com- Community Services Group Movement Mortgage LLC Inc. leased 228 square feet of of- mercial space at 555 Ryan Run Inc. leased 4,508 square feet of SUBMITTING ITEMS leased 2,054 square feet of office fice space at 18 S. George St., York. Road, Manchester Township. mixed use space at 149-155 W. Email announcements of business space at 195 Leader Heights Road, Rock Commercial represented Rock Commercial represented Market St., York. Rock Commer- openings, contracts, real estate transactions or relocations to onthe York Township. Rock Commercial both parties. both parties. cial represented both parties. [email protected]. Please do not send represented the landlord. duplicates of your release. Releases Transperfect Translations The Wolf Organization LLC OTBW Real Estate LLC pur- should include the municipality in Credit Bureau of York Inc. International Inc. leased 2,814 leased 200,000 square feet of in- chased a 5,778 square foot build- which the company is located. MARCH 31, 2017 Central Penn Business Journal BUSINESS RECORD www.CPBJ.com 19

MORTGAGES Mount Joy Township; $1.5 million USER’S GUIDE Mortgagor: SWDB Holdings LLC, William David Barr CUMBERLAND COUNTY he Business Record section provides restructure finances and remain in business. seen it published here, please email satisfaction Lender: Branch Banking and Trust Co. news obtained from public records, Chapter 13 is for those with a regular income papers to [email protected]. Details: Property in Lancaster; $600,000 Mortgagor: Benchmarq Holdings LLC which can be used as business leads. who cannot pay their debts. Lender: Union Community Bank T Here are some quick explanations. If you Mortgagor: H3G LLC, Edward Gallagher, John Details: Property at 279 Susquehanna Ave., MORTGAGES/DEEDS have questions, please email Researcher Hartman East Pennsboro Township; $2.5 million LIENS Mortgages and deeds are a sign of economic Alaine Keisling at [email protected]. Lender: PeoplesBank Liens include those filed against businesses by activity and show business properties that Details: Property in Upper Leacock Township; Mortgagor: Firefly Holdings LLC federal, state or municipal governments, as plan development. Each mortgage listing $500,00, $585,000 Lender: First Priority Bank BANKRUPTCIES well as satisfied liens. This information may be gives the name of the business or individual Details: Property in Silver Spring Township; These include Chapter 7, 11 and 13 business- useful to credit managers, loan officers, attor- who has taken on a mortgage, the lender, Mortgagor: 205 Race Street LLC, Check related filings. Creditors, vendors and sup- neys, collection agencies or vendors. Because $2.2 million property location and the amount borrowed. Properties LP, Eric Morgan, Check pliers may find these useful. Chapter 7 is of changes in county systems for recording Each deed listing shows who has received the Properties Management LLC liquidation and usually indicates a desire to tax-lien satisfactions, the Business Journal may Mortgagor: Hollinger Development III LLC property, the previous owner, the location Lender: Members First Federal Credit Union terminate a business. Chapter 11 is reorga- not have published some satisfactions. If your Lender: Riverview Bank and sale price. This information is useful for Details: Property in Lancaster; $1.32 million nization and provides the opportunity to company has satisfied a lien and you have not Details: Property at 3045 Lisburn Road, Lower lenders, real estate agents and developers. Allen Township; $975,000 Mortgagor: Paradise Meadows LLC Lorraine Wenger Mortgagor: 205 Race Street LLC, Check Mortgagor: New Sporting Hill Associates LP Lender: Fulton Bank Lender: Peoples Security Bank and Trust Co. Lender: Union Community Bank Properties LP, Eric Morgan, Check Mortgagor: MJR Admiral’s Quay LLC Details: Property on Pequea Manor Drive, Details: Property in Hampden Township; $18.56 Details: Property in Lancaster; $1.26 million Properties Management LLC Lender: First National Bank of Mifflintown Leacock Township; $466,921, $3.1 million million Lender: Members First Federal Credit Union Details: Property in Hampden Township; $2.83 Details: Property on Race Avenue, Lancaster; Mortgagor: Astro Investments Mortgagor: Algar Properties LLC, Samuel million $1.32 million Mortgagor: Charter Homes at Highpoint Inc. Lender: Santander Bank W. Allen Lender: Beneficial Bank Details: Property in Ephrata; $10.32 million Lender: Union Community Bank Mortgagor: DGK Real Estate LP Mortgagor: Ironstone Homes LLC, Trevor Details: Property in Lower Allen Township; Details: Property in Mount Joy; $800,000 Lender: S&T Bank Eby, Larry Eby Mortgagor: Stonehenge Development Details: Property at 264 N. Middlesex Road, $6.95 million Lender: Fulton Bank Middlesex Township; $720,000 LLC; JEB Family LTD Partnership, Nancy Details: Property in Rapho Township; $1 million FEDERAL LIENS LANCASTER COUNTY Buckwalter, Peter Alecxih, Neil Perate Mortgagor: Benchmarq Holdings LLC Lender: Peoples Bank, Stonehenge Mortgagor: Forino Co. LP, Metzer Home Cumberland County Lender: Union Community Bank Mortgagor: Rosenwald Ventures LLC, Joel Development LLC, Peter Alecxih, Neil Perate Builders Inc.; Anthony Forino LLC Details: Property in East Pennsboro Township; Leaman, Sonship Partners, John Gibbel, Details: Property in Manheim Township; $5.16 Lender: Fulton Bank Cenyx Corporation; 100 Third St., New $2.5 million Plum Properties, Benjamin Wenger, million Details: Property on Canvasback Lane, Upper Cumberland, PA 17070; amount: $19,340

AWARDS Honors, designations and recognitions BANKING awards in the carpentry division: Training Facility; and Warfel Con- risburg-based Pavone Marketing School, York Springs. Abby Rig- Zachary Rhoads was a Gold struction Co., of East Hempfield Group 11 American Advertising gio, a senior at Blackhawk High Susquehanna Township-based Medalist and also won a Safety Township, in the Institutional Less ADDY Gold Awards for work for School, Beaver Falls, won second Pennsylvania Bankers Associa- Award; Justin Cramer was a Silver Than $5 Million category, for the R.W. Sauder Inc., Seagrams, Herr place; and Leah Jameson, a junior tion gave Becky Stapleton its in- Medalist. Both are employed at St. Leo the Great Catholic School Foods and Donate Life Pennsyl- at West York Area High School, augural Champion For Women Benchmark Construction Co. Inc. Expansion and Renovation. RLS vania. Pavone also won two Best placed third. Writers addressed Award for inspiring women in the of West Earl Township and are ap- Construction Group, of Hamp- of Show honors – Best of Print and the driver safety-themed question workplace through mentoring and prentices of the Rapho Township- den Township, won the National Best of Sound – for a Pocono Race- “Why is it important to take the ‘It community programs. Stapleton based Keystone Chapter of Asso- Safety Pinnacle Award for its cor- way campaign. Can Wait’ pledge to keep your eyes is senior executive vice president ciated Builders and Contractors. porate safety and health program. on the road, not on your phone?” and chief banking officer at Indi- United Rentals Inc., of Manches- MEDIA ana County-based S&T Bank. The ABC also awarded four ter Township, won the National Susquehanna Township-based ABC Keystone member compa- Diversity Excellence Award in the Pennsylvania NewsMedia Asso- SENDING AWARDS CONSTRUCTION Please send announcements nies with honors at its Excellence Supplier category for diversity in ciation Foundation gave Biridi- concerning awards received to Washington, D.C.-based Asso- in Construction Awards. Pyramid leadership, supply chain, recruit- ana Lua-Garcia a first place 2017 [email protected]. We do not ciated Builders and Contractors Award winners were Kinsley Con- ment, training and mentoring. Student Keystone Press Award publish photos for award recipients. (ABC) named two regional win- struction Inc., of York Township, in the association’s “It Can Wait” Please do not send duplicates of your ners at its National Craft Champi- in the Community/Public Service MARKETING editorial contest. Lua-Garcia is a release. Releases should include the municipality in which the company is onships Careers in Construction category for the ABC Keystone The Philly Ad Club gave Har- senior at Bermudian Springs High located. off the clock Bringing social life to the pages of Central Penn Business Journal. We are looking for your photos to include in our Off the Clock weekly feature that highlights fundraisers, galas, social events or seminars. Email your photos to [email protected]. Save photos at 300 dpi as TIFF or JPG. Do not embed photos in Word documents. 20 www.CPBJ.com THE LIST Central Penn Business Journal MARCH 31, 2017

Independent insurance agencies: Health/life Ranked by local health and life premium volume

Rank Prev. Company 2016 local Top local executive Website % of insur. sold: Local/total % of insur. sold: Local/total locations rank Address health and life/ Title Phone health/life agents comm./personal Headquarters total retail prop. cas/other F-T/P-T local other Year estab. premium volume Major carriers employees

1 THE BENECON GROUP INC. $1.45 billion Samuel N. Lombardo www.benecon.com 99%/0% 21/21 100%/0% 1/1 P.O. Box 5404 $1.47 billion Chairman and CEO 717-723-4600 0%/1% 109/6 0% Manheim Twp. 1 Lancaster, PA 17606-5404 888-400-4647 22 1946

3 E.K. MCCONKEY & CO. INC. DBA $225 million Norman F. Basso www.ekmcconkey.com 60%/DNR 75/80 95%/2% 1/2 MCCONKEY INSURANCE & BENEFITS $325 million President and CEO 717-755-9266 35%/5% 84/0 3% Springettsbury Twp. 2 2555 Kingston Road, Suite 100 25+ 1890 York, PA 17402

4 MURRAY INSURANCE ASSOCIATES INC. DBA $143.47 million Richard M. Rankin www.murrayins.com 17%/1% DNR/DNR 74%/7% 4/7 MURRAY SECURUS $289.02 million Chairman, president and CEO 717-397-9600 63%/19% 182/7 19% Lancaster 3 39 N. Duke St., P.O. Box 1728 800-533-5271 32 1930 Lancaster, PA 17608-1728

5 ENGLE-HAMBRIGHT & DAVIES INC. AKA EHD $109.88 million Jon K. Miles www.ehd-ins.com 22%/0% 26/29 93%/8% 3/4 1857 William Penn Way $228.98 million President and CEO 717-394-5681 78%/DNR 93/0 0% Lancaster 4 Lancaster, PA 17601 800-544-7292 87 1896

6 ARTHUR J. GLATFELTER AGENCY INC. DBA $63.68 million Anthony P. Campisi CPCU www.glatfelters.com 23%/7% 14/47 91%/9% 2/8 GLATFELTER INSURANCE GROUP $103.93 million President and CEO 717-741-0911 70%/0% 41/1 0% York Twp. 5 183 Leader Heights Road, P.O. Box 2726 800-233-1957 25 1951 York, PA 17405-2726

8 GUNN-MOWERY LLC $47.7 million G. Greg Gunn CIC www.gunnmowery.com 27%/5% 54/59 50%/20% 3/4 650 N. 12th St. $94.7 million Managing partner 717-761-4600 68%/DNR 60/1 30% Lemoyne 6 Lemoyne, PA 17043 800-840-1243 Most 1985

9 THE PATTON GROUP $31.75 million Robert M. Patton CLU www.thepattongroup.biz 90%/5% 5/5 90%/10% 1/1 1041 S. Queen St. $31.75 million Partner 717-812-1982 0%/5% 5/1 0% York 7 York, PA 17403 12 1975

10 WEVODAU INSURANCE & $24 million Gerry R. Wevodau www.wevins.com 70%/15% 5/5 80%/20% 1/1 BENEFIT STRATEGIES INC. $24 million President 717-761-0393 0%/15% 3/2 DNR Wormleysburg 8 600 N. Front St. 12 2006 Wormleysburg, PA 17043

NR MML INVESTORS SERVICES LLC DBA $7.92 million Matthew J. Dobbie www.ufinancialgroup.com 0%/97% 46/94 DNR/100% 1/7 UFINANCIAL GROUP $35.77 million President and CEO 717-791-3300 0%/3% 66/13 DNR Springfield, Mass. 9 5001 Louise Drive 5 1890 Mechanicsburg, PA 17055

12 YORK INDEPENDENTS INC. $3.45 million Sean K. Clark www.yifinancial.com 0%/14% 1/1 0%/100% 1/1 18 S. George St., Suite 608 $3.45 million CEO 717-324-6147 1%/85% 1/1 0% York 10 York, PA 17401 125 2001

NR REILLY INSURANCE LLC $1.2 million Mark T. Reilly www.reillyinsurancellc.com 15%/2% 6/6 30%/65% 3/0 3030 Gettysburg Road $6.7 million Principal 717-234-1200 79%/4% 7/0 5% Lower Allen Twp. 11 Camp Hill, PA 17011 15 2011

15 KELLER AGENCY INC. DBA $1.01 million Bari Joy Keller-Brown www.keller-brown.com 2%/3% 20/20 55%/40% 1/1 KELLER-BROWN INSURANCE SERVICES $11.39 million President 717-235-6891 95%/0% 20/1 5% Shrewsbury 12 9 S. Main St., P.O. Box 215 800-785-7461 20 1899 Shrewsbury, PA 17361-0215

16 KNOLL INSURANCE AGENCY INC. $779,000 John Knoll www.knoll-insurance.com 8%/0% 10/DNR 89%/11% 1/1 704 Bridge St. $9.19 million President 717-774-8128 92%/0% 10/0 0% New Cumberland 13 New Cumberland, PA 17070 32 1997

17 COVENANT INSURANCE GROUP INC. $102,000 Robert T. Stone www.covenantcares.com 8%/2% 14/14 51%/47% 2/2 3361 W. Canal Road $1.8 million President 717-292-2028 90%/0% 14/14 2% Dover Twp. 14 Dover, PA 17315 855-292-2028 3 1984

DBA-doing business as DNR-did not respond NA-not applicable NR-not ranked The Central Penn Business Journal's list of independent health/life insurance agencies is limited to agencies in or near Adams, Cumberland, Dauphin, Researched by Alaine Keisling Franklin, Lancaster, Lebanon, Perry or York counties that reported more than half of their business involved health and life insurance. Information came from the individual companies and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter. Published March 31, 2017.

and receive SUBSCRIBE TO SUBSCRIBER ONLY CONTENT. at cpbj.com MARCH 31, 2017 Central Penn Business Journal THE LIST www.CPBJ.com 21

Independent insurance agencies: Property-casualty Ranked by local property-casualty retail premium volume

Rank Prev. Company 2016 local Top local executive Website % of insur. sold: Local/total % of insur. sold: Local/total locations rank Address property casualty/ Title Phone prop. cas/health agents comm./personal Headquarters total retail life/other F-T/P-T local employees other Year estab. premium volume Major carriers

1 THE INSURANCE ALLIANCE $231.48 million Jane D. Koppenheffer www.tiacp.com 100%/0% 99/182 85%/15% 10/16 OF CENTRAL PA INC. $213.96 million President and CEO 717-230-1910 0%/0% 148/12 0% Lower Allen Twp. 1 3425 Simpson Ferry Road, Suite 101 53 1997 Camp Hill, PA 17011 3 MURRAY INSURANCE ASSOCIATES INC. DBA $145.56 million Richard M. Rankin www.murrayins.com 63%/17% DNR/DNR 74%/7% 4/7 MURRAY SECURUS $289.02 million Chairman, president and CEO 717-397-9600 1%/19% 182/7 19% Lancaster 2 39 N. Duke St., P.O. Box 1728 800-533-5271 32 1930 Lancaster, PA 17608-1728 4 ENGLE-HAMBRIGHT & DAVIES INC. AKA EHD $119.1 million Jon K. Miles www.ehd-ins.com 78%/22% 26/29 93%/8% 3/4 1857 William Penn Way $228.98 million President and CEO 717-394-5681 0%/DNR 93/0 0% Lancaster 3 Lancaster, PA 17601 800-544-7292 87 1896

2 E.K. MCCONKEY & CO. INC. DBA $100 million Norman F. Basso www.ekmcconkey.com 35%/60% 75/80 95%/2% 1/2 MCCONKEY INSURANCE & BENEFITS $325 million President and CEO 717-755-9266 DNR/5% 84/0 3% Springettsbury Twp. 4 2555 Kingston Road, Suite 100 25+ 1890 York, PA 17402 5 GUNN-MOWERY LLC $46 million G. Greg Gunn CIC www.gunnmowery.com 68%/27% 54/59 50%/20% 3/4 650 N. 12th St. $94.7 million Managing partner 717-761-4600 5%/DNR 60/1 30% Lemoyne 5 Lemoyne, PA 17043 800-840-1243 Most 1985

7 ARTHUR J. GLATFELTER AGENCY INC. DBA $40.25 million Anthony P. Campisi CPCU www.glatfelters.com 70%/23% 14/47 91%/9% 2/8 GLATFELTER INSURANCE GROUP $103.93 million President and CEO 717-741-0911 7%/0% 41/1 0% York Twp. 6 183 Leader Heights Road, P.O. Box 2726 800-233-1957 25 1951 York, PA 17405-2726 8 KELLER AGENCY INC. DBA $10.38 million Bari Joy Keller-Brown www.keller-brown.com 95%/2% 20/20 55%/40% 1/1 KELLER-BROWN INSURANCE SERVICES $11.39 million President 717-235-6891 3%/0% 20/1 5% Shrewsbury 7 9 S. Main St., P.O. Box 215 800-785-7461 20 1899 Shrewsbury, PA 17361-0215 9 KNOLL INSURANCE AGENCY INC. $8.41 million John Knoll www.knoll-insurance.com 92%/8% 10/DNR 89%/11% 1/1 704 Bridge St. $9.19 million President 717-774-8128 0%/0% 10/0 0% New Cumberland 8 New Cumberland, PA 17070 32 1997

10 THE BENECON GROUP INC. $6.54 million Samuel N. Lombardo www.benecon.com 0%/99% 21/21 100%/0% 1/1 P.O. Box 5404 $1.47 billion Chairman and CEO 717-723-4600 0%/1% 109/6 0% Manheim Twp. 9 Lancaster, PA 17606-5404 888-400-4647 22 1946

NR REILLY INSURANCE LLC $5.2 million Mark T. Reilly www.reillyinsurancellc.com 79%/15% 6/6 30%/65% 3/0 3030 Gettysburg Road $6.7 million Principal 717-234-1200 2%/4% 7/0 5% Lower Allen Twp. 10 Camp Hill, PA 17011 15 2011

DBA-doing business as DNR-did not respond NA-not applicable NR-not ranked The Central Penn Business Journal's list of independent property-casualty insurance agencies is limited to agencies in or near Adams, Cumberland, Dauphin, Researched by Alaine Keisling Franklin, Lancaster, Lebanon, Perry or York counties that reported more than half of their business involved property-casualty insurance. Information came from the individual companies and other Business Journal research. To access the Business Journal's online database, visit www.CPBJ.com/ListCentral. Surveys available at www.CPBJsurveys.info; follow @CPBJListCentral on Twitter. Published March 31, 2017.

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www.CPBJnow.com 22 www.CPBJ.com 717-236-4300 March 31, 2017 BUSINESS To Advertise Your Business Here For 30 Years, MCA has helped people realize the dream of owning Advertise in the a business or investment property in South Central Pennsylvania. To contact Classifieds RECENTLY LISTED BUSINESSES 717-236-4300 • Landscape Nursery and Greenhouses – Dauphin County [email protected] • Nino’s Bistro – Camp Hill CLASSIFIEDS • Dance Studio - Central PA. To contact Andrew Miller • Postal Connections – Mechanicsburg and York 717-236-4300 • Woodcraft Franchise – Harrisburg or [email protected] CONTACT Cindy Miller-Olweiler Business Broker Associate for more information to learn more about these businesses for sale or to list your business at 717-304-9787 or email Cindy at [email protected] www.mcabizbrokers.com EXECUTIVE HOMES

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To Contact Classifieds • 717-236-4300 • [email protected] 1500 Paxton Street • Harrisburg, PA 17104 • www.CPBJ.com March 31, 2017 717-236-4300 www.CPBJ.com 23 LEGAL LISTINGS NOTICE IS HEREBY GIVEN that Letters Testamen- tary have been granted in the following Estate. All McNees Wallace & Nurick LLC Camp Hill, PA 17011 Executor: Jacqueline M. Wiley (146 Sylvan Ter ESTATE OF Leah Roche, late of City of Harrisburg, persons indebted to the said Estate are required race, Harrisburg, PA 17104) Dauphin County, Pennsylvania (died November 21, to make payment and those having claims or de- 100 Pine Street (717) 763-1383 2016). Administrator – Dara DeRoiste. Attorney – mands to present the same without delay to the Attorney: Kristen Snyder, Jackson Law Firm, PLLC Bruce J. Warshawsky, Esquire, Cunningham, Cher- Executrix and Attorney named below. P.O. Box 1166 nicoff & Warshawsku, P.C., 2320 North Second NOTICE is hereby given pursuant to the Fictitious 1215 Manor Dr, Ste 202, Mechanicsburg, PA Street, Harrisburg, PA 17110 ESTATE OF Dorothy L. Tidd a/k/a Dorothy Lucille Harrisburg, PA 17108-1166 Names Act, 54 Pa. C.S. Section 311, as amended, 17055 Tidd, late of Lower Paxton Township, Dauphin that Wintermyer Auto Salvage, Inc. of 2790 Lew- County, Pennsylvania (died February 6, 2017). Ex- (717) 232-8000 isberry Road, York Haven, PA 17370 did file in NOTICE IS HEREBY GIVEN that Letters of Testamen- ecutrix – Christinna Horvath. Attorney – Bruce J. the office of the Secretary of the Commonwealth ARTICLES OF INCORPORATION tary have been granted in the following Estate. All Warshawsky, Esquire, Cunningham, Chernicoff & of Pennsylvania, on March 13, 2017, registration persons indebted to the said Estate are required Warshawsky, P.C., 2320 North Second Street, Har- Letters Testamentary on the Estate of Nancy D. My- of the fictitious name: Wintermyer Auto Salvage & NOTICE IS HEREBY GIVEN that Articles of Incorpora to make payment and those having claims or de- risburg, PA 17110. ers (date of death – 1/2/2017), late of East Penns- Recycling under which they intend to do business mands to present the same without delay to the boro Township, Summerdale, Cumberland County, at 2790 Lewisberry Road, York Haven, York County, tion were filed with the Administrator or attorney named below. Pennsylvania, have been granted to Kerry A. Myers. PA 17370. NOTICE IS HEREBY GIVEN that Letters of Testamen- All persons indebted to Nancy D. Myers are re- Department of State of the Commonwealth of ESTATE OF William Paul Villott, late of Mechanics- tary were granted to Tamera S. Swink, in the Estate quested to make immediate payment to her estate. burg, Cumberland County, Pennsylvania passed on of PAUL W. BAKER, late of Newberry Township, Additionally, all those having claims against Nancy Letters Testamentary on the Estate of Beatrice Pennsylvania, at Harrisburg, Pennsylvania, March 2, 2017. Executor Michael E. Villott, 5733 York County, Pennsylvania, who died on February D. Myers must present them for settlement to: R. Frantz (date of death – 2/28/2017), late of Corte Libre, Pleasanton, Ca. 94566 26, 2017. All persons indebted to the said Estate West Pennsboro Township, Newville, Cumberland for Charis Insurance Group, Inc. on March 13, are required to make payment, and those having Andrew S. Rusinak, Esquire County, Pennsylvania, have been granted to Den- claims or demands to present the same without nis G. Mummert. All persons indebted to Beatrice R. 2017. The said corporation has been delay to the Personal Representative or Attorney McNees Wallace & Nurick LLC Frantz are requested to make immediate payment named below: Tamera S. Swink 106 Oxford Hill to her estate. Additionally, all those having claims incorporated under the provisions of the Business Legal Listings Ln, Downingtown, PA, 19335 or Jean D. Seibert, 570 Lausch Lane, Suite 200 against Beatrice R. Frantz must present them for Esquire settlement to: Corporation Law of 1988 of the Lancaster, PA 17601 www.CPBJ.com CALDWELL & KEARNS, PC David M. Watts, Jr., Esquire Commonwealth of Pennsylvania. Telephone: 717-581-3704 3631 N. Front St. Harrisburg, PA 17110 McNees Wallace & Nurick LLC McNEES WALLACE & NURICK LLC Letters Testamentary for the Estate of William Ross 100 Pine Street Attorneys at Law Letters Testamentary on the Estate of Jean Plawsky, Bozman who died February 25, 2017, late of Camp a/k/a Jeannette Plawsky, deceased (date of death – Hill Borough, Cumberland County, Pennsylvania P.O. Box 1166 570 Lausch Lane, Suite 200 February 28, 2017), late of Lower Paxton Township, were granted to Grace Ellen Siguenza. All those Dauphin County, Pennsylvania, have been granted having a claim or those indebted to the estate Harrisburg, PA 17108-1166 Lancaster, PA 17601 to Joel L. Plawsky. All persons indebted to Jean should make their position known by contacting: Plawsky, a/k/a Jeannette Plawsky, are requested to Telephone: 717-237-5344 make immediate payment to her estate. Addition- NOTICE IS HEREBY GIVEN that Letters of Adminis- ally, all those having claims against Jean Plawsky, Susan H. Confair, Esquire tration have been granted in the following Estate. a/k/a Jeannette Plawsky, must present them for Wiley, Thomas M., dec’d 02/12/2017 All persons indebted to the said Estate are required settlement to: Reager & Adler, PC to make payment and those having claims or de- Late of Harrisburg City, Dauphin County mands to present the same without delay to the David M. Watts, Esq. 2331 Market Street administrator or attorney named below. Place an ad in the Classifieds and receive free advertising in the Classified Market Online at www.CPBJ.com To Contact Classifieds 717-236-4300 or [email protected] for more information

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TOP TOPICS THIS WEEK ON CPBJ.COM A Mechanicsburg charity is told to stop raising money and ACA-related new tops the online news cycle this past week. Rite Aid and RadioShack round out list.

Mechanicsburg charity told by state to stop soliciting

Highmark ends bleeding from ACA plans The insurer raised premiums, narrowed its network to offer fewer marketplace plans and improved patient management, said Highmark Groundbreaking at former Masland site seen later this year Health Plan president Deb Rice-Johnson.

Road and utilities construction could Court: Rite Aid was right to fire needle-phobic pharmacist start as early as this summer on the property that once housed manufacturer RadioShack closing 552 stores C.H. Masland & Sons.

Rite Aid Corp. won a key victory in its opposition to a jury verdict against the company for firing a pharmacist who wouldn’t administer injections because he suffered from a fear of needles.

NUMBERS OF THE WEEK SOCIAL SCENE

Tweet of the week

The loss Highmark “Great discussion this morning at the reported for 2015 #WIL roundtable!” in its government Amanda Lavis, @AmandaLavis business unit, which $614 million includes the ACA marketplace.