Form 5500 · Employee benefit plan · ARLINGTON, VA
NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION
The filing calls this plan GROUP BENEFITS PROGRAM.
Public Form 5500 records show how NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION of ARLINGTON, VA, a utilities employer, structures its employee benefits. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 53-0116145 · plan 501 · plan year 2024, filed Oct 14, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,326 other employer plans in Virginia have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering vision and life; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 155,719 people.
The filing declares vision, life, health, dental and disability. Health, dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $51,328,809, with $557 in disclosed broker commissions — about 0% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STARR INDEMNITY & LIABILITY COMPANY | — | 749 | Jan 1, 2025 | $4,283 | $557 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 155,719 | Jan 1, 2025 | $45,119,421 | $0 |
| VISION SERVICE PLAN | Vision | 18,563 | Jan 1, 2025 | $5,922,745 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 933 | Jan 1, 2025 | $282,360 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12330520. For the contract year on this filing, the carrier reported $5,922,745 in premium earned and $4,815,377 in claims incurred. Dividing one by the other gives 81%.
- VISION SERVICE PLAN, contract 12330520 reported $710,730 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Virginia. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,326 other employer plans in Virginia are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Virginia — largest plans, brokers, carriers and renewal months.