Form 5500 · Employee benefit plan · OWENTON, KY
OWEN ELECTRIC COOPERATIVE
The filing calls this plan OWEN ELECTRIC COOPERATIVE, INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how OWEN ELECTRIC COOPERATIVE of OWENTON, KY, a utilities employer, structures its employee benefits. Its broker of record is BROWN & BROWN INS SERVICES, INC.. Coverage is written through EMPHESYS INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0299615 · plan 525 · plan year 2025, filed Jul 15, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with EMPHESYS INSURANCE COMPANY, covers 79 people.
Reported premium across the insured contracts is $539,867, with $27,487 in disclosed broker commissions — about 5.1% 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.
BROWN & BROWN INS SERVICES, INC. is the broker of record on 5 of the 9 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including EMPHESYS INSURANCE COMPANY, STANDARD INSURANCE COMPANY, HUMANA INSURANCE COMPANY and AFLAC. EMPHESYS INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EMPHESYS INSURANCE COMPANY | Health | 79 | Jan 1, 2026 | $333,425 | $9,082 |
| STANDARD INSURANCE COMPANY | Disability | 117 | Jan 1, 2026 | $84,304 | $6,361 |
| HUMANA INSURANCE COMPANY | Dental | 90 | Jan 1, 2026 | $61,316 | $6,051 |
| AFLAC | Life | 38 | Jan 1, 2026 | $23,709 | $2,530 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 174 | Jan 1, 2026 | $11,296 | $1,786 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 35 | Jan 1, 2026 | $13,012 | $1,165 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 6 | Jan 1, 2026 | $4,810 | $404 |
| HUMANA INSURANCE COMPANY OF NEW YORK | Health | 1 | Jan 1, 2026 | $4,152 | $108 |
| ST. ELIZABETH BUSINESS HEALTH | — | 124 | Jan 1, 2026 | $3,843 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 172180. For the contract year on this filing, the carrier reported $78,315 in premium earned and $10,547 in claims incurred. Dividing one by the other gives 13%.
- STANDARD INSURANCE COMPANY, contract 172180 reported $67,767 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.
Other plans filed by this employer
How this plan compares
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