Form 5500 · Employee benefit plan · KINGFISHER, OK
PIONEER TELEPHONE - HEALTH & WELFARE
The filing calls this plan PIONEER TELEPHONE COOPERATIVE, INC. EMPLOYEE BENEFITS PLAN.
PIONEER TELEPHONE - HEALTH & WELFARE of KINGFISHER, OK spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is RYAN BENEFITS INC. Coverage is written through BLUECROSS BLUESHIELD OF OKLAHOMA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 73-0618715 · plan 501 · plan year 2024, filed Mar 11, 2026
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536 other employer plans in Oklahoma 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
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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
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 7 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUECROSS BLUESHIELD OF OKLAHOMA, covers 1,196 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $7,891,800, with $179,196 in disclosed broker commissions — about 2.3% 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.
RYAN BENEFITS INC is the broker of record on 6 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 459 | Jan 1, 2025 | $543,506 | $63,358 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 655 | Jan 1, 2025 | $803,239 | $43,550 |
| BLUECROSS BLUESHIELD OF OKLAHOMA | Health | 1,196 | Jan 1, 2025 | $5,027,904 | $40,225 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 323 | Jan 1, 2025 | $626,871 | $21,606 |
| DELTA DENTAL | Dental | 653 | Jan 1, 2025 | $703,677 | $8,043 |
| VISION SERVICE PLAN | Vision | 659 | Jan 1, 2025 | $87,896 | $2,414 |
| TEXAS LIFE INSURANCE COMPANY | Life | 258 | Jan 1, 2025 | $98,707 | $0 |
Premium and claims on these contracts
BLUECROSS BLUESHIELD OF OKLAHOMA, contract 848300. For the contract year on this filing, the carrier reported $5,027,904 in premium earned and $4,548,248 in claims incurred. Dividing one by the other gives 90%.
DELTA DENTAL, contract 0009107. For the contract year on this filing, the carrier reported $703,677 in premium earned and $654,859 in claims incurred. Dividing one by the other gives 93%.
VISION SERVICE PLAN, contract 30051650. For the contract year on this filing, the carrier reported $87,896 in premium earned and $69,464 in claims incurred. Dividing one by the other gives 79%.
- BLUECROSS BLUESHIELD OF OKLAHOMA, contract 848300 reported $479,656 in retention.
- DELTA DENTAL, contract 0009107 reported $56,861 in retention.
- VISION SERVICE PLAN, contract 30051650 reported $18,674 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. 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
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