Pioneer Telephone - Health & Welfare
Updated Filing received by DOL
Pioneer Telephone - Health & Welfare, an information & publishing employer in Kingfisher, Oklahoma, reported 684 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $7.3M in insurance premiums across 7 contracts and $195,200 in broker commissions and fees, 0.8% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 11, 2026, 147 days after the extended deadline.
Who was paid on Pioneer Telephone - Health & Welfare's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Pioneer Telephone - Health & Welfare filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ryan Benefits Inc. · Plano, TX | $135,646 | $0 | $135,646 | 6 |
| Stealth Partner Group LLC · Scottsdale, AZ | $43,550 | $16,004 | $59,554 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross Blue Shield of Oklahomahealth | 1,196 | $5.0M | $40,225 | 0.8% |
| Sun Life Assurance Company of Canadastop-loss | 655 | $803,239 | $59,554 | 7.4% |
| Delta Dentaldental | 653 | $703,677 | $8,043 | 1.1% |
| Unitedhealthcare Insurance Companyprescription drug | 323 | $626,871 | $21,606 | 3.4% |
| Texas Life Insurance Companylife | 258 | $98,707 | — | — |
| Vision Service Planvision | 659 | $87,896 | $2,414 | 2.7% |
| Sun Life Assurance Company of Canadalife, long-term disability | 459 | — | $63,358 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Pioneer Telephone - Health & Welfare compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $4,204 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 727 | 684 | −5.9% |
| Premiums filed | $8,456,986 | $7,348,294 | −13.1% |
| Broker commissions + fees | $187,414 | $195,200 | +4.2% |
| Commission rate | 0.7% | 0.8% | +0.1 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Pioneer Telephone Cooperative, Inc. Employee Benefits Plan#501 · filed under DFVCP · insurance, trust | December 31, 2024 | March 11, 2026 | 147 days late | 684 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Pioneer Telephone - Health & Welfare pay in health insurance broker commissions in 2024?
Pioneer Telephone - Health & Welfare's 2024 Form 5500 reports $195,200 in broker commissions and fees across 7 insurance contracts ($179,196 in commissions, $16,004 in fees), with Ryan Benefits Inc. receiving the largest share.
Is Pioneer Telephone - Health & Welfare's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Oklahoma.
How does Pioneer Telephone - Health & Welfare's broker compensation compare with similar employers?
Pioneer Telephone - Health & Welfare paid 0.8% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Oklahoma is 1.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.