West Kentucky Rural Electric Co-Op Corporation
Updated Filing received by DOL
West Kentucky Rural Electric Co-Op Corporation, an utilities employer in Mayfield, Kentucky, reported 109 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $119,989 in insurance premiums across 4 contracts and $26,653 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 23, 2026, within the extension window.
Who was paid on West Kentucky Rural Electric Co-Op Corporation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract West Kentucky Rural Electric Co-Op Corporation filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Houchens Insurance Group, Inc. · Bowling Green, KY | $16,343 | $822 | $17,165 | 3 |
| Jeffrey D. Harned · Louisville, KY | $2,337 | $1,585 | $3,922 | 1 |
| Bilodeau, Inc. · Goshen, KY | $1,360 | $1,635 | $2,995 | 1 |
| William Jack Mitchell, JR. · North Platte, NE | $746 | $92 | $838 | 1 |
| AssuredPartners · Louisville, KY | $723 | $0 | $723 | 1 |
| RTR Al Corp and Various Agents · Louisville, KY | $500 | $60 | $560 | 1 |
| Megan Goodman · Sellersberg, IN | $448 | $0 | $448 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Delta Dental of Kentuckydental | 359 | $119,989 | $12,100 | 10.1% |
| Vision Service Planvision | 114 | — | $1,027 | — |
| Colonial Life and Accident Insurance Companycoverage not coded | 59 | — | $13,526 | — |
| U.S. Fire Insurance Companycoverage not coded | 97 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How West Kentucky Rural Electric Co-Op Corporation 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.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 113 | 109 | −3.5% |
| Premiums filed | $121,184 | $119,989 | −1.0% |
| Broker commissions + fees | $24,168 | $26,653 | +10.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| West Kentucky Rural Electric Cooperative Corporation#501 · insurance, general assets | December 31, 2025 | September 23, 2026 | within extension | 109 |
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 West Kentucky Rural Electric Co-Op Corporation pay in health insurance broker commissions in 2025?
West Kentucky Rural Electric Co-Op Corporation's 2025 Form 5500 reports $26,653 in broker commissions and fees across 4 insurance contracts ($22,458 in commissions, $4,195 in fees), with Houchens Insurance Group, Inc. receiving the largest share.
Is West Kentucky Rural Electric Co-Op Corporation's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does West Kentucky Rural Electric Co-Op Corporation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for West Kentucky Rural Electric Co-Op Corporation because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.