I would not expect large neutral losses in the rural areas.
An estimated demand of 3 KVA at 230 volts is 13 amps.
If the customers are evenly distributed, the neutral currents will cancel after three connections. The neutral current could be expected to be a maximum of 13 amps. (13 amps added vectorially to 13 amps, 120 degrees displaced, is 13 amps.)
Compare this to the line current, make an allowance for smaller sized neutral conductors, and then decide if you want to continue with a full survey.
Look for places where the load is NOT balanced.
I would send a technician out with a clamp-on ammeter on a pole to check neutral currents in any area where uneven loading is suspected.
We do not usually run single phase i.e the LV lines are 3-phase and a neutral with the loads distributed along the length of the feeder.
As long as you can maintain this criterea, I doubt that the neutral losses will be significant.
One place that I would expect significant losses would be long, undersized service drops. You will get losses on both the hot wire and the neutral. If you can move the meters to the poles, then the customers will pay for these losses.
respectfully