| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENA MARIE GUAB3 Filed as: GENA MARIA GUAB | UNKNOWN BOZEMAN, MT 59718 | BLUE CROSS BLUE SHIELD OF MONTANA | $33K | $0 | $33K | 4.92% |
| ROCKY MOUNTAIN INSURANCE GROUP, LLC3 Filed as: ROCKY MOUNTAIN INSURANCE GROUP | 1039 STONERIDGE DRIVE, SUITE 4 BOZEMAN, MT 59718 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| NORTHERN ROCKIES FINANCIAL GROUP3 | 1014 SOUTH AVENUE WEST MISSOULA, MT 59801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | $0 | -$2 | -0.00% |
| WESTPAC WEALTH PARTNERS LLC3 | 1014 SOUTH AVENUE WEST MISSOULA, MT 59801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | $0 | -$2 | -0.00% |
| KELLY GARRETT SKAGGS3 | 1276 NORTH 15TH AVENUE, SUITE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $3K | $730 | $3K | 6.86% |
| JAMES DERRICK KAISER3 | 1276 NORTH 15TH AVENUE, SUITE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $3K | $730 | $3K | 6.86% |
| CASTRONOVO FINANCIAL GROUP INC3 | 1276 NORTH 15TH AVENUE, SUITE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $1K | $129 | $1K | 2.42% |
| ROCKY MOUNTAIN INSURANCE GROUP, LLC3 Filed as: ROCKY MOUNTAIN INSURANCE GROUP | 626 SOUTH FERGUSON AVENUE, SUITE 3 BOZEMAN, MT 59718 | VISION SERVICE PLAN | $47 | $0 | $47 | 0.47% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 167 | $680K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $64K |
| Vision | VISION SERVICE PLAN | 92 | $10K |
| Life insurance | NORTHWESTERN MUTUAL | 115 | $50K |
| Short-term disability | NORTHWESTERN MUTUAL | 115 | $50K |
| Long-term disability | NORTHWESTERN MUTUAL | 115 | $50K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 167 | $680K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.