| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENA MARIE GUAB3 | 626 SOUTH FERGUSON, SUITE 3 BOZEMAN, MT 59718 | BLUE CROSS BLUE SHIELD OF MONTANA | $68K | — | $68K | 3.98% |
| KELLY GARRETT SKAGGS3 | 1276 N 15TH AVE, STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $1K | $345 | $2K | 3.95% |
| JAMES DERRICK KAISER3 | 1276 N 15TH AVE - SUITE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $1K | $344 | $2K | 3.95% |
| CASTRONOVO FINANCIAL GROUP INC3 Filed as: CASTRONOVO FINANCIAL GROUP INC. | 1276 N 15TH AVE - STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $547 | $66 | $613 | 1.41% |
| JAMES DERRICK KAISER3 | 1276 N 15TH AVE - STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $2K | $490 | $2K | 6.36% |
| KELLY GARRETT SKAGGS3 Filed as: KELLY GARNETT SKAGGS | 1276 N 15TH AVE-STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $2K | $490 | $2K | 6.36% |
| CASTRONOVO FINANCIAL GROUP INC3 | 1276 N 15TH AVE - STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $778 | $93 | $871 | 2.28% |
| ROCKY MOUNTAIN INSURANCE GROUP, LLC3 Filed as: ROCKY MOUNTAIN INSURANCE GROUP LLC | 1039 STONERIDGE DRIVE-STE 4 BOZEMAN, MT 59718 | BLUECROSS BLUESHIELD OF MONTANA | $2K | — | $2K | 10.04% |
| KELLY GARRETT SKAGGS3 | 1276 N 15TH AVE - STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $486 | $207 | $693 | 7.94% |
| JAMES DERRICK KAISER3 | 1276 N 15TH AVE - STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $486 | $207 | $693 | 7.94% |
| CASTRONOVO FINANCIAL GROUP INC3 Filed as: CASTRONOVO FINANCIAL GROUP INC. | 1276 N 15TH AVE-STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL | $195 | $23 | $218 | 2.50% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 168 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 168 | $1.7M |
| Vision | BLUECROSS BLUESHIELD OF MONTANA | 168 | $16K |
| Life insurance | NORTHWESTERN MUTUAL | 173 | $9K |
| Short-term disability | NORTHWESTERN MUTUAL | 173 | $43K |
| Long-term disability | NORTHWESTERN MUTUAL | 173 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 168 | $1.7M |
| Other | NORTHWESTERN MUTUAL | 173 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.