| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAIG E ASKELAND3 | 616 CENTRAL AVE GREAT FALLS, MT 59401 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $66 | $369 | $435 | — |
| GREGORY V CASTRONOVO3 | 1276 N 15TH AVE STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $109 | — | $109 | — |
| CASTRONOVO FINANCIAL GROUP INC3 Filed as: CASTRONOVO FNCL GP INC | 1276 N 15TH AVE STE 202 BOZEMAN, MT 59715 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $18 | $2 | $20 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES EIN 34-1479833 NONE | Direct payment from the plan; Investment advisory (participants); Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $54K |
| NORTHWESTERN MUTUAL LIFE INSURANCE EIN 39-0509570 NONE | Insurance mortality and expense charge; Direct payment from the plan Service code 50 | — | $11K |
| GILBERT CAPITAL GROUP EIN 01-0521996 NONE | Investment management; Direct payment from the plan Service code 28 | — | $7K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Direct payment from the plan; Securities brokerage; Float revenue; Securities brokerage commissions and fees; Shareholder servicing fees Service code 33 | — | $2K |
| CHARLES SCHWAB BANK EIN 42-1558009 NONE | Direct payment from the plan; Distribution (12b-1) fees; Investment management fees paid indirectly by plan; Trustee (directed); Other services Service code 25 | — | $3 |
| CHARLES SCHWAB & CO AND AFFILIATES | Shareholder servicing fees Service code 59 | — | $0 |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 114 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 3 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 5 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5 | — |
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."
No prospect flags tripped on this filing.