Welfare broker

SOUTHWESTERN MONTANA FINANCIAL CENT

Mailing address (most recent filing)

14 POLLYWOG LANE

BELGRADE, MT 59714

Total comp: $84K
Commissions: $84K
Fees: $156
Filings: 5
Sponsors: 5

Carrier mix

Where SOUTHWESTERN MONTANA FINANCIAL CENT places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

BLUE CROSS OF CALIFORNIA66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$2.5M	66.7%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$54K	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MT	3	$2.6M	1.1%	434.38x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of SOUTHWESTERN MONTANA FINANCIAL CENT's plans by broker comp / premium ratio. Median 3.82% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of SOUTHWESTERN MONTANA FINANCIAL CENT's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where SOUTHWESTERN MONTANA FINANCIAL CENT is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BILLINGS FLYING SERVICE, INC. BILLINGS FLYING SERVICE	MT	$1.7M	$64K	BLUE CROSS BLUE SHIELD OF MONTANA
ATOSKE HOLDING COMPANY ATOSKE HOLDING COMPANY FLEXIBLE BENEFITS PLAN	MT	$870K	$31K	BLUE CROSS BLUE SHIELD
ATOSKE HOLDING COMPANY ATOSKE HOLDING COMPANY	MT	$54K	$5K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

BLUE CROSS OF CALIFORNIA

$2.5M

66.7%

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$54K

33.3%

State

Plans

Premium

State share

Index

$2.6M

1.1%

434.38x

Sponsor

Loc

Premium

Comp

Carrier

BILLINGS FLYING SERVICE, INC.

BILLINGS FLYING SERVICE

$1.7M

$64K

BLUE CROSS BLUE SHIELD OF MONTANA

ATOSKE HOLDING COMPANY

ATOSKE HOLDING COMPANY FLEXIBLE BENEFITS PLAN

$870K

$31K

BLUE CROSS BLUE SHIELD

ATOSKE HOLDING COMPANY

$54K

$5K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA