Civic Intelligence

Benjamin R. Spiger, Dds PC.

Plan context: Great Divide Retirement Plan

EIN 26-3180115 • Helena, MT • 23 filings • 2 plans

3003 Cabernet DriveHelena, MT 59601
Current Snapshot

Latest Year

2025

2025 Participants

5

2025 Assets

$2,209,810

2025 Contributions

$133,100

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$2,372,200$1,186,100$0200920172025YearValue
$2,209,810Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

630200920172025YearValue
5Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202515$2,209,810$133,100$26,620iApproximate average salary by contribution assumption: employee only about $665,500 at 4% or $443,667 at 6%; with 50% employer match about $443,667 at 4% or $295,778 at 6%; with 100% employer match about $332,750 at 4% or $221,833 at 6%.
Great Divide Retirement Plan-5$2,209,810$133,100$26,620iApproximate average salary by contribution assumption: employee only about $665,500 at 4% or $443,667 at 6%; with 50% employer match about $443,667 at 4% or $295,778 at 6%; with 100% employer match about $332,750 at 4% or $221,833 at 6%.
202425$2,372,200$147,324$29,465iApproximate average salary by contribution assumption: employee only about $736,620 at 4% or $491,080 at 6%; with 50% employer match about $491,080 at 4% or $327,387 at 6%; with 100% employer match about $368,310 at 4% or $245,540 at 6%.
Great Divide Retirement Plan-3$1,832,168$91,749$30,583iApproximate average salary by contribution assumption: employee only about $764,575 at 4% or $509,717 at 6%; with 50% employer match about $509,717 at 4% or $339,811 at 6%; with 100% employer match about $382,288 at 4% or $254,858 at 6%.
Great Divide Dental Cash Balance Plan-5$540,032$55,575$11,115iApproximate average salary by contribution assumption: employee only about $277,875 at 4% or $185,250 at 6%; with 50% employer match about $185,250 at 4% or $123,500 at 6%; with 100% employer match about $138,938 at 4% or $92,625 at 6%.
202325$2,015,316$168,912$33,782iApproximate average salary by contribution assumption: employee only about $844,560 at 4% or $563,040 at 6%; with 50% employer match about $563,040 at 4% or $375,360 at 6%; with 100% employer match about $422,280 at 4% or $281,520 at 6%.
Great Divide Retirement Plan-5$1,588,397$105,733$21,147iApproximate average salary by contribution assumption: employee only about $528,665 at 4% or $352,443 at 6%; with 50% employer match about $352,443 at 4% or $234,962 at 6%; with 100% employer match about $264,333 at 4% or $176,222 at 6%.
Great Divide Dental Cash Balance Plan-5$426,919$63,179$12,636iApproximate average salary by contribution assumption: employee only about $315,895 at 4% or $210,597 at 6%; with 50% employer match about $210,597 at 4% or $140,398 at 6%; with 100% employer match about $157,948 at 4% or $105,298 at 6%.
202226$1,621,495$186,552$31,092iApproximate average salary by contribution assumption: employee only about $777,300 at 4% or $518,200 at 6%; with 50% employer match about $518,200 at 4% or $345,467 at 6%; with 100% employer match about $388,650 at 4% or $259,100 at 6%.
Great Divide Retirement Plan-6$1,303,870$107,424$17,904iApproximate average salary by contribution assumption: employee only about $447,600 at 4% or $298,400 at 6%; with 50% employer match about $298,400 at 4% or $198,933 at 6%; with 100% employer match about $223,800 at 4% or $149,200 at 6%.
Great Divide Dental Cash Balance Plan-6$317,625$79,128$13,188iApproximate average salary by contribution assumption: employee only about $329,700 at 4% or $219,800 at 6%; with 50% employer match about $219,800 at 4% or $146,533 at 6%; with 100% employer match about $164,850 at 4% or $109,900 at 6%.
202126$1,657,303$197,947$32,991iApproximate average salary by contribution assumption: employee only about $824,779 at 4% or $549,853 at 6%; with 50% employer match about $549,853 at 4% or $366,569 at 6%; with 100% employer match about $412,390 at 4% or $274,926 at 6%.
Great Divide Retirement Plan-6$1,387,273$96,878$16,146iApproximate average salary by contribution assumption: employee only about $403,658 at 4% or $269,106 at 6%; with 50% employer match about $269,106 at 4% or $179,404 at 6%; with 100% employer match about $201,829 at 4% or $134,553 at 6%.
Great Divide Dental Cash Balance Plan-6$270,030$101,069$16,845iApproximate average salary by contribution assumption: employee only about $421,121 at 4% or $280,747 at 6%; with 50% employer match about $280,747 at 4% or $187,165 at 6%; with 100% employer match about $210,560 at 4% or $140,374 at 6%.
202026$1,235,303$139,280$23,213iApproximate average salary by contribution assumption: employee only about $580,333 at 4% or $386,889 at 6%; with 50% employer match about $386,889 at 4% or $257,926 at 6%; with 100% employer match about $290,167 at 4% or $193,444 at 6%.
Great Divide Retirement Plan-6$1,090,864$84,596$14,099iApproximate average salary by contribution assumption: employee only about $352,483 at 4% or $234,989 at 6%; with 50% employer match about $234,989 at 4% or $156,659 at 6%; with 100% employer match about $176,242 at 4% or $117,494 at 6%.
Great Divide Dental Cash Balance Plan-6$144,439$54,684$9,114iApproximate average salary by contribution assumption: employee only about $227,850 at 4% or $151,900 at 6%; with 50% employer match about $151,900 at 4% or $101,267 at 6%; with 100% employer match about $113,925 at 4% or $75,950 at 6%.
201925$987,669$150,758$30,152iApproximate average salary by contribution assumption: employee only about $753,790 at 4% or $502,527 at 6%; with 50% employer match about $502,527 at 4% or $335,018 at 6%; with 100% employer match about $376,895 at 4% or $251,263 at 6%.
Great Divide Retirement Plan-5$926,381$89,470$17,894iApproximate average salary by contribution assumption: employee only about $447,350 at 4% or $298,233 at 6%; with 50% employer match about $298,233 at 4% or $198,822 at 6%; with 100% employer match about $223,675 at 4% or $149,117 at 6%.
Great Divide Dental Cash Balance Plan-5$61,288$61,288$12,258iApproximate average salary by contribution assumption: employee only about $306,440 at 4% or $204,293 at 6%; with 50% employer match about $204,293 at 4% or $136,196 at 6%; with 100% employer match about $153,220 at 4% or $102,147 at 6%.
201815$838,466$93,567$18,713iApproximate average salary by contribution assumption: employee only about $467,835 at 4% or $311,890 at 6%; with 50% employer match about $311,890 at 4% or $207,927 at 6%; with 100% employer match about $233,918 at 4% or $155,945 at 6%.
Great Divide Retirement Plan-5$838,466$93,567$18,713iApproximate average salary by contribution assumption: employee only about $467,835 at 4% or $311,890 at 6%; with 50% employer match about $311,890 at 4% or $207,927 at 6%; with 100% employer match about $233,918 at 4% or $155,945 at 6%.
201715$838,520$93,083$18,617iApproximate average salary by contribution assumption: employee only about $465,415 at 4% or $310,277 at 6%; with 50% employer match about $310,277 at 4% or $206,851 at 6%; with 100% employer match about $232,707 at 4% or $155,138 at 6%.
Great Divide Retirement Plan-5$838,520$93,083$18,617iApproximate average salary by contribution assumption: employee only about $465,415 at 4% or $310,277 at 6%; with 50% employer match about $310,277 at 4% or $206,851 at 6%; with 100% employer match about $232,707 at 4% or $155,138 at 6%.
201616$651,494$120,293$20,049iApproximate average salary by contribution assumption: employee only about $501,221 at 4% or $334,147 at 6%; with 50% employer match about $334,147 at 4% or $222,765 at 6%; with 100% employer match about $250,610 at 4% or $167,074 at 6%.
Great Divide Retirement Plan-6$651,494$120,293$20,049iApproximate average salary by contribution assumption: employee only about $501,221 at 4% or $334,147 at 6%; with 50% employer match about $334,147 at 4% or $222,765 at 6%; with 100% employer match about $250,610 at 4% or $167,074 at 6%.
201515$494,286$81,163$16,233iApproximate average salary by contribution assumption: employee only about $405,815 at 4% or $270,543 at 6%; with 50% employer match about $270,543 at 4% or $180,362 at 6%; with 100% employer match about $202,908 at 4% or $135,272 at 6%.
Great Divide Retirement Plan-5$494,286$81,163$16,233iApproximate average salary by contribution assumption: employee only about $405,815 at 4% or $270,543 at 6%; with 50% employer match about $270,543 at 4% or $180,362 at 6%; with 100% employer match about $202,908 at 4% or $135,272 at 6%.
201415$426,608$83,447$16,689iApproximate average salary by contribution assumption: employee only about $417,235 at 4% or $278,157 at 6%; with 50% employer match about $278,157 at 4% or $185,438 at 6%; with 100% employer match about $208,618 at 4% or $139,078 at 6%.
Great Divide Retirement Plan-5$426,608$83,447$16,689iApproximate average salary by contribution assumption: employee only about $417,235 at 4% or $278,157 at 6%; with 50% employer match about $278,157 at 4% or $185,438 at 6%; with 100% employer match about $208,618 at 4% or $139,078 at 6%.
201315$334,299$71,411$14,282iApproximate average salary by contribution assumption: employee only about $357,055 at 4% or $238,037 at 6%; with 50% employer match about $238,037 at 4% or $158,691 at 6%; with 100% employer match about $178,528 at 4% or $119,018 at 6%.
Great Divide Retirement Plan-5$334,299$71,411$14,282iApproximate average salary by contribution assumption: employee only about $357,055 at 4% or $238,037 at 6%; with 50% employer match about $238,037 at 4% or $158,691 at 6%; with 100% employer match about $178,528 at 4% or $119,018 at 6%.
201214$226,382$62,173$15,543iApproximate average salary by contribution assumption: employee only about $388,581 at 4% or $259,054 at 6%; with 50% employer match about $259,054 at 4% or $172,703 at 6%; with 100% employer match about $194,291 at 4% or $129,527 at 6%.
Great Divide Retirement Plan-4$226,382$62,173$15,543iApproximate average salary by contribution assumption: employee only about $388,581 at 4% or $259,054 at 6%; with 50% employer match about $259,054 at 4% or $172,703 at 6%; with 100% employer match about $194,291 at 4% or $129,527 at 6%.
201114$144,742$64,120$16,030iApproximate average salary by contribution assumption: employee only about $400,750 at 4% or $267,167 at 6%; with 50% employer match about $267,167 at 4% or $178,111 at 6%; with 100% employer match about $200,375 at 4% or $133,583 at 6%.
Great Divide Retirement Plan-4$144,742$64,120$16,030iApproximate average salary by contribution assumption: employee only about $400,750 at 4% or $267,167 at 6%; with 50% employer match about $267,167 at 4% or $178,111 at 6%; with 100% employer match about $200,375 at 4% or $133,583 at 6%.
201013$86,824$57,435$19,145iApproximate average salary by contribution assumption: employee only about $478,625 at 4% or $319,083 at 6%; with 50% employer match about $319,083 at 4% or $212,722 at 6%; with 100% employer match about $239,313 at 4% or $159,542 at 6%.
Great Divide Retirement Plan-3$86,824$57,435$19,145iApproximate average salary by contribution assumption: employee only about $478,625 at 4% or $319,083 at 6%; with 50% employer match about $319,083 at 4% or $212,722 at 6%; with 100% employer match about $239,313 at 4% or $159,542 at 6%.
200911$24,192$24,192$24,192iApproximate average salary by contribution assumption: employee only about $604,800 at 4% or $403,200 at 6%; with 50% employer match about $403,200 at 4% or $268,800 at 6%; with 100% employer match about $302,400 at 4% or $201,600 at 6%.
Great Divide Retirement Plan-1$24,192$24,192$24,192iApproximate average salary by contribution assumption: employee only about $604,800 at 4% or $403,200 at 6%; with 50% employer match about $403,200 at 4% or $268,800 at 6%; with 100% employer match about $302,400 at 4% or $201,600 at 6%.