Nonprofit · EIN 84-0955267
WESTERN GUARANTY FUND SERVICES
Tax-exempt · DENVER, CO 80222
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $2,662,496 | $2,662,496 | $0 | $850,669 | $850,669 | $0 |
| December 31, 2024 | 990 | $2,650,520 | $2,650,520 | $0 | $931,547 | $931,547 | $0 |
| December 31, 2023 | 990 | $2,281,075 | $2,281,075 | $0 | $1,069,171 | $1,069,171 | $0 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $2,662,496
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $549,860
- Other salaries and wages
- $1,091,974
- Salaries, compensation and benefits (total)
- $2,011,458
- Professional fundraising fees
- $0
- Legal fees
- $20,450
- Accounting fees
- $16,812
- Occupancy
- $126,751
- Travel
- $41,424
- Depreciation
- $21,660
- Program services (functional)
- $2,396,246
- Management and general (functional)
- $266,250
Balance sheet and other
- Total assets, start of year
- $931,547
- Total assets, end of year
- $850,669
- Total liabilities, end of year
- $850,669
- Net assets, end of year
- $0
- Land, buildings and equipment
- $50,796
- Gross receipts
- $2,662,496
- Employees
- 14
- Volunteers
- 0
- Year formed
- 1986
- State of legal domicile
- CO
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Chad Anderson | President Officer | 50 | $264,830 | $49,879 |
| Lorraine Segedie | Controller/CFO Officer | 50 | $203,067 | $32,084 |
| Alex Rambau | IT/Admin Manager Highest-paid employee | 50 | $186,393 | $20,948 |
| Claudia Renegar | Claim Manager Highest-paid employee | 50 | $139,413 | $26,484 |
| Chris Brown rep for KS | Board Chair Trustee or director | 1 | $0 | $0 |
| Kim Decker rep for CO | Board Vice-Chair Trustee or director | 1 | $0 | $0 |
| Brennan Neville rep for NE | Board Member Trustee or director | 1 | $0 | $0 |
| John Graham rep for ID | Board Member Trustee or director | 1 | $0 | $0 |
| Kerri Bekker rep for MT | Board Member Trustee or director | 1 | $0 | $0 |
| John Hedegard rep for WA | Board Member Trustee or director | 1 | $0 | $0 |
| Troy Lumaye rep for WY | Board Member Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Chad Anderson | President Officer | 50 | $255,140 | $47,261 |
| Lorraine Segedie | Controller/CFO Officer | 50 | $195,428 | $30,867 |
| Alex Rambau | IT/Admin Manager Highest-paid employee | 50 | $179,411 | $19,660 |
| Claudia Renegar | Claim Manager Highest-paid employee | 50 | $133,275 | $25,444 |
| Chris Brown rep for KS | Board Chair Trustee or director | 1 | $0 | $0 |
| Kim Decker rep for CO | Board Vice-Chair Trustee or director | 1 | $0 | $0 |
| Brennan Neville rep for NE | Board Member Trustee or director | 1 | $0 | $0 |
| John Graham rep for ID | Board Member Trustee or director | 1 | $0 | $0 |
| Kerri Bekker rep for MT | Board Member Trustee or director | 1 | $0 | $0 |
| John Hedegard rep for WA | Board Member Trustee or director | 1 | $0 | $0 |
| Troy Lumaye rep for WY | Board Member Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Chad Anderson | President Officer | 50 | $230,375 | $45,317 |
| Lorraine Segedie | Controller Officer | 50 | $177,870 | $29,095 |
| Alex Rambau | IT/Admin Manager Highest-paid employee | 50 | $158,234 | $16,959 |
| Claudia Renegar | Claim Manager Highest-paid employee | 50 | $124,275 | $24,453 |
| Phil Joslin rep for ID | Board Chair Trustee or director | 1 | $0 | $0 |
| Chris Brown rep for KS | Board Vice-Chair Trustee or director | 0 | $0 | $0 |
| Kim Decker rep for CO | Board Member Trustee or director | 0 | $0 | $0 |
| Sam Clark rep for WY | Board Member Trustee or director | 0 | $0 | $0 |
| Kerri Bekker rep for MT | Board Member Trustee or director | 0 | $0 | $0 |
| Craig Posson rep for NE | Board Member Trustee or director | 0 | $0 | $0 |
| Trent Stoker rep for WA | Board Member Trustee or director | 0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1873 S BELLAIRE ST STE 920, DENVER, CO 80222-4386
- In care of
- % LORRAINE SEGEDIE
- Principal officer (990 for 2025)
- Chad Anderson, 1873 South Bellaire St, Ste 920, Denver, CO 80222
- Signed the 990
- Chad Anderson, President
- Phone
- (303) 759-5066
- Website
- www.wgfs.org
Mission
To provide exceptional management and administrative services to member guaranty associations, ensuring their statutory and operational duties are carried out, while managing the financial and operational risks of the member guaranty associations and Western Guaranty Fund Services.
Program accomplishments
- Western Guaranty Fund Services provides accounting, administration and management for seven property and casualty insurance guaranty associations. In total, over 8,500 checks were issued paying over $16 million to claimants and providers during 2025. At year end, there were 1,594 open claims with over $96 million in estimated future claim obligations.Expenses $2,396,246 · revenue $2,662,496
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 84-0955267
- Tax-exempt status
- 501(c)(6): Business league or chamber of commerce
- Donations deductible
- No
- Exempt since
- 1985
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $850,669
- Income (IRS master file)
- $2,662,496
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $2,662,496 | $2,662,496 | $850,669 | XML |
| 990 | December 2024 | $2,650,520 | $2,650,520 | $931,547 | XML |
| 990 | December 2023 | $2,281,075 | $2,281,075 | $1,069,171 | XML |
| 990 | December 2022 | $2,129,649 | $2,129,649 | $1,198,570 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 84-0955267).
Questions about WESTERN GUARANTY FUND SERVICES
- What is the EIN of WESTERN GUARANTY FUND SERVICES?
- The employer identification number (EIN) of WESTERN GUARANTY FUND SERVICES is 84-0955267.
- Is WESTERN GUARANTY FUND SERVICES tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(6) since 1985.
- Are donations to WESTERN GUARANTY FUND SERVICES tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does WESTERN GUARANTY FUND SERVICES file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of WESTERN GUARANTY FUND SERVICES due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did WESTERN GUARANTY FUND SERVICES last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of WESTERN GUARANTY FUND SERVICES?
- The 990 for the year ended December 31, 2025 names Chad Anderson.
- Who are the officers and directors of WESTERN GUARANTY FUND SERVICES?
- The 990 for the year ended December 31, 2025 lists 11 people; 4 received compensation from the organization, the highest $264,830 (Chad Anderson, President).
- How much revenue does WESTERN GUARANTY FUND SERVICES have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $2,662,496, expenses of $2,662,496 and total assets of $850,669 at year end.
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