| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R THOMAS SR3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 6.80% |
| HENRY B THOMAS3 | 702 GROVE PLACE VERO BEACH, FL 32963 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 6.60% |
| J R THOMAS, JR3 | 1200 BERWICK ROAD RUXTON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 6.60% |
| JAMES R THOMAS SR3 Filed as: JAMES THOMAS SR | 1 E. FRANKLIN ST STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.72% |
| HENRY B THOMAS3 | 702 GROVE PLACE VERO BEACH, FL 32963 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.70% |
| J R THOMAS, JR3 | 1200 BERWICK RD RUXTON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.70% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $35 | $35 | 13.57% |
| HENRY B THOMAS3 | 702 GROVE PLACE VERO BEACH, FL 32963 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.94% |
| J RICHARD THOMAS3 Filed as: RICHARD J THOMAS | 1200 BERWICK RD RUXTON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.94% |
| JAMES R THOMAS SR3 Filed as: JAMES RICHARD THOMAS | 1 E FRANKLIN ST STE 200 BALTIMORE, MD 21202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.94% |
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 | 2,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,202 | $211K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $258 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,813 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,202 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.