| 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 | $24K | — | $24K | 7.28% |
| J R THOMAS, JR3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 7.07% |
| HENRY B THOMAS3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 7.07% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.80% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $26K | $26K | 9.24% |
| JAMES R THOMAS SR3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $25 | $12K | 4.42% |
| J RICHARD THOMAS3 Filed as: J RICHARD THOMAS JR. | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 4.30% |
| HENRY B THOMAS3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 4.30% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.80% |
| JAMES R THOMAS SR3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.77% |
| J R THOMAS, JR3 Filed as: J R THOMAS JR | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.74% |
| HENRY B THOMAS3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.74% |
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 | 3,582 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,118 | $204K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,110 | $280K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,762 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,118 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.