| 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 | $18K | — | $18K | 6.80% |
| J R THOMAS, JR3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 6.60% |
| HENRY B THOMAS3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 6.60% |
| JAMES R THOMAS SR3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.82% |
| J R THOMAS, JR3 Filed as: J R THOMAS JR | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.79% |
| HENRY B THOMAS3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.79% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $869 | $869 | 10.91% |
| JAMES R THOMAS SR3 Filed as: JAMES RICHARD THOMAS | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 21202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 3.11% |
| J RICHARD THOMAS3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 3.08% |
| HENRY B THOMAS3 | 210 ALLEGHENY AVE STE 300 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 3.08% |
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 | 2,646 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,097 | $165K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 135 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,755 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,097 | — |
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.