Welfare broker

FOSTER THOMAS INC

Mailing address (most recent filing)

181 HARRY S. TRUMAN PKWY STE110

ANNAPOLIS, MD 21401

Carrier mix

Where FOSTER THOMAS INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	9	$268K	75.0%
UNUM LIFE INSURANCE COMPANY OF AMERICA	2	$61K	16.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.3M	8.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MD	9	$259K	0.6%	53.93x
VA	2	$70K	0.1%	7.65x
NY	1	$1.3M	0.0%	1.65x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of FOSTER THOMAS INC's plans by broker comp / premium ratio. Median 13.49% vs welfare-wide median 6.29% (n=12).

Prospect-flag exposure · vs market baseline

Share of FOSTER THOMAS INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-12 of 12 sponsors where FOSTER THOMAS INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COMMUNITY LABOR ADMINSTRATIVE SERVICES, INC COMMUNITY LABOR ADMINISTRATIVE SERVICES, INC. EMPLOYEE BENEFITS PLAN	NY	$1.3M	$328K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
AWIN, INC. AWIN, INC. SHORT TERM DISABILITY PLAN	MD	$71K	$12K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC. OPTIONAL LIFE-VOL LIFE	MD	$39K	$8K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC. SHORT TERM DISABILITY	MD	$52K	$5K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC. LIFE	VA	$38K	$4K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC. VISION	VA	$32K	$3K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC	MD	$11K	$3K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE UNUM LIFE	MD	$30K	$2K	UNUM LIFE INSURANCE COMPANY OF AMERICA
2 CIRCLE INCORPORATED 2 CIRCLE UNUM AD&D	MD	$30K	$2K	UNUM LIFE INSURANCE COMPANY OF AMERICA
2 CIRCLE INCORPORATED 2 CIRCLE VOLUNTARY CRITICAL ILLNESS	MD	$13K	$2K	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC. OPTIONAL AD&D	MD	$5K	$994	GUARDIAN
2 CIRCLE INCORPORATED 2 CIRCLE INC. GUARDIAN AD&D	MD	$7K	$753	GUARDIAN