Welfare broker

FOSTERTHOMAS, INC.

Mailing address (most recent filing)

181 HARRY S TRUMAN PARKWAY

SUITE 110

ANNAPOLIS, MD 21401

Total comp: $1.2M
Commissions: $1.0M
Fees: $222K
Filings: 19
Sponsors: 19

Carrier mix

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

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%
GROUP HOSPITALIZATION MEDICAL SERVICES, INC.33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$344K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$663K	33.3%
GROUP HOSPITALIZATION MEDICAL SERVICES, INC.	1	$4.1M	33.3%

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
NY	2	$4.5M	0.0%	13.21x
MD	1	$663K	0.1%	23.97x

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 FOSTERTHOMAS, INC.'s plans by broker comp / premium ratio. Median 17.34% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where FOSTERTHOMAS, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
2 CIRCLE INCORPORATED CIGNA HEALTH	MD	$663K	$730K	CIGNA HEALTH AND LIFE INSURANCE COMAPNY
WELOCALIZE MEDICAL	NY	$4.1M	$199K	GROUP HOSPITALIZATION MEDICAL SERVICES, INC
WELOCALIZE DENTAL, LIFE, DISABILITY & VOLUNTARY BENEFITS	NY	$344K	$60K	GUARDIAN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$344K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$663K

33.3%

GROUP HOSPITALIZATION MEDICAL SERVICES, INC.

$4.1M

33.3%

State

Plans

Premium

State share

Index

$4.5M

0.0%

13.21x

$663K

0.1%

23.97x

Sponsor

Loc

Premium

Comp

Carrier

2 CIRCLE INCORPORATED

CIGNA HEALTH

$663K

$730K

CIGNA HEALTH AND LIFE INSURANCE COMAPNY

WELOCALIZE

MEDICAL

$4.1M

$199K

GROUP HOSPITALIZATION MEDICAL SERVICES, INC

WELOCALIZE

DENTAL, LIFE, DISABILITY & VOLUNTARY BENEFITS

$344K

$60K

GUARDIAN LIFE INSURANCE COMPANY