Welfare broker

JAMES R THOMAS SR

Mailing address (most recent filing)

1 E FRANKLIN ST

STE 300

BALTIMORE, MD 21202

Total comp: $24K
Commissions: $24K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$543K	100.0%

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	1	$543K	0.1%	71.90x

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 JAMES R THOMAS SR's plans by broker comp / premium ratio. Median 13.05% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

1-1 of 1 sponsor where JAMES R THOMAS SR is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
JOHNS HOPKINS UNIVERSITY JOHNS HOPKINS UNIVERSITY LEARNERS' WELFARE PLAN	MD	$543K	$71K	UNUM LIFE INSURANCE COMPANY OF AMERICA