Membership in the Relief Department of the Baltimore & Ohio is compulsory on the part of all employed in the direct operation of the road. The employees themselves have part in the direction of the affairs of the organization. The company makes all collections and payments, under its guarantee of responsibility for every penny coming into or going out through its hands. The company also pledges itself to pay four per cent interest on the monthly balances of current accounts; no charge is made for office rent, and all the facilities of the road are at command, without cost. Operating expenditure is thus reduced to a minimum, and upon transactions during the year 1906-1907, which represented a million dollars distributed in benefits, the expense averaged but a dollar and sixty-eight cents per capita of membership. The aggregate of the benefits paid from the founding of the Relief to the close of the year 1906-1907, was thirteen millions of dollars.
The Baltimore & Ohio plan for pension payments, in vogue for the past twenty-three years, is in conjunction with the Relief Department, but is not, as that is, maintained by the contributions of employees. The pension system is maintained entirely by the company, which contributes for the purpose about $90,000 annually. During the year 1906-1907 the fund paid in pensions was over $95,000, to about
