| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORKSITE STRATEGY GROUP LLC3 | 52 COURT STREET FREEHOLD, NY 07728 | CONTINENTAL AMERICAN INSURANCE COMPANY | $211K | — | $211K | 31.26% |
| CIVELLO INSURANCE CONSULTING GROUP3 | 5015 CAMPUSWOOD DRIVE SUITE 204 EAST SYRACUSE, NY 13057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | — | $37K | 5.42% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | — | $34K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVENUE 32ND FLOOR NEW YORK, NY 10166 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 3.97% |
| JASON SALLEMI3 | 302 MONROE STREET APT 4B HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.01% |
| WORKSITE STRATEGY GROUP LLC3 | 52 COURT STREET FREEHOLD, NJ 07728 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.00% |
| JASON SALLEMI3 Filed as: JASON SALEMI | 302 MONROE STREET APT 4B HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.00% |
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 | 1,780 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,780 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,780 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.