Welfare broker

JAMES BARSA

Mailing address (most recent filing)

469 LIVINGSTON STREET

NORWOOD, NJ 076481340

Total comp: $904
Commissions: $904
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

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

PRINCIPAL LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRINCIPAL LIFE INSURANCE COMPANY	1	$10K	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
NJ	1	$10K	0.0%	46.37x

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 BARSA's plans by broker comp / premium ratio. Median 13.97% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
NY COMMUNITY FINANCIAL LLC NY COMMUNITY FINANCIAL LLC LIFE INSURANCE PLAN	NJ	$10K	$1K	PRINCIPAL LIFE INSURANCE COMPANY