Welfare broker

MICHAEL PANNUTO

Mailing address (most recent filing)

45445 MOUND RD STE 102

UTICA, MI 48317

Total comp: $126K
Commissions: $96K
Fees: $30K
Filings: 3
Sponsors: 3

Carrier mix

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

UNITEDHEALTHCARE INSURANCE COMPANY50.0%
BLUE CARE NETWORK OF MICHIGAN50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.3M	50.0%
BLUE CARE NETWORK OF MICHIGAN	1	$970K	50.0%

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
MI	2	$2.3M	0.1%	41.16x

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 MICHAEL PANNUTO's plans by broker comp / premium ratio. Median 6.18% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

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

1-2 of 2 sponsors where MICHAEL PANNUTO is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
D&N BENDING CORPORATION D&N BENDING HEALTH & WELFARE BENEFIT PLAN	MI	$1.3M	$71K	UNITEDHEALTHCARE INSURANCE COMPANY
L.V. MANAGEMENT, INC. L.V. MANAGEMENT, INC. EMPLOYEE INSURANCE PLAN	MI	$970K	$68K	BLUE CARE NETWORK OF MICHIGAN

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$1.3M

50.0%

BLUE CARE NETWORK OF MICHIGAN

$970K

50.0%

State

Plans

Premium

State share

Index

$2.3M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

D&N BENDING CORPORATION

D&N BENDING HEALTH & WELFARE BENEFIT PLAN

$1.3M

$71K

UNITEDHEALTHCARE INSURANCE COMPANY

L.V. MANAGEMENT, INC.

L.V. MANAGEMENT, INC. EMPLOYEE INSURANCE PLAN

$970K

$68K

BLUE CARE NETWORK OF MICHIGAN