Welfare broker

MICHAEL PONTIOUS

Mailing address (most recent filing)

424 WILLIAM STREET

WILLIAMSPORT, PA 17701

Total comp: $167K
Commissions: $167K
Fees: $0
Filings: 3
Sponsors: 3

Carrier mix

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

BLUE CROSS OF CALIFORNIA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
BLUE CROSS OF CALIFORNIA	2	$7.1M	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
PA	2	$7.1M	0.0%	24.17x

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 PONTIOUS's plans by broker comp / premium ratio. Median 3.87% vs welfare-wide median 6.40% (n=2).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
KEYSTONE CLEARWATER SOLUTIONS, LLC KEYSTONE CLEARWATER SOLUTIONS, LLC EMPLOYEE BENEFIT PLAN	PA	$4.7M	$201K	HIGHMARK, INC.
NORTH PENN COMPREHENSIVE HEALTH SERVICES NORTH PENN COMPREHENSIVE HEALTH SERVICES EMPLOYEE BENEFIT PLAN	PA	$2.4M	$83K	HIGHMARK INC