Welfare broker

PONTIOUS, MICHAEL

Mailing address (most recent filing)

424 WILLIAM STREET

WILLIAMSPORT, PA 17701

Total comp: $19K
Commissions: $19K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where PONTIOUS, MICHAEL 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	1	$782K	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	1	$782K	0.0%	24.10x

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 PONTIOUS, MICHAEL's plans by broker comp / premium ratio. Median 3.62% vs welfare-wide median 6.31% (n=1).

Prospect-flag exposure · vs market baseline

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

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

Sponsor	Loc	Premium	Comp	Carrier
FAMILIES UNITED NETWORK INC. FAMILIES UNITED NETWORK INC. WELFARE BENEFIT PLAN	PA	$782K	$28K	HIGHMARK INC.