Welfare broker

STEPHEN RAUSCHERT

Mailing address (most recent filing)

5797 HARVEY ST STE A

MUSKEGON, MI 49444

Total comp: $322K
Commissions: $322K
Fees: $0
Filings: 10
Sponsors: 10

Carrier mix

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

PRIORITY HEALTH100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
PRIORITY HEALTH	3	$3.0M	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
MI	3	$3.0M	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 STEPHEN RAUSCHERT's plans by broker comp / premium ratio. Median 5.67% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

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

1-3 of 3 sponsors where STEPHEN RAUSCHERT is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MOTION DYNAMICS MOTION DYNAMICS	MI	$1.4M	$104K	PRIORITY HEALTH
MUSKEGON SURGICAL ASSOCIATES, P.C. MUSKEGON SURGICAL ASSOCIATES P.C. HEALTH & WELFARE	MI	$899K	$51K	PRIORITY HEALTH
PHOENIX COMPOSITE SOLUTIONS LLC PHOENIX COMPOSITE SOLUTIONS LLC	MI	$701K	$34K	PRIORITY HEALTH