Insurance carrier

5STAR LIFE INSURANCE COMPANY

Total premium: $4.4M
Filings: 42
Sponsors: 42
Covered lives: 15,890
Market share: 0.00%

vision: 1life: 41std: 1

Funding-model mix

The strategic axis. Fully-insured carriers underwrite the risk; ASO/self-funded carriers admin only. MEWA = multi-employer welfare arrangement.

Mixed266.7%
Fully insured133.3%

Benefit-line mix

Contract counts by benefit type. Monoline carriers concentrate in one wedge; full-suite carriers spread across many.

Life4195.3%
Vision12.3%
Short-term disability12.3%

Top states · with penetration index

Plan count by state. Index > 1.0 means over-indexed vs the national share; the carrier dominates that state.

State	Plans	Premium	State share	Index
TX	1	$55K	0.0%	5.57x
OH	1	$41K	0.0%	2.57x
AL	1	$40K	0.1%	35.93x

Top industries by premium

NAICS-2 sectors where this carrier writes the most welfare premium.

Sponsor-size mix

Plan count by total participants. Mid-market sales motion vs jumbo enterprise looks completely different.

Prospect-flag exposure · vs market baseline

Share of 5STAR LIFE INSURANCE COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where 5STAR LIFE INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
EDUCATION CREDIT UNION MEDICAL	TX	$55K	230	mixed	INSURICA, INC.
BOARD OF TRUSTEES OF LOCAL 1 WELFARE FUND NO. 1 SERVICE EMPLOYEES INTERNATIONAL UNION LOCAL 1 CLEVELAND WELFARE FUND	OH	$41K	475	mixed	RM BENEFIT CONSULTANTS
BANK INDEPENDENT BANK INDEPENDENT 5STAR	AL	$40K	119	fully insured	MICHAEL HUNTER

State

Plans

Premium

State share

Index

$55K

0.0%

5.57x

$41K

0.0%

2.57x

$40K

0.1%

35.93x

Sponsor

Loc

Premium

Covered

Funding

Broker

EDUCATION CREDIT UNION

MEDICAL

$55K

230

mixed

INSURICA, INC.

BOARD OF TRUSTEES OF LOCAL 1 WELFARE FUND NO. 1

SERVICE EMPLOYEES INTERNATIONAL UNION LOCAL 1 CLEVELAND WELFARE FUND

$41K

475

mixed

RM BENEFIT CONSULTANTS

BANK INDEPENDENT

BANK INDEPENDENT 5STAR

$40K

119

fully insured

MICHAEL HUNTER