Insurance carrier

AMERITAS LIFE INSURANCE CORP.

Total premium: $391.8M
Filings: 2,548
Sponsors: 2,548
Covered lives: 1,763,646
Market share: 0.13%

health: 76dental: 1,628vision: 1,972life: 46std: 34ltd: 8drug: 10stopLoss: 2

Funding-model mix

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

Mixed18962.6%
Fully insured11136.8%
MEWA20.7%

Benefit-line mix

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

Vision1,97252.2%
Dental1,62843.1%
Health762.0%
Life461.2%
Short-term disability340.9%
Prescription drug100.3%
Long-term disability80.2%
Stop-loss20.1%

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
NE	39	$20.0M	5.4%	20.78x
TX	36	$45.6M	0.5%	1.99x
NC	28	$70.8M	1.2%	4.42x
CA	13	$14.9M	0.1%	0.55x
WA	12	$2.3M	0.6%	2.45x
FL	12	$6.3M	0.3%	1.01x
PA	11	$2.1M	0.2%	0.87x
CO	11	$1.8M	0.8%	2.96x
VA	10	$4.5M	0.4%	1.52x
IL	9	$1.9M	0.2%	0.85x

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.

Premium per participant · vs market median

Median annual premium per participant on AMERITAS LIFE INSURANCE CORP.'s book vs the welfare-wide median, split by funding model.

Funding types with fewer than 5 plans suppressed (medians are unstable).

Prospect-flag exposure · vs market baseline

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

301-302 of 302 sponsors where AMERITAS LIFE INSURANCE CORP. is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
LIGHTNING SYSTEMS, INC. LIGHTNING SYSTEMS, INC. EMPLOYEE BENEFITS PLAN	CO	$0	165	mixed	—
HEALTHCARE SYSTEMS OF AMERICA CORP. HEALTHCARE SYSTEMS OF AMERICA CORP. AMERITAS PLAN	CA	$0	0	fully insured	—

State

Plans

Premium

State share

Index

$20.0M

5.4%

20.78x

$45.6M

0.5%

1.99x

$70.8M

1.2%

4.42x

$14.9M

0.1%

0.55x

$2.3M

0.6%

2.45x

$6.3M

0.3%

1.01x

$2.1M

0.2%

0.87x

$1.8M

0.8%

2.96x

$4.5M

0.4%

1.52x

$1.9M

0.2%

0.85x

Sponsor

Loc

Premium

Covered

Funding

Broker

LIGHTNING SYSTEMS, INC.

LIGHTNING SYSTEMS, INC. EMPLOYEE BENEFITS PLAN

165

mixed

—

HEALTHCARE SYSTEMS OF AMERICA CORP.

HEALTHCARE SYSTEMS OF AMERICA CORP. AMERITAS PLAN

fully insured

—