Insurance carrier

BCS FINANCIAL CORPORATION

health: 6dental: 3vision: 3drug: 2stopLoss: 2

Funding-model mix

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

Benefit-line mix

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

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	$514K	0.0%	8.36x
NE	1	$502K	0.1%	80.46x

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 BCS FINANCIAL CORPORATION's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where BCS FINANCIAL CORPORATION is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
EFFEX MANAGEMENT SOLUTIONS, LLC EFFEX MANAGEMENT SOLUTIONS, LLC ESSENTIAL STAFF CARE	TX	$514K	654	fully insured	INSURANCE APPLICATIONS GROUP
FARMERS COOPERATIVE FARMERS COOPERATIVE HEALTH CARE PLAN	NE	$502K	948	mixed	GROUP MARKETING SERVICES