Insurance carrier

BENISTAR

health: 7drug: 12

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
OH	1	$695K	0.0%	3.86x
IL	1	$936K	0.0%	14.24x

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

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

Sponsor	Loc	Premium	Covered	Funding	Broker
FLEXIBLE STEEL LACING COMPANY FLEXIBLE STEEL LACING COMPANY HEALTH AND WELFARE PLAN	IL	$936K	1,152	mixed	LOCKTON COMPANIES, LLC
THE COLLEGE OF WOOSTER THE COLLEGE OF WOOSTER MEDICAL AND LIFE INSURANCE PLAN FOR CERTAIN RETIRED EMPLOYEES	OH	$695K	226	fully insured	SILBERSTEIN INSURANCE GROUP LLC