Insurance carrier

CALIFORNIA PHYSICIANS SERVICE

Total premium: $3.05B
Filings: 1,080
Sponsors: 1,080
Covered lives: 442,336
Market share: 1.05%

health: 966dental: 277vision: 175life: 5ltd: 1drug: 927

Funding-model mix

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

Fully insured45690.3%
Mixed479.3%
MEWA20.4%

Benefit-line mix

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

Health96641.1%
Prescription drug92739.4%
Dental27711.8%
Vision1757.4%
Life50.2%
Long-term disability10.0%

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
CA	492	$2.14B	5.4%	12.43x
WA	2	$303.9M	0.1%	0.24x
NJ	2	$5.9M	0.1%	0.18x
AZ	2	$5.3M	0.1%	0.34x
UT	1	$2.0M	0.1%	0.26x
TX	1	$1.2M	0.0%	0.03x
NY	1	$1.3M	0.0%	0.04x
NV	1	$3.0M	0.2%	0.45x
MO	1	$2.1M	0.0%	0.04x
FL	1	$2.0M	0.0%	0.05x

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

501-505 of 505 sponsors where CALIFORNIA PHYSICIANS SERVICE is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
MASTROIANNI FAMILY ENTERPRISES LTD MASTROIANNI FAMILY ENTERPRISES LTD HEALTH AND WELFARE PLAN	CA	$406K	106	mixed	DIGITAL INSURANCE LLC
INNOVATIVE SKINCARE INNOVATIVE SKINCARE WELFARE BENEFITS PLAN	CA	$389K	209	fully insured	GALLAGHER BENEFIT SERVICES, INC.
SPECIALTY EQUIPMENT MARKET ASSOCIATION SEMA HEALTH AND WELFARE BENEFITS PLAN	CA	$172K	220	fully insured	IMA, INC.
CALIFORNIA SCHOOL EMPLOYEES ASSOCIATION CALIFORNIA SCHOOL EMPLOYEES ASSOCIATION DISABILITY PLAN	CA	$105K	273	fully insured	—
CALIFORNIA PHYSICIANS SERVICE & SUBSIDIARIES BLUE SHIELD OF CALIFORNIA RETIREE HEALTH BENEFIT PLAN	CA	$0	0	fully insured	—

State

Plans

Premium

State share

Index

492

$2.14B

5.4%

12.43x

$303.9M

0.1%

0.24x

$5.9M

0.1%

0.18x

$5.3M

0.1%

0.34x

$2.0M

0.1%

0.26x

$1.2M

0.0%

0.03x

$1.3M

0.0%

0.04x

$3.0M

0.2%

0.45x

$2.1M

0.0%

0.04x

$2.0M

0.0%

0.05x

Sponsor

Loc

Premium

Covered

Funding

Broker

MASTROIANNI FAMILY ENTERPRISES LTD

MASTROIANNI FAMILY ENTERPRISES LTD HEALTH AND WELFARE PLAN

$406K

106

mixed

DIGITAL INSURANCE LLC

INNOVATIVE SKINCARE

INNOVATIVE SKINCARE WELFARE BENEFITS PLAN

$389K

209

fully insured

GALLAGHER BENEFIT SERVICES, INC.

SPECIALTY EQUIPMENT MARKET ASSOCIATION

SEMA HEALTH AND WELFARE BENEFITS PLAN

$172K

220

fully insured

IMA, INC.

CALIFORNIA SCHOOL EMPLOYEES ASSOCIATION

CALIFORNIA SCHOOL EMPLOYEES ASSOCIATION DISABILITY PLAN

$105K

273

fully insured

—

CALIFORNIA PHYSICIANS SERVICE & SUBSIDIARIES

BLUE SHIELD OF CALIFORNIA RETIREE HEALTH BENEFIT PLAN

fully insured

—