Insurance carrier

CITIZENS SECURITY LIFE INSURANCE COMPANY

dental: 10vision: 6

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
WV	1	$153K	0.2%	138.21x
PA	1	$101K	0.0%	11.99x

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 CITIZENS SECURITY LIFE INSURANCE COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where CITIZENS SECURITY LIFE INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
CHILDREN'S HOME SOCIETY OF WEST VIRGINIA, INC. CHILDREN'S HOME SOCIETY OF WEST VIRGINIA VOLUNTARY INSURANCE PLAN	WV	$153K	309	fully insured	MUNDELL FINANCIAL GROUP
MARTHA LLOYD SCHOOL, INC. MARTHA LLOYD SCHOOL, INC. GROUP INSURANCE PLAN	PA	$101K	205	fully insured	KEVIN KOZIOL