Insurance carrier

DUBRASKI AND ASSOCIATES INSURANCE SERVICES LLC

stopLoss: 1

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
WI	1	$349K	0.0%	53.08x

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 DUBRASKI AND ASSOCIATES INSURANCE SERVICES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where DUBRASKI AND ASSOCIATES INSURANCE SERVICES LLC is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
MARSHFIELD CLINIC HEALTH SYSTEM, INC. MARSHFIELD HEALTH PLAN	WI	$349K	6,084	self funded	—