Insurance carrier

EFR EMPLOYEE & FAMILY RESOURCES

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

No benefit-line contracts on file for EFR EMPLOYEE & FAMILY RESOURCES.

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
IA	1	$9K	0.1%	52.62x
CA	1	$2K	0.0%	6.38x

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 EFR EMPLOYEE & FAMILY RESOURCES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where EFR EMPLOYEE & FAMILY RESOURCES is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
NORTHWEST FINANCIAL CORP. NORTHWEST FINANCIAL CORPORATION EAP PLAN	IA	$9K	447	fully insured	—
GUIDED DISCOVERIES, INC. GUIDED DISCOVERIES EAP PLAN	CA	$2K	150	fully insured	—