Insurance carrier

EMC NATIONAL LIFE

life: 17std: 2ltd: 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
IA	2	$100K	0.2%	70.15x
IN	1	$207K	0.0%	11.32x

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

1-3 of 3 sponsors where EMC NATIONAL LIFE is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
K. Z., INC. K. Z., INC. HEALTH AND WELFARE BENEFIT PLAN	IN	$207K	582	mixed	PHILLIP DOWTY
ON WITH LIFE, INC. ON WITH LIFE, INC. LIFE, AD&D, AND LTD PLAN	IA	$51K	162	fully insured	USI INSURANCE SERVICES LLC
FIRST STATE BANK FIRST STATE BANK GROUP TERM LIFE INSURANCE PLAN	IA	$49K	120	fully insured	TOWN & COUNTRY INSURANCE