Insurance carrier

FIDELIO INSURANCE COMPANY

Total premium: $14.4M
Filings: 7
Sponsors: 7
Covered lives: 15,844
Market share: 0.00%

dental: 7

Funding-model mix

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

Mixed266.7%
Fully insured133.3%

Benefit-line mix

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

Dental7100.0%

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
PA	2	$8.9M	0.0%	15.99x
NJ	1	$2.9M	0.0%	15.46x

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

1-3 of 3 sponsors where FIDELIO INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
INTERNATIONAL UNION OF OPERATING ENGINEERS WELFARE FUND OF EAST. PA & INTERNATIONAL UNION OF OPERATING ENGINEERS WELFARE FUND OF EASTERN PENNSYLVANIA AND DELAWARE	PA	$8.8M	4,799	mixed	KTP ADVISORS INC
IRON WORKERS DIST. COUNCIL PHILA. & VIC. WELFARE PLAN BOARD OF TRUSTEE IRON WORKERS DIST. COUNCIL PHILADELPHIA & VICINITY HEALTH BENEFITS PLAN	NJ	$2.9M	1,985	mixed	BOLTON PARTENRS INC
FRANKLIN BIOLABS, INC. FRANKLIN BIOLABS, INC. GROUP DENTAL PLAN	PA	$65K	99	fully insured	STERLING BENEFITS, LLC

State

Plans

Premium

State share

Index

$8.9M

0.0%

15.99x

$2.9M

0.0%

15.46x

Sponsor

Loc

Premium

Covered

Funding

Broker

INTERNATIONAL UNION OF OPERATING ENGINEERS WELFARE FUND OF EAST. PA &

INTERNATIONAL UNION OF OPERATING ENGINEERS WELFARE FUND OF EASTERN PENNSYLVANIA AND DELAWARE

$8.8M

4,799

mixed

KTP ADVISORS INC

IRON WORKERS DIST. COUNCIL PHILA. & VIC. WELFARE PLAN BOARD OF TRUSTEE

IRON WORKERS DIST. COUNCIL PHILADELPHIA & VICINITY HEALTH BENEFITS PLAN

$2.9M

1,985

mixed

BOLTON PARTENRS INC

FRANKLIN BIOLABS, INC.

FRANKLIN BIOLABS, INC. GROUP DENTAL PLAN

$65K

fully insured

STERLING BENEFITS, LLC