Insurance carrier

GRAVIE, INC.

Total premium: $92.8M
Filings: 58
Sponsors: 58
Covered lives: 6,569
Market share: 0.03%

health: 33drug: 10stopLoss: 27

Funding-model mix

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

Fully insured2242.3%
Self-funded (ASO)1732.7%
Mixed1325.0%

Benefit-line mix

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

Health3347.1%
Stop-loss2738.6%
Prescription drug1014.3%

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
TX	9	$38.6M	0.1%	2.89x
MO	4	$3.7M	0.1%	1.37x
IA	4	$15.9M	0.4%	8.09x
FL	4	$660K	0.1%	1.95x
OH	3	$4.0M	0.0%	0.45x
MN	3	$8.6M	0.1%	2.89x
MA	3	$3.9M	0.1%	2.67x
IL	3	$1.2M	0.1%	1.64x
CA	3	$114K	0.0%	0.74x
NJ	2	$7.9M	0.1%	1.78x

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.

Premium per participant · vs market median

Median annual premium per participant on GRAVIE, INC.'s book vs the welfare-wide median, split by funding model.

Funding types with fewer than 5 plans suppressed (medians are unstable).

Prospect-flag exposure · vs market baseline

Share of GRAVIE, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-52 of 52 sponsors where GRAVIE, INC. is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
JANWAY LOGISTICS LLC JANWAY LOGISTICS LLC WELFARE BENEFITS PLAN	AZ	$25K	12	self funded	DECISELY INSURANCE SERVICES INC
SHIPOOM, LLC SHIPOOM, LLC WELFARE BENEFITS PLAN	GA	$11K	9	mixed	DECISELY INSURANCE SERVICES INC

State

Plans

Premium

State share

Index

$38.6M

0.1%

2.89x

$3.7M

0.1%

1.37x

$15.9M

0.4%

8.09x

$660K

0.1%

1.95x

$4.0M

0.0%

0.45x

$8.6M

0.1%

2.89x

$3.9M

0.1%

2.67x

$1.2M

0.1%

1.64x

$114K

0.0%

0.74x

$7.9M

0.1%

1.78x

Sponsor

Loc

Premium

Covered

Funding

Broker

JANWAY LOGISTICS LLC

JANWAY LOGISTICS LLC WELFARE BENEFITS PLAN

$25K

self funded

DECISELY INSURANCE SERVICES INC

SHIPOOM, LLC

SHIPOOM, LLC WELFARE BENEFITS PLAN

$11K

mixed

DECISELY INSURANCE SERVICES INC