Insurance carrier

GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS

health: 4drug: 3

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
CA	2	$10.5M	0.0%	12.75x

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 GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
FRANK, RIMERMAN + CO. LLP FRANK, RIMERMAN + CO. LLP WELFARE BENEFIT PLAN	CA	$9.1M	877	fully insured	SEQUOIA BENEFITS & INS SVCS LLC
RAY STONE INCORPORATED RAY STONE INCORPORATED WELFARE BENEFITS PLAN	CA	$1.4M	175	mixed	ROBERT PAUL SBISA

State

Plans

Premium

State share

Index

$10.5M

0.0%

12.75x

Sponsor

Loc

Premium

Covered

Funding

Broker

FRANK, RIMERMAN + CO. LLP WELFARE BENEFIT PLAN

$9.1M

877

fully insured

SEQUOIA BENEFITS & INS SVCS LLC

RAY STONE INCORPORATED WELFARE BENEFITS PLAN

$1.4M

175

mixed

ROBERT PAUL SBISA