Insurance carrier

THE GAURDIAN LIFE INSURANCE COMPANY OF AMERICA

dental: 10vision: 10life: 9std: 9ltd: 7

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
TN	1	$147K	0.1%	64.91x

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 THE GAURDIAN LIFE INSURANCE COMPANY OF AMERICA's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where THE GAURDIAN LIFE INSURANCE COMPANY OF AMERICA is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
BLOOD ASSURANCE, INC. BLOOD ASSURANCE, INC. EMPLOYEE BENEFITS PLAN	TN	$147K	320	mixed	THE BALDWIN GROUP SOUTHEAST, LLC