Insurance carrier

GULF GUARANTY LIFE

health: 16drug: 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
MS	1	$196K	0.2%	124.24x
AL	1	$88K	0.1%	53.89x

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

1-2 of 2 sponsors where GULF GUARANTY LIFE is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
ELLIS STEEL COMPANY, INC ELLIS STEEL COMPANY INC. MEDICAL BRIDGE PLAN	MS	$196K	278	fully insured	GCM INSURANCE AGENCY INC
FRANKLIN STRUCTURES, LLC FRANKLIN HOMES	AL	$88K	200	fully insured	CNL ENTERPRISES, INC.