Insurance carrier

HEALTH COMPASS INC.

health: 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
CA	1	$242K	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 HEALTH COMPASS INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where HEALTH COMPASS INC. is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
HOME GUARDIAN ANGELS INC HOME GUARDIAN ANGELS INC WELFARE BENEFITS PLAN	CA	$242K	179	fully insured	PJV ENTERPRISES LLC