Insurance carrier

HEALTHJOY

health: 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
IN	2	$11K	0.1%	13.59x
UT	1	$0	0.1%	26.29x
MO	1	$0	0.0%	3.57x
ME	1	$0	0.3%	59.25x

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

1-5 of 5 sponsors where HEALTHJOY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
WINGS ETC., INC. WINGS ETC., INC. HEALTHJOY PLAN	IN	$11K	100	mixed	—
SWEETSER EAP	ME	$0	0	fully insured	—
VALEO FINANCIAL ADVISORS LLC HEALTHJOY	IN	$0	168	mixed	—
THE SCARBROUGH GROUP, INC. THE SCARBROUGH GROUP, INC. HEALTHJOY	MO	$0	0	mixed	—
HHI CORPORATION HHI CORPORATION	UT	$0	162	fully insured	—