Insurance carrier

HEARTLAND

vision: 126

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
PA	3	$37K	0.1%	23.98x

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

1-3 of 3 sponsors where HEARTLAND is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
ERIE HOMES FOR CHILDREN AND ADULTS ERIE HOMES FOR CHILDREN AND ADULTS GROUP VISION	PA	$19K	461	fully insured	LOESEL SCHAFF INSURANCE AGENCY
THE BEISTLE COMPANY THE BEISTLE COMPANY GROUP VISION INSURANCE PLAN	PA	$12K	85	fully insured	USI INSURANCE SERVICES
CLEAN TEXTILE SYSTEMS CLEANCARE VISION PLAN	PA	$7K	181	fully insured	HENDERSON BROTHERS, INC.