Insurance carrier

INOVA EMPLOYEE ASSISTANCE

health: 4

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
MD	1	$4K	0.1%	35.95x
DC	1	$5K	0.2%	88.47x

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

1-2 of 2 sponsors where INOVA EMPLOYEE ASSISTANCE is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
INVESTMENT COMPANY INSTITUTE INVESTMENT COMPANY INSTITUTE INSURANCE PLAN	DC	$5K	165	fully insured	—
THE IVYMOUNT SCHOOL, INC. THE IVYMOUNT SCHOOL EMPLOYEE ASSISTANCE PROGRAM	MD	$4K	272	fully insured	—