Insurance carrier

KILLAM OIL CO., LTD. GROUP BENEFIT PLAN

health: 1dental: 1vision: 1life: 1std: 1ltd: 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
TX	1	$2.4M	0.0%	16.72x

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 KILLAM OIL CO., LTD. GROUP BENEFIT PLAN's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where KILLAM OIL CO., LTD. GROUP BENEFIT PLAN is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
KILLAM OIL CO., LTD KILLAM OIL CO., LTD GROUP BENEFITS PLAN	TX	$2.4M	388	fully insured	STEVE R TRAUTMANN INSURANCE AGENCY