Insurance carrier

LABOR FIRST, LLC

Total premium: $21.2M
Filings: 11
Sponsors: 11
Covered lives: 7,936
Market share: 0.01%

health: 5drug: 6

Funding-model mix

The strategic axis. Fully-insured carriers underwrite the risk; ASO/self-funded carriers admin only. MEWA = multi-employer welfare arrangement.

Mixed266.7%
Fully insured133.3%

Benefit-line mix

Contract counts by benefit type. Monoline carriers concentrate in one wedge; full-suite carriers spread across many.

Prescription drug654.5%
Health545.5%

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
TN	1	$375K	0.1%	21.64x
NY	1	$1.2M	0.0%	6.61x
MD	1	$31.9M	0.1%	23.97x

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

1-3 of 3 sponsors where LABOR FIRST, LLC is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
NATIONAL AUTO SPRINKLER WELFARE FUND JOINT BOARD OF TRUSTEES NATIONAL AUTOMATIC SPRINKLER INDUSTRY WELFARE FUND	MD	$31.9M	52,299	mixed	—
BOARD OF TRUSTEES-IUBAC LOCAL 1 CT HEALTH FUND INT'L UNION OF BRICKLAYERS & ALLIED CRAFT- WORKERS LOCAL 1 CONNECTICUT HEALTH FUND	NY	$1.2M	560	mixed	—
IRONWORKERS LOCAL UNION NO. 167 WELFARE FUND IRONWORKERS LOCAL UNION NO. 167 WELFARE FUND	TN	$375K	377	fully insured	—

State

Plans

Premium

State share

Index

$375K

0.1%

21.64x

$1.2M

0.0%

6.61x

$31.9M

0.1%

23.97x

Sponsor

Loc

Premium

Covered

Funding

Broker

NATIONAL AUTO SPRINKLER WELFARE FUND JOINT BOARD OF TRUSTEES

NATIONAL AUTOMATIC SPRINKLER INDUSTRY WELFARE FUND

$31.9M

52,299

mixed

—

BOARD OF TRUSTEES-IUBAC LOCAL 1 CT HEALTH FUND

INT'L UNION OF BRICKLAYERS & ALLIED CRAFT- WORKERS LOCAL 1 CONNECTICUT HEALTH FUND

$1.2M

560

mixed

—

IRONWORKERS LOCAL UNION NO. 167 WELFARE FUND

$375K

377

fully insured

—