Insurance carrier

LUCENT HEALTH SOLUTIONS LLC

health: 8dental: 1drug: 1stopLoss: 2

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
WI	1	$1.2M	0.0%	26.54x
AL	1	$52K	0.1%	53.89x

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 LUCENT HEALTH SOLUTIONS LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where LUCENT HEALTH SOLUTIONS LLC is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
MCMAHON ASSOCIATES, INC. MCMAHON ASSOCIATES INC. GROUP MEDICAL PLAN	WI	$1.2M	115	fully insured	UNIVERSAL INSURANCE ADVISORS
NORTH ALABAMA FABRICATING COMPANY, INC. NORTH ALABAMA FABRICATING COMPANY, INC.	AL	$52K	208	self funded	COBBS, ALLEN & HALL OF ALABAMA