Insurance carrier

MARSH USA INC.

health: 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
TX	1	$0	0.0%	5.57x
PA	1	$984K	0.0%	7.99x
IL	1	$654K	0.0%	9.49x

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

1-3 of 3 sponsors where MARSH USA INC. is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
CENTERS FOR ADVANCED UROLOGY, LLC CENTERS FOR ADVANCED UROLOGY, LLC	PA	$984K	132	self funded	—
UROPARTNERS, LLC UROPARTNERS, LLC EMPLOYEE BENEFIT PLAN	IL	$654K	184	self funded	—
T & D SYSTEMS, INC. T & D SYSTEMS EMPLOYEE HEALTH BENEFIT PLAN	TX	$0	26	fully insured	BDG BENEFITS DESIGN GROUP, INC.