Insurance carrier

MINES & ASSOCIATES

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

No benefit-line contracts on file for MINES & ASSOCIATES.

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
CO	2	$48K	0.1%	54.17x
OH	1	$241K	0.0%	2.57x

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 MINES & ASSOCIATES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where MINES & ASSOCIATES is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
HYSTER-YALE MATERIALS HANDLING, INC. HYSTER-YALE MATERIALS HANDLING, INC. HEALTH PLAN	OH	$241K	3,513	mixed	USI INSURANCE SERVICES NORTHWEST
WHEEL PROS, LLC WHEEL PROS, LLC EAP PLAN	CO	$40K	1,489	fully insured	—
SANDSTONE CARE COLORADO LLC SANDSTONE CARE EAP PLAN	CO	$8K	215	fully insured	—