Insurance carrier

MODERN HEALTH

health: 4

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
MA	1	$170K	0.0%	15.41x
IL	1	$1.4M	0.0%	9.49x
CO	1	$218K	0.1%	27.09x

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

1-3 of 3 sponsors where MODERN HEALTH is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
WEST MONROE PARTNERS, INC. WEST MONROE PARTNERS, INC. WELFARE BENEFIT PLAN	IL	$1.4M	1,919	mixed	CLARITY, AN ALERA GROUP CO.
ROCKY MOUNTAIN INSTITUTE ROCKY MOUNTAIN INSTITUTE EAP	CO	$218K	100	fully insured	—
BLUEPRINT MEDICINES CORPORATION BLUEPRINT MEDICINES CORPORATION MODERN HEALTH BENEFIT	MA	$170K	660	fully insured	—