Insurance carrier

NGL

vision: 128

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
VA	1	$70K	0.0%	22.94x
PA	1	$25K	0.0%	11.99x

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

1-2 of 2 sponsors where NGL is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
NORTHERN VIRGINIA ELECTRIC COOPERATIVE NOVEC EMPLOYEE BENEFITS	VA	$70K	823	mixed	—
NORTH PENN COMPREHENSIVE HEALTH SERVICES NORTH PENN COMPREHENSIVE HEALTH SERVICES VISION PLAN	PA	$25K	304	fully insured	USI INSURANCE SERVICES LLC