Insurance carrier

NIAGARA LIFE AND HEALTH INSURANCE

Total premium: $3.3M
Filings: 7
Sponsors: 7
Covered lives: 1,717
Market share: 0.00%

health: 1stopLoss: 6

Funding-model mix

The strategic axis. Fully-insured carriers underwrite the risk; ASO/self-funded carriers admin only. MEWA = multi-employer welfare arrangement.

Mixed4100.0%

Benefit-line mix

Contract counts by benefit type. Monoline carriers concentrate in one wedge; full-suite carriers spread across many.

Stop-loss685.7%
Health114.3%

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
NY	3	$3.0M	0.1%	14.87x
CT	1	$1.2M	0.1%	25.93x

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 NIAGARA LIFE AND HEALTH INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where NIAGARA LIFE AND HEALTH INSURANCE is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
P & L DEVELOPMENT, LLC P & L DEVELOPMENT, LLC EMPLOYEE BENEFITS PLAN	NY	$1.6M	1,612	mixed	XL BENEFIT INSURANCE SERVICES
WILLIAM B. MEYER WILLIAM B. MEYER, INC. EMPLOYEE BENEFITS PLAN	CT	$1.2M	153	mixed	BROWN & BROWN OF CT INC.
HEIDELL PITTONI MURPHY & BACH LLP HEIDELL PITTONI MURPHY & BACK LLP GROUP HEALTH PLAN	NY	$753K	163	mixed	CENTERSTONE INSURANCE AND FINANCIAL
DISTRICT COUNCIL 37 HEALTH AND BENEFIT F DISTRICT COUNCIL 37 HEALTH AND BENEFIT FUND	NY	$580K	434	mixed	—

State

Plans

Premium

State share

Index

$3.0M

0.1%

14.87x

$1.2M

0.1%

25.93x

Sponsor

Loc

Premium

Covered

Funding

Broker

P & L DEVELOPMENT, LLC

P & L DEVELOPMENT, LLC EMPLOYEE BENEFITS PLAN

$1.6M

1,612

mixed

XL BENEFIT INSURANCE SERVICES

WILLIAM B. MEYER

WILLIAM B. MEYER, INC. EMPLOYEE BENEFITS PLAN

$1.2M

153

mixed

BROWN & BROWN OF CT INC.

HEIDELL PITTONI MURPHY & BACH LLP

HEIDELL PITTONI MURPHY & BACK LLP GROUP HEALTH PLAN

$753K

163

mixed

CENTERSTONE INSURANCE AND FINANCIAL

DISTRICT COUNCIL 37 HEALTH AND BENEFIT F

DISTRICT COUNCIL 37 HEALTH AND BENEFIT FUND

$580K

434

mixed

—