Insurance carrier

PAN-AMERICAN LIFE INSURANCE COMPANY

Total premium: $103.6M
Filings: 296
Sponsors: 296
Covered lives: 63,196
Market share: 0.04%

health: 149dental: 18vision: 13life: 69std: 3drug: 69stopLoss: 154

Funding-model mix

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

Mixed4542.1%
Fully insured3431.8%
Self-funded (ASO)2725.2%
MEWA10.9%

Benefit-line mix

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

Stop-loss15432.4%
Health14931.4%
Life6914.5%
Prescription drug6914.5%
Dental183.8%
Vision132.7%
Short-term disability30.6%

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	26	$9.6M	0.4%	4.06x
OH	7	$4.1M	0.0%	0.51x
ID	7	$1.5M	1.6%	17.34x
VA	6	$1.2M	0.2%	2.57x
IN	6	$3.6M	0.2%	1.91x
NC	5	$3.3M	0.2%	2.23x
MD	4	$4.0M	0.2%	2.69x
CA	4	$2.9M	0.0%	0.48x
WI	3	$2.2M	0.1%	1.49x
PA	3	$2.3M	0.1%	0.67x

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.

Premium per participant · vs market median

Median annual premium per participant on PAN-AMERICAN LIFE INSURANCE COMPANY's book vs the welfare-wide median, split by funding model.

Funding types with fewer than 5 plans suppressed (medians are unstable).

Prospect-flag exposure · vs market baseline

Share of PAN-AMERICAN LIFE INSURANCE COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

101-107 of 107 sponsors where PAN-AMERICAN LIFE INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
CIRCLE THREE FEEDYARD CIRCLE THREE FEEDYARD HEALTH BENEFIT PLAN	TX	$55K	14	fully insured	GILILLAND INSURANCE ASSOC INC
AMERICA'S PRIDE, INC. AMERICA'S PRIDE, INC. HEALTH & WELFARE PLAN	VA	$25K	3	self funded	BRUCE HARRIS
OAK VALLEY DAIRY, LLC OAK VALLEY DAIRY, LLC	ID	$16K	114	fully insured	HUB INT. MOUNTAIN STATES LTD
JASMINE VINEYARDS, INC. JASMINE VINEYARDS, INC. HEALTH & WELFARE PLAN	CA	$9K	131	mixed	JAMES G. PARKER INSURANCE ASSOC.
LUZERNE COUNTY COMMUNITY COLLEGE LUZERNE COUNTY COMMUNITY COLLEGE HEALTH PLAN	PA	$0	0	self funded	—
MOUNTAIN EMPIRE OLDER CITIZENS, INC. MOUNTAIN EMPIRE OLDER CITIZENS, INC.	VA	$0	78	fully insured	—
CROFT LLC CROFT LLC GROUP MEDICAL INSURANCE HRLY PROGRAM	MS	$0	90	fully insured	FISHER BROWN BOTTRELL

State

Plans

Premium

State share

Index

$9.6M

0.4%

4.06x

$4.1M

0.0%

0.51x

$1.5M

1.6%

17.34x

$1.2M

0.2%

2.57x

$3.6M

0.2%

1.91x

$3.3M

0.2%

2.23x

$4.0M

0.2%

2.69x

$2.9M

0.0%

0.48x

$2.2M

0.1%

1.49x

$2.3M

0.1%

0.67x

Sponsor

Loc

Premium

Covered

Funding

Broker

CIRCLE THREE FEEDYARD

CIRCLE THREE FEEDYARD HEALTH BENEFIT PLAN

$55K

fully insured

GILILLAND INSURANCE ASSOC INC

AMERICA'S PRIDE, INC.

AMERICA'S PRIDE, INC. HEALTH & WELFARE PLAN

$25K

self funded

BRUCE HARRIS

OAK VALLEY DAIRY, LLC

$16K

114

fully insured

HUB INT. MOUNTAIN STATES LTD

JASMINE VINEYARDS, INC.

JASMINE VINEYARDS, INC. HEALTH & WELFARE PLAN

$9K

131

mixed

JAMES G. PARKER INSURANCE ASSOC.

LUZERNE COUNTY COMMUNITY COLLEGE

LUZERNE COUNTY COMMUNITY COLLEGE HEALTH PLAN

self funded

—

MOUNTAIN EMPIRE OLDER CITIZENS, INC.

fully insured

—

CROFT LLC

CROFT LLC GROUP MEDICAL INSURANCE HRLY PROGRAM

fully insured

FISHER BROWN BOTTRELL