Insurance carrier

PIA HEALTH/DENTAL

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 PIA HEALTH/DENTAL.

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
CA	1	$1.1M	0.0%	12.75x

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

1-1 of 1 sponsor where PIA HEALTH/DENTAL is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
ROYAL PAPER BOX CO. OF CALIFORNIA ROYAL PAPER BOX CO. EMPLOYEES WELFARE BENEFIT PLAN AND TRUST	CA	$1.1M	59	mixed	—