Insurance carrier

PINE REST

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 PINE REST.

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
MI	1	$12K	0.0%	41.16x

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

1-1 of 1 sponsor where PINE REST is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
BARUCH SLS INC BARUCH SENIOR MINISTRIES EAP PLAN	MI	$12K	600	fully insured	PINE REST CHRISTIAN MENTAL HEALTH