Insurance carrier

PROTEC INSURANCE COMPANY

vision: 40life: 1

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
IL	3	$103K	0.1%	28.47x

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

1-3 of 3 sponsors where PROTEC INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
WHEATON COLLEGE GROUP VISION PLAN OF WHEATON COLLEGE	IL	$59K	1,032	fully insured	—
COPE PLASTICS, INC. COPE PLASTICS MEDICAL, DENTAL, VISION PLAN	IL	$31K	212	mixed	DANIEL & HENRY COMPANY
HERITAGE BEHAVIORAL HEALTH CENTER, INC. HERITAGE BEHAVIORAL HEALTH CENTER, INC. VISION PLAN	IL	$13K	151	fully insured	JAGGI PETRY INSURANCE & INVESTMENT