Insurance carrier

SAND CREEK EAP, LLC

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 SAND CREEK EAP, LLC.

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
MN	1	$4K	0.0%	50.15x

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 SAND CREEK EAP, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SAND CREEK EAP, LLC is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
GIRL SCOUTS OF MINNESOTA AND WISCONSIN RIVER VALLEYS, INC. GIRL SCOUTS OF MINNESOTA AND WISCONSIN EAP PLAN	MN	$4K	135	fully insured	—