Insurance carrier

SMART NATIONAL HEALTH PLAN

health: 2

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
PA	1	$3.0M	0.0%	23.98x

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 SMART NATIONAL HEALTH PLAN's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SMART NATIONAL HEALTH PLAN is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
BD OF TRUSTEES SHEET METAL WORKERS LOCAL NO. 12 WELFARE FUND SHEET METAL WORKERS LOCAL NO. 12 WELFARE FUND	PA	$3.0M	2,818	mixed	—