Insurance carrier

SONTIQ

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 SONTIQ.

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	$131K	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 SONTIQ's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

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

Sponsor	Loc	Premium	Covered	Funding	Broker
AIR PRODUCTS AND CHEMICALS, INC. AIR PRODUCTS AND CHEMICALS, INC. VOLUNTARY IDENTITY THEFT PLAN	PA	$131K	765	fully insured	—