Insurance carrier

THE HARDFORD

ltd: 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
OH	1	$31K	0.0%	3.86x
GA	1	$549K	0.0%	7.59x

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

1-2 of 2 sponsors where THE HARDFORD is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
VOLUNTARY BENEFIT TRUST FOR AIRLINE RETIREES VOLUNTARY BENEFIT TRUST FOR AIRLINE RETIREES	GA	$549K	136	fully insured	CATHY J CONE
NORWOOD MEDICAL LLC NORWOOD MEDICAL LLC COMPANY LONG TERM DISABILITY PLAN	OH	$31K	145	fully insured	GALLAGHER BENEFITS SERVICES