Insurance carrier

TRANSWESTERN INSURANCE

health: 3dental: 1life: 1drug: 1stopLoss: 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
CA	1	$632K	0.0%	12.75x

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

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

Sponsor	Loc	Premium	Covered	Funding	Broker
VINTAGE ASSOCIATES, INC. DBA VINTAGE LANDSCAPE VINTAGE ASSOCIATES HEALTH AND WELFARE BENEFIT PLAN	CA	$632K	110	fully insured	SMITH BOMAN & ASSOCIATES