UNDERWRITING MANAGEMENT EXPERTS

The strategic axis. Fully-insured carriers underwrite the risk; ASO/self-funded carriers admin only. MEWA = multi-employer welfare arrangement.

Contract counts by benefit type. Monoline carriers concentrate in one wedge; full-suite carriers spread across many.

Plan count by state. Index > 1.0 means over-indexed vs the national share; the carrier dominates that state.

NAICS-2 sectors where this carrier writes the most welfare premium.