Insurance carrier

UNIVERSAL LIFE INSURANCE COMPANY

Total premium: $11.1M
Filings: 101
Sponsors: 101
Covered lives: 72,025
Market share: 0.00%

life: 66std: 6ltd: 41

Funding-model mix

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

Fully insured4785.5%
Mixed814.5%

Benefit-line mix

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

Life6658.4%
Long-term disability4136.3%
Short-term disability65.3%

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
PR	50	$4.9M	9.7%	202.78x
WA	3	$518K	0.2%	3.37x
NJ	2	$607K	0.1%	1.69x

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.

Premium per participant · vs market median

Median annual premium per participant on UNIVERSAL LIFE INSURANCE COMPANY's book vs the welfare-wide median, split by funding model.

Funding types with fewer than 5 plans suppressed (medians are unstable).

Prospect-flag exposure · vs market baseline

Share of UNIVERSAL LIFE INSURANCE COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-55 of 55 sponsors where UNIVERSAL LIFE INSURANCE COMPANY is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
SPECIAL CARE PHARMACY SERVICES, LLC. SPECIAL CARE PHARMACY SERVICES GROUP LIFE & AD&D	PR	$10K	97	fully insured	IKON INSURANCE, INC.
BARRETO HOLDING COMPANY, LLC. BARRETO HOLDING COMPANY, LLC.- BASIC LIFE AND AD&D PLAN	PR	$9K	334	fully insured	IKON INSURANCE, INC.
ROCK SOLID TECHNOLOGIES LIFE & ADD BENEFITS	PR	$9K	196	mixed	AON RISK SERVICES OF PUERTO RICO
HOSPITAL COMUNITARIO BUEN SAMARITANO HOSPITAL BUEN SAMARITANO- LIFE INSURANCE PLAN	PR	$6K	267	fully insured	IKON INSURANCE, INC.
DELTA DENTAL OF PUERTO RICO, INC. DELTA DENTAL OF PUERTO RICO, INC. LIFE AND AD&D	PR	$3K	108	fully insured	MARSH SALDANA INC

State

Plans

Premium

State share

Index

$4.9M

9.7%

202.78x

$518K

0.2%

3.37x

$607K

0.1%

1.69x

Sponsor

Loc

Premium

Covered

Funding

Broker

SPECIAL CARE PHARMACY SERVICES, LLC.

SPECIAL CARE PHARMACY SERVICES GROUP LIFE & AD&D

$10K

fully insured

IKON INSURANCE, INC.

BARRETO HOLDING COMPANY, LLC.

BARRETO HOLDING COMPANY, LLC.- BASIC LIFE AND AD&D PLAN

$9K

334

fully insured

IKON INSURANCE, INC.

ROCK SOLID TECHNOLOGIES

LIFE & ADD BENEFITS

$9K

196

mixed

AON RISK SERVICES OF PUERTO RICO

HOSPITAL COMUNITARIO BUEN SAMARITANO

HOSPITAL BUEN SAMARITANO- LIFE INSURANCE PLAN

$6K

267

fully insured

IKON INSURANCE, INC.

DELTA DENTAL OF PUERTO RICO, INC.

DELTA DENTAL OF PUERTO RICO, INC. LIFE AND AD&D

$3K

108

fully insured

MARSH SALDANA INC