Insurance carrier

HHS

health: 5dental: 1vision: 1life: 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
WV	1	$0	0.2%	69.11x

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

1-4 of 4 sponsors where HHS is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
GURUPRASAD SRIHARI PROBUSKSLMAN	—	$0	6	fully insured	GURUPRASAD SRIHARI
GURUPRASAD SRIHARI PROBG	—	$0	4	fully insured	ACQ AND APP
GURUPRASAD SRIHARI PROBLATHYEST	WV	$0	4	fully insured	LAURA BURTON
GURUPRASAD SRIHARI PROBTY25GORDON	—	$0	6	fully insured	—