Insurance carrier

VCP SERVICES, INC.

vision: 41

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
KS	3	$265K	0.3%	134.67x

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

1-3 of 3 sponsors where VCP SERVICES, INC. is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
HUTCHINSON REGIONAL MEDICAL CENTER HRHS GROUP HEALTH PLAN	KS	$216K	1,664	mixed	FEE INSURANCE GROUP, INC.
HESS SERVICES, INC. HESS SERVICES, INC. VISION PLAN	KS	$26K	175	fully insured	TAMMY LOCKHART
OCCK, INC. OCCK, INC. VISION INSURANCE PLAN	KS	$23K	171	fully insured	WOOD & ASSOCIATES