Insurance carrier

VISION CARE DIRECT

vision: 12

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	2	$197K	0.2%	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 VISION CARE DIRECT's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where VISION CARE DIRECT is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
MERITRUST FEDERAL CREDIT UNION MERITRUST CREDIT UNION HEALTH AND WELFARE PLAN	KS	$139K	1,100	mixed	IMA, INC.
DEVELOPMENTAL SERVICES OF NORTHWEST KANSAS DEVELOPMENTAL SERVICES OF NW KANSAS WELFARE BENEFIT PLAN	KS	$58K	211	mixed	IMA, INC.