Insurance carrier

WESTERN SKIES

Total premium: $1.2M
Filings: 4
Sponsors: 4
Covered lives: 405
Market share: 0.00%

health: 1dental: 1vision: 1life: 1std: 1ltd: 1drug: 1stopLoss: 4

Funding-model mix

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

Fully insured250.0%
Mixed125.0%
Self-funded (ASO)125.0%

Benefit-line mix

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

Stop-loss436.4%
Health19.1%
Dental19.1%
Vision19.1%
Life19.1%
Short-term disability19.1%
Long-term disability19.1%
Prescription drug19.1%

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
WI	1	$525K	0.0%	13.27x
NE	1	$609K	0.1%	40.23x
IA	1	$157K	0.1%	26.31x
AR	1	$140K	0.2%	55.23x

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

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

Sponsor	Loc	Premium	Covered	Funding	Broker
PAULSEN, INC. PAULSEN, INC. CAFETERIA PLAN	NE	$609K	97	fully insured	JONES INSURANCE AGENCY
ENGENDREN CORPORATION ENGENDREN FLEX ONE PLAN	WI	$525K	221	fully insured	MARSH & MCLENNAN AGENCY LLC
SCHIMBERG CO SCHIMBERG CO HEALTHCARE PLAN	IA	$157K	137	mixed	—
NORTHEAST ARKANSAS HEALTH & WELFARE TRUST NORTHEAST ARKANSAS EMPLOYEE HEALTH AND WELFARE PLAN	AR	$140K	55	self funded	—

State

Plans

Premium

State share

Index

$525K

0.0%

13.27x

$609K

0.1%

40.23x

$157K

0.1%

26.31x

$140K

0.2%

55.23x

Sponsor

Loc

Premium

Covered

Funding

Broker

PAULSEN, INC.

PAULSEN, INC. CAFETERIA PLAN

$609K

fully insured

JONES INSURANCE AGENCY

ENGENDREN CORPORATION

ENGENDREN FLEX ONE PLAN

$525K

221

fully insured

MARSH & MCLENNAN AGENCY LLC

SCHIMBERG CO

SCHIMBERG CO HEALTHCARE PLAN

$157K

137

mixed

—

NORTHEAST ARKANSAS HEALTH & WELFARE TRUST

NORTHEAST ARKANSAS EMPLOYEE HEALTH AND WELFARE PLAN

$140K

self funded

—