Insurance carrier

APS OPTIMIND

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

No benefit-line contracts on file for APS OPTIMIND.

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	1	$5K	0.2%	224.68x

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

1-1 of 1 sponsor where APS OPTIMIND is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
JF MONTALVO CASH & CARRY JF MONTALVO EAP PLAN	PR	$5K	353	fully insured	AON RISK SERVICES OF PR