Operate · the United States
Underwriting: Direct Health and Medical Insurance Carriers
What public records can and cannot establish about running this business in the United States, dimension by dimension, with the gaps named.
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not scored
REWORK
PROVE
OPEN
NOT SCORED. 65 of 100 rubric points are evidenced deterministically from public records; 10 have no producer. The ±3.1 interval measured elsewhere on this site is ARBITER's sampling variance and does not apply to a SQL query, which returns the same answer every time it runs.
IndustryNAICS 524114
Scopethe United States
RubricO1.0-20260804
Pricedfree — no account, no gate
7th percentile of 287 industries
Where this industry stands
| Net formation, 5yr | Percentile | Reads as | Signal strength |
|---|---|---|---|
| -2.74% | 7th of 287 | shrinking hard | ρ 0.57 across 4 backtested windows, 42.6pp decile separation |
SBA 7(a) acquisition loans · FY2010–FY2026
Can you borrow to buy one
| Measure | Value |
|---|---|
| Acquisition loans approved | 35 |
| Median loan | $309,869 |
| Mean rate | 7.38% |
| Mean term | 95 months |
| Charged off | — |
1,069 firms · Census SUSB 2022
What firms here actually earn
| Revenue band ($000) | Firms | Share | Cumulative | Labour share of revenue |
|---|---|---|---|---|
| <100 | 157 | 14.7% | 14.7% | 34.5% |
| 100-499 | 356 | 33.3% | 48.0% | 30.1% |
| 500-999 | 104 | 9.7% | 57.7% | 24.5% |
| 1,000-2,499 | 60 | 5.6% | 63.3% | 22.9% |
| 2,500-4,999 | 39 | 3.6% | 67.0% | 26.9% |
| 5,000-7,499 | 13 | 1.2% | 68.2% | 15.7% |
| 7,500-9,999 | 14 | 1.3% | 69.5% | 28.1% |
| 10,000-14,999 | 18 | 1.7% | 71.2% | 16.7% |
| 15,000-19,999 | 12 | 1.1% | 72.3% | 15.5% |
| 20,000-24,999 | 11 | 1.0% | 73.3% | 20.5% |
| 25,000-29,999 | 4 | 0.4% | 73.7% | 8.3% |
| 30,000-34,999 | 3 | 0.3% | 74.0% | 5.7% |
| 40,000-49,999 | 12 | 1.1% | 75.1% | 10.6% |
| 50,000-74,999 | 12 | 1.1% | 76.2% | 18.2% |
| 75,000-99,999 | 12 | 1.1% | 77.4% | 16.0% |
| 100,000+ | 242 | 22.6% | 100.0% | 4.4% |
SBA 7(a) · FY2010–FY2026
Can an acquisition here be financed?
| Measure | Value |
|---|---|
| SBA acquisition loans on record | 35 |
| Median loan | $309,869 |
| Typical rate | 7.38% |
| Typical term | 95 months |
| Total approved | $9,792,900 |
Take this away
| Format | What it is |
|---|---|
| download the document → | One self-contained file — no stylesheet, no fonts, no scripts. Works offline, prints, and carries a content hash anyone can verify at /verify without an account. |
| JSON → | The same figures as data, with every source and gap attached. |
65 of 100 rubric points evidenced
What this report can and cannot underwrite
| Dimension | Weight | Evidence | Predicts? | Source |
|---|---|---|---|---|
| O1 · Demand density and recurrence | 25 | evidenced | predictive · ρ +0.57 | US Census County Business Patterns |
| O2 · Payment evidence | 15 | partial | not backtested | USASpending.gov — US federal government work, public domain |
| O3 · Licence gate favourability | 15 | evidenced | not backtested | CareerOneStop / ARC, U.S. Department of Labor |
| O4 · Labour availability | 15 | evidenced | not backtested | BLS Occupational Employment and Wage Statistics, May 2024 |
| O5 · Incumbent weakness | 10 | no producer | not backtested | none |
| O6 · Margin structure | 10 | partial | not backtested | US Census Statistics of U.S. Businesses 2022 |
| O7 · Ceiling | 10 | evidenced | DESCRIPTIVE ONLY · ρ +0.05 | US Census Business Dynamics Statistics — public domain |
Every licensed occupation in this industry
| Occupation | Share here | Concentration | Jurisdictions |
|---|---|---|---|
| Insurance Sales Agents | 4.76% | 10.9× | 45 of 56 |
| Claims Adjusters, Examiners, and Investigators | 4.18% | 15.8× | 41 of 56 |
| Insurance Claims and Policy Processing Clerks | 5.36% | 27.3× | 37 of 56 |
| Registered Nurses | 7.63% | 3.5× | 50 of 56 |
| Management Analysts | 4.52% | 7.5× | 12 of 56 |
| Software Developers | 3.43% | 3.1× | 1 of 56 |
What this report cannot tell you
| Gap |
|---|
| licence titles in this scope — none matched 'Customer Service Representatives', though it is licensed in 45 jurisdictions nationally. The title differs locally, or the record is held municipally. |
| licence coverage — the register holds 54 of 56 US licensing jurisdictions, and 2,504 of its records carry no jurisdiction at all. A count of 45 is out of 54 searched, not out of 56. The unsearched jurisdictions are not evidence of no licence. |
| bonding_required_usd — no producer, and not estimated |