SPARTAN STADIUM
East Lansing, Michigan74,866
seats
Nearly 285 sold-out Spartan Stadiums
Michigan State vs. Toledo · September 4, 2026 · 8:00 p.m. ET
WORKPLACE FINANCIAL PROTECTION BENCHMARK
How many Americans own workplace accident insurance?
Locy Ventures is building a maintained benchmark that keeps the human denominator in view and separates reported statistics from calculated and modeled estimates. The more important question is what happens after enrollment.
≈21.3millionmodeled enrolled U.S. employees
21.3 million enrolled.
How many protected?
THE WORKFORCE FUNNEL
A transparent model, not a reported ownership count.
No single public source reports a definitive national count of employees enrolled in workplace accident insurance. Locy Ventures therefore built a transparent model from workforce, benefits-access, and employee-reported enrollment inputs.
01≈147 millioncivilian worker positions
×
0274%medical-care benefit access
×
0328% × 70%reported access × conditional enrollment
=
≈21.3Mmodeled enrolled employees
The 70% participation input applies only to employees who reported that accident insurance was available to them. It is not a claim that 70% of all employees enroll.
THE DENOMINATOR MATTERS
Enrollment is not the same thing as protection.
A person can enroll in a workplace accident plan and still face a gap between a medical event, an eligible claim, a paid benefit, and meaningful financial relief. The benchmark is being built to make that gap visible.
ENROLLMENT
Access exists. An employee enrolls in a workplace accident plan.
PROTECTION
The event is recognized, the eligible amount is paid, and the benefit creates meaningful relief.
THE 21.3 MILLION STADIUM SERIES
Make an abstract population visible.
The series compares the modeled employee population with recognizable football stadiums. The venue creates the human-scale comparison. Locy Ventures provides the research and the question.
MICHIGAN STADIUM
Ann Arbor, Michigan107,601
seats
Nearly 198 sold-out Michigan Stadiums
Michigan vs. Western Michigan · September 5, 2026 · 7:30 p.m. ET
RESEARCH BRIEF NO. 1
Read the evidence behind the estimate.
The four-page brief explains the model, defines what the number does and does not mean, and introduces the protection question that sits behind the public campaign.
Open the full briefEstablished Locy Ventures relationships may receive the brief directly. For direct distribution, email john@locyventures.com.