Welfare broker

FREY INSURANCE AND BENEFITS

Mailing address (most recent filing)

4775 TECO AVENUE

SUITE 225

LAS VEGAS, NV 89118

Total comp: $785K
Commissions: $542K
Fees: $242K
Filings: 8
Sponsors: 8

Carrier mix

Where FREY INSURANCE AND BENEFITS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	2	$10.7M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NV	1	$1.5M	0.2%	113.06x
FL	1	$9.2M	0.0%	12.70x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of FREY INSURANCE AND BENEFITS's plans by broker comp / premium ratio. Median 4.77% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of FREY INSURANCE AND BENEFITS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where FREY INSURANCE AND BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AYR WELLNESS, INC. AYR WELLNESS EMPLOYEE BENEFIT PLAN	FL	$9.2M	$401K	UNITEDHEALTHCARE INSURANCE COMPANY
ALLIANCE FOR CHILDHOOD DISEASES DBA CURE 4 THE KIDS ALLIANCE FOR CHILDHOOD DISEASES DBA CURE 4 THE KIDS HEALTH AND WELFARE BENEFIT PLAN	NV	$1.5M	$80K	HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$10.7M

100.0%

State

Plans

Premium

State share

Index

$1.5M

0.2%

113.06x

$9.2M

0.0%

12.70x

Sponsor

Loc

Premium

Comp

Carrier

AYR WELLNESS, INC.

AYR WELLNESS EMPLOYEE BENEFIT PLAN

$9.2M

$401K

UNITEDHEALTHCARE INSURANCE COMPANY

ALLIANCE FOR CHILDHOOD DISEASES DBA CURE 4 THE KIDS

ALLIANCE FOR CHILDHOOD DISEASES DBA CURE 4 THE KIDS HEALTH AND WELFARE BENEFIT PLAN

$1.5M

$80K

HEALTH PLAN OF NEVADA/ SIERRA HEALTH & LIFE