Welfare broker

JOHN E FRALICH

Mailing address (most recent filing)

321 SE I STREET

GRANTS PASS, OR 97526

Total comp: $20K
Commissions: $20K
Fees: $0
Filings: 4
Sponsors: 4

Carrier mix

Where JOHN E FRALICH places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED HERITAGE LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED HERITAGE LIFE INSURANCE COMPANY	3	$48K	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
OR	3	$48K	0.3%	104.50x

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 JOHN E FRALICH's plans by broker comp / premium ratio. Median 10.00% vs welfare-wide median 6.40% (n=3).

Prospect-flag exposure · vs market baseline

Share of JOHN E FRALICH's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where JOHN E FRALICH is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ROSEBURG THERAPY, LLC ROSEBURG THERAPY GROUP VOLUNTARY LIFE PLAN	OR	$18K	$3K	UNITED HERITAGE LIFE INSURANCE COMPANY
ROSEBURG THERAPY ROSEBURG THERAPY GROUP VISION PLAN	OR	$15K	$2K	UNITED HERITAGE LIFE INSURANCE COMPANY
ROSEBURG THERAPY, LLC ROSEBURG THERAPY GROUP LIFE PLAN	OR	$15K	$808	UNITED HERITAGE LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITED HERITAGE LIFE INSURANCE COMPANY

$48K

100.0%

State

Plans

Premium

State share

Index

$48K

0.3%

104.50x

Sponsor

Loc

Premium

Comp

Carrier

ROSEBURG THERAPY, LLC

ROSEBURG THERAPY GROUP VOLUNTARY LIFE PLAN

$18K

$3K

UNITED HERITAGE LIFE INSURANCE COMPANY

ROSEBURG THERAPY

ROSEBURG THERAPY GROUP VISION PLAN

$15K

$2K

UNITED HERITAGE LIFE INSURANCE COMPANY

ROSEBURG THERAPY, LLC

ROSEBURG THERAPY GROUP LIFE PLAN

$15K

$808

UNITED HERITAGE LIFE INSURANCE COMPANY