Open any plan below to see its carriers, broker commissions and premiums.
Solo shows those sections on each welfare plan. Your first month is $4.99.
Sponsor portfolioWelfare / HealthEIN 20-5168941
THE FRATE GROUP, INC
1202 SOUTH ILLINOIS ROUTE 31 · MCHENRY, IL 60050
8157884503
- Plans filed
- 3
- Years active
- 2015–2025
- Industry
- NAICS 48
- Latest filing
- 2025
Total premiums (latest)
$2.5M
No prior year
Persons covered
279
No prior year
Total participants
145
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #505$2.5M
THE FRATE GROUP WELFARE PLAN
Fully insured279 covered·3 carriers
Primary: BLUECROSS BLUESHIELD OF ILLINOIS
Plan #504$1.3M
THE FRATE GROUP, INC. MEDICAL PLAN
Fully insured240 covered·1 carrier
Primary: BLUECROSS BLUESHIELD OF ILLINOIS
Plan #502$78K
THE FRATE GROUP, INC WELFARE PLAN
Fully insured365 covered·1 carrier
Primary: METROPOLITAN LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Dental | $2.4M | 46.2% | |
| Health | $2.4M | 46.2% | |
| Vision | $99K | 1.9% | |
| Life | $99K | 1.9% | |
| Long-term disability | $99K | 1.9% | |
| Other | $99K | 1.9% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 361236610 | HD | $2.4M | 95.9% | 1 | 1 | 279 |
EIN 362598882 | VLLTDOth | $99K | 3.9% | 1 | 1 | 141 |
EIN 362612058 | D | $3K | 0.1% | 1 | 1 | 7 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| COLLEEN M ROOS | PRAIRIE GROVE, IL | BLUECROSS BLUESHIELD OF ILLINOIS | $95K | $0 | $95K | 86.9% | 1 |
| CMR BENEFITS GROUP INC | PRAIRIE GROVE, IL | DELTA DENTAL OF ILLINOIS, DEARBORN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 13.0% | 1 |
| GIS BENEFITS INC | MORRIS, IL | DELTA DENTAL OF ILLINOIS | $169 | $0 | $169 | 0.2% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan