| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $27K | — | $27K | 2.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $14K | — | $14K | 2.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | DELTA DENTAL OF WASHINGTON | $9K | — | $9K | 5.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98234 | VISION SERVICE PLAN | $967 | — | $967 | 5.88% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.75% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.75% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $727 | — | $727 | 10.76% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.78% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $466 | — | $466 | 10.75% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 1.51% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $292 | — | $292 | 10.76% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | — | $278 | 10.77% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96 | — | $96 | 10.70% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 134 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 10.67% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 10.71% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 151 | $2.0M |
| Dental | DELTA DENTAL OF WASHINGTON | 251 | $173K |
| Vision | VISION SERVICE PLAN | 170 | $16K |
| Life insurance(9 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $46K |
| Short-term disability(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $29K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.