| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET SUITE 1120 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $33K | — | $33K | 1.98% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET SUITE 1120 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $8K | — | $8K | 1.85% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET SUITE 1120 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $9K | — | $9K | 4.57% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET, SUITE 1120 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 20.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET SUITE 1120 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET SUITE 1120 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 5.74% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET, SUITE 1120 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147 | — | $147 | 0.74% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 600 STEWART STREET, SUITE 1120 SEATTLE, WA 98101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $294 | — | $294 | 1.52% |
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 | 228 | 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) | 228 | 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. | 167 | $2.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 210 | $191K |
| Vision | VISION SERVICE PLAN | 235 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $85K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.