| 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. | $24K | — | $24K | 1.99% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $10K | — | $10K | 2.01% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | DELTA DENTAL OF WASHINGTON | $8K | — | $8K | 4.99% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| 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 | 10.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98234 | VISION SERVICE PLAN | $962 | — | $962 | 6.02% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 0.70% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 1.41% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $841 | — | $841 | 10.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $623 | — | $623 | 9.40% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $341 | — | $341 | 10.01% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | — | $318 | 10.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 10.04% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 134 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 10.04% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 10.13% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 10.00% |
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 | 183 | 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) | 183 | 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. | 122 | $1.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 163 | $160K |
| Vision | VISION SERVICE PLAN | 184 | $16K |
| Life insurance(10 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $58K |
| Short-term disability(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $50K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.