| 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 | $10K | — | $10K | 2.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | DELTA DENTAL OF WASHINGTON | $8K | — | $8K | 5.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98234 | VISION SERVICE PLAN | $1K | — | $1K | 5.87% |
| 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 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 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 1.05% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 2.53% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 Filed as: CUMMINGS FRASER & ASSOCIATES | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $741 | — | $741 | 10.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $694 | — | $694 | 10.00% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 1ST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $346 | — | $346 | 9.99% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 10.01% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 10.00% |
| 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 | $5 | — | $5 | 10.20% |
| CUMMINGS FRASER & ASSOCIATES, LLC3 | 3201 FIRST AVE S SUITE 108 SEATTLE, WA 98134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 182 | 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) | 182 | 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. | 205 | $1.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 268 | $166K |
| Vision | VISION SERVICE PLAN | 170 | $18K |
| Life insurance(10 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $57K |
| Short-term disability(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $43K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.