Welfare broker

CUMMINGS FRASER & ASSOCIATES, LLC

Mailing address (most recent filing)

3201 FIRST AVE S

SUITE 108

SEATTLE, WA 98134

Total comp: $56K
Commissions: $56K
Fees: $0
Filings: 2
Sponsors: 2

Carrier mix

Where CUMMINGS FRASER & ASSOCIATES, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	1	$2.3M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
WA	1	$2.3M	0.1%	62.39x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CUMMINGS FRASER & ASSOCIATES, LLC's plans by broker comp / premium ratio. Median 2.43% vs welfare-wide median 6.40% (n=1).

Prospect-flag exposure · vs market baseline

Share of CUMMINGS FRASER & ASSOCIATES, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CUMMINGS FRASER & ASSOCIATES, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ASKO PROCESSING, INC. ASKO PROCESSING, INC. EMPLOYEE BENEFIT PLAN	WA	$2.3M	$55K	KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC.