Your Benefits Partner
We provide the technology, expertise,
and personal service to create a streamlined
benefits department for your organization.
We analyze your existing benefits program
and work with you to design a program
based on your specific goals.
We answer employee questions and advocate to the insurance companies on their behalf.
We reduce your workload by providing an onboarding and employee enrollment platform, as well as tools and guidance for HR.
We assist employers in meeting federal compliance requirements relating to employee benefit programs, ERISA (Employment Retirement Income Security Act), and ACA (Affordable Care Act).
We provide creative strategies to maximize your return on investment
Cummings, Fraser & Associates has over 35 years experience providing the best group health insurance & welfare benefits at the lowest possible cost and helping employees understand and appreciate the valuable benefits their employers provide them.
First, we’ll help you assess your benefit needs and goals. Then we’ll bid the market for you, keeping you up to date with industry changes and providing an array of customized benefit options that best fit your company’s size and needs.
Frequently Asked Questions
What carriers do you work with?
We work with all the insurance carriers and Association Health Plans who are licensed in the state of Washington and who use the broker distribution channel. We are also licensed to work with carriers nationwide. We are carrier agnostic and choose the best carriers and plans to meet our clients’ needs and goals.
How are you compensated?
Carrier direct commission payments or a consulting fee.
Would I have a dedicated Account Manager?
Absolutely! Your benefits consultant works in tandem with your dedicated Account Manager.
What processes or methods do you use to control healthcare costs?
We use different funding mechanisms, HRA’s, carrier tools, and technology
We have over 35 years experience providing group health insurance benefit plans.
Our staff pursues continuing education at every opportunity.
We identify innovative ways to manage benefit costs.
Here’s what some of our clients have said.
Expert benefits advice you can trust.