The Bunkers and Teresa wake up in the middle of the night to discover a small fire has broken out in the bathroom, which Mike is able to put out in short order. Archie feels that his twenty years of premium payments entitle him to a large insurance payout, but he's in for a shock when the adjuster investigates the cause of the fire.

The newspaper accuses Archie's "Kings of Queens" club of being bigoted, which causes him and his friends to fear protests and the loss of their tax exempt status. Archie naively thinks the solution is to initiate one of his coworkers to be a token black and Jewish member.