I used to know the answer to this: how do I keep transparency in a frame from affecting the opacity of text placed on top of the frame? The text is in a separate layer above the filled frame.
You should be OK. If text is above the transparency, it should not be affected.
The way to tell. Open the Flattener Preview panel. Window > Output > Flattener Preview. When you choose from the Highlight menu, you can highlight transparent objects or objects affected by transparency. If an object is pink is affected.