| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLEAR GROUP LLC3 Filed as: CLEAR INSIGHT BENEFITS | — | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | — | $38K | 3.92% |
| THE CLEAR GROUP LLC3 Filed as: CLEAR INSIGHT BENEFITS | 451 DUNHAM RD STE 600 ST CHARLES, IL 60174 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| CLEAR INSIGHT BENEFIT3 | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $72 | $5K | 15.21% |
| CLEAR INSIGHT BENEFIT3 | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $41 | $3K | 15.22% |
| CLEAR INSIGHT BENEFIT3 | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $30 | $2K | 15.21% |
| THE CLEAR GROUP LLC3 Filed as: CLEAR INSIGHT BENEFITS | 451 DUNHAM ROAD 600 ST CHARLES, IL 60174 | EYEMED VISION CARE | $1K | — | $1K | 9.22% |
| CLEAR INSIGHT BENEFIT3 | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $27 | $27 | 0.22% |
| CLEAR INSIGHT BENEFIT3 | PO BOX 97 WAYNE, IL 60184 | UNITED OMAHA OF LIFE INSURANCE COMPANY | — | $27 | $27 | 0.25% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 178 | $973K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $52K |
| Vision | EYEMED VISION CARE | 134 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $19K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $26K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 178 | $973K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.