Welfare broker

CLEAR INSIGHT BENEFITS CONSULTING

Mailing address (most recent filing)

PO BOX 97

WAYNE, IL 60184

Total comp: $163K
Commissions: $109K
Fees: $55K
Filings: 4
Sponsors: 4

Carrier mix

Where CLEAR INSIGHT BENEFITS CONSULTING places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNDERWRITING MANAGEMENT EXPERTS50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNDERWRITING MANAGEMENT EXPERTS	1	$522K	50.0%
BLUE CROSS OF CALIFORNIA	1	$1.1M	50.0%

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
IL	2	$1.7M	0.0%	28.47x

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 CLEAR INSIGHT BENEFITS CONSULTING's plans by broker comp / premium ratio. Median 8.71% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of CLEAR INSIGHT BENEFITS CONSULTING's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where CLEAR INSIGHT BENEFITS CONSULTING is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
RWI HOLDINGS, INC. RWI HOLDINGS, INC EMPLOYEE WELFARE BENEFIT PLAN	IL	$522K	$66K	UNDERWRITING MANAGEMENT EXPERTS, LLC
A. EPSTEIN AND SONS INTERNATIONAL, INC. A.EPSTEIN AND SONS INTERNATIONAL, INC. WELFARE BENEFIT PLAN	IL	$1.1M	$54K	BLUECROSS BLUESHIELD OF ILLINOIS

Carrier

Plans

Premium

UNDERWRITING MANAGEMENT EXPERTS

$522K

50.0%

BLUE CROSS OF CALIFORNIA

$1.1M

50.0%

State

Plans

Premium

State share

Index

$1.7M

0.0%

28.47x

Sponsor

Loc

Premium

Comp

Carrier

RWI HOLDINGS, INC.

RWI HOLDINGS, INC EMPLOYEE WELFARE BENEFIT PLAN

$522K

$66K

UNDERWRITING MANAGEMENT EXPERTS, LLC

A. EPSTEIN AND SONS INTERNATIONAL, INC.

A.EPSTEIN AND SONS INTERNATIONAL, INC. WELFARE BENEFIT PLAN

$1.1M

$54K

BLUECROSS BLUESHIELD OF ILLINOIS