Welfare broker

CLEARTRACK HR, LLC

Mailing address (most recent filing)

PO BOX 69

HARVEST, AL 35749

Total comp: $1.8M
Commissions: $1.8M
Fees: $6K
Filings: 5
Sponsors: 5

Carrier mix

Where CLEARTRACK HR, LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA33.3%
HARTFORD LIFE AND ACCIDENT33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$29.0M	33.3%
HARTFORD LIFE AND ACCIDENT	1	$2.7M	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$915K	33.3%

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
TN	2	$3.6M	0.1%	43.28x
LA	1	$29.0M	0.1%	42.37x

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 CLEARTRACK HR, LLC's plans by broker comp / premium ratio. Median 8.85% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of CLEARTRACK HR, LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where CLEARTRACK HR, LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMEDISYS HOLDING, LLC AMEDISYS EMPLOYEES WELFARE BENEFIT PLAN	LA	$29.0M	$2.6M	UNUM LIFE INSURANCE COMPANY OF AMERICA
AMERICAN HEALTH COMPANIES, INC. AHC WELFARE BENEFITS PLAN	TN	$2.7M	$490K	HARTFORD LIFE AND ACCIDENT
PROMISES BEHAVIORAL HEALTH, LLC PROMISES BEHAVIORAL HEALTH LLC HEALTH AND WELFARE PLAN	TN	$915K	$57K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$29.0M

33.3%

HARTFORD LIFE AND ACCIDENT

$2.7M

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$915K

33.3%

State

Plans

Premium

State share

Index

$3.6M

0.1%

43.28x

$29.0M

0.1%

42.37x

Sponsor

Loc

Premium

Comp

Carrier

AMEDISYS HOLDING, LLC

AMEDISYS EMPLOYEES WELFARE BENEFIT PLAN

$29.0M

$2.6M

UNUM LIFE INSURANCE COMPANY OF AMERICA

AMERICAN HEALTH COMPANIES, INC.

AHC WELFARE BENEFITS PLAN

$2.7M

$490K

HARTFORD LIFE AND ACCIDENT

PROMISES BEHAVIORAL HEALTH, LLC

PROMISES BEHAVIORAL HEALTH LLC HEALTH AND WELFARE PLAN

$915K

$57K

UNITED OF OMAHA LIFE INSURANCE COMPANY