Welfare broker

CLEARY INSURANCE, INC.

Mailing address (most recent filing)

226 CAUSEWAY STREET

STE 302

BOSTON, MA 02114

Total comp: $71K
Commissions: $70K
Fees: $800
Filings: 4
Sponsors: 4

Carrier mix

Where CLEARY INSURANCE, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

METROPOLITAN LIFE INSURANCE COMPANY50.0%
BLUE CROSS OF CALIFORNIA50.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	1	$415K	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
MA	2	$1.5M	0.1%	46.22x

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 CLEARY INSURANCE, INC.'s plans by broker comp / premium ratio. Median 6.87% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of CLEARY INSURANCE, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where CLEARY INSURANCE, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HEALTH AND WELFARE TRUST FUND LOCAL 103 IBEW LOCAL 103, I.B.E.W. HEALTH BENEFIT PLAN	MA	$415K	$41K	METROPOLITIAN LIFE INSURANCE COMPANY
CHARLES RIVER RECOVERY, LLC CHARLES RIVER RECOVERY, LLC HEALTH & WELFARE PLAN	MA	$1.1M	$40K	BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.

Carrier

Plans

Premium

METROPOLITAN LIFE INSURANCE COMPANY

$415K

50.0%

BLUE CROSS OF CALIFORNIA

$1.1M

50.0%

State

Plans

Premium

State share

Index

$1.5M

0.1%

46.22x

Sponsor

Loc

Premium

Comp

Carrier

HEALTH AND WELFARE TRUST FUND LOCAL 103 IBEW

LOCAL 103, I.B.E.W. HEALTH BENEFIT PLAN

$415K

$41K

METROPOLITIAN LIFE INSURANCE COMPANY

CHARLES RIVER RECOVERY, LLC

CHARLES RIVER RECOVERY, LLC HEALTH & WELFARE PLAN

$1.1M

$40K

BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.