Form 5500 · Employee benefit plan · OSHKOSH, WI
CLARITY CARE, INC.
The filing calls this plan CLARITY CARE, INC. EMPLOYEE BENEFITS PLAN.
CLARITY CARE, INC. of OSHKOSH, WI insures dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is M3 INSURANCE SOLUTIONS INC.. Coverage is written through TOKIO MARINE and 4 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 39-1569283 · plan 502 · plan year 2025, filed Jan 30, 2026
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40 other employer plans in Wisconsin have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
5 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 10 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with TOKIO MARINE, covers 179 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 5 contracts here that do not say what they cover.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $720,820 in premium and $94,658 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $919,422, with $109,378 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TOKIO MARINE | Stop-loss | 179 | Sep 1, 2025 | $720,820 | $94,658 |
| DELTA DENTAL OF WISCONSIN | Dental | 180 | Sep 1, 2025 | $83,344 | $4,758 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 85 | Sep 1, 2025 | $17,412 | $2,612 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 281 | Sep 1, 2025 | $34,265 | $2,421 |
| SUPERIOR VISION INSURANCE PLAN OF WISCONSIN INC. | Vision | 178 | Sep 1, 2025 | $20,399 | $2,150 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 39 | Sep 1, 2025 | $5,854 | $878 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 57 | Sep 1, 2025 | $5,418 | $813 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 31 | Sep 1, 2025 | $4,922 | $738 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 88 | Sep 1, 2025 | $2,334 | $350 |
| HCC LIFE INSURANCE COMPANY | — | 173 | Sep 1, 2025 | $24,654 | $0 |
Premium and claims on this contract
DELTA DENTAL OF WISCONSIN, contract 09814. For the contract year on this filing, the carrier reported $82,917 in premium earned and $47,435 in claims incurred. Dividing one by the other gives 57%.
- DELTA DENTAL OF WISCONSIN, contract 09814 reported $17,342 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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