Form 5500 · Employee benefit plan · COLUMBIA, MD
CLARITY INNOVATIONS, LLC
The filing calls this plan CLARITY INNOVATIONS, LLC WRAP BENEFIT PLAN.
CLARITY INNOVATIONS, LLC of COLUMBIA, MD spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-1156079 · plan 501 · plan year 2025, filed Aug 10, 2026
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776 other employer plans in Maryland have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: prepaid legal, 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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS, covers 1,202 people.
Reported premium across the insured contracts is $8,472,152, with $239,760 in disclosed broker commissions — about 2.8% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
USI INSURANCE SERVICES LLC is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS, DELTA DENTAL OF VIRGINIA, STANDARD INSURANCE COMPANY and TRUSTMARK INSURANCE COMPANY. ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | Health | 1,202 | Jan 1, 2026 | $7,054,842 | $102,930 |
| STANDARD INSURANCE COMPANY | Health | 167 | Jan 1, 2026 | $81,007 | $50,486 |
| DELTA DENTAL OF VIRGINIA | Dental | 1,359 | Jan 1, 2026 | $680,071 | $47,651 |
| TRUSTMARK INSURANCE COMPANY | — | 76 | Jan 1, 2026 | $74,782 | $16,452 |
| STANDARD INSURANCE COMPANY | Vision, Life, Disability | 656 | Jan 1, 2026 | $538,725 | $15,832 |
| METLIFE LEGAL PLANS | — | 181 | Jan 1, 2026 | $42,725 | $6,409 |
Premium and claims on these contracts
DELTA DENTAL OF VIRGINIA, contract 404116. For the contract year on this filing, the carrier reported $680,071 in premium earned and $470,725 in claims incurred. Dividing one by the other gives 69%.
STANDARD INSURANCE COMPANY, contract 173670. For the contract year on this filing, the carrier reported $538,725 in premium earned and $316,498 in claims incurred. Dividing one by the other gives 59%.
- DELTA DENTAL OF VIRGINIA, contract 404116 reported $174,824 in retention.
- STANDARD INSURANCE COMPANY, contract 173670 reported $316,240 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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