Clarest
Overview
Clarest sponsors a self-funded health plan that covered 1,809 participants in plan year 2025. The plan year starts in April. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 1,809
- Plan year
- Begins April 1 · next renewal April 2027
- Health plans filed
- Clarest Benefits Program, plan 501 (1,809 participants)
- Stop-loss carrier
- Sun Life and Health Insurance Company (u.s.)
- Broker compensation
- $370K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| The Guardian Life Insurance Company | Dental, Vision, Life, Long-term disability | 1,809 | $1.2M | $148K |
| Sun Life and Health Insurance Company (u.s.) | Stop-loss | 1,230 | $939K | $114K |
| Provident Life and Accident Insurance Company | Short-term disability | 491 | $192K | $74K |
| First Unum Life Insurance Company | Short-term disability | 418 | $103K | $31K |
| Metropolitan General Insurance Company | Legal | 179 | $28K | $4K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,809 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Clarest
- Sponsor EIN
- 20-7807664
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 20-7807664 in the Department of Labor's EFAST2 Form 5500 search.
About this data
Source: Clarest's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Clarest.