Clearsheet gathers group employee benefits options for a business and puts them on a single comparison sheet, with the same line items down the side and one column per option. It is for the person who signs off on benefits at a company with roughly ten to a hundred staff, which is usually the owner or whoever runs finance.
Getting options today means approaching one provider at a time, and the quotes come back in different shapes: one shows a monthly rate, another shows cost per employee, a third puts the annual maximum on page four. The comparison rarely gets finished, so the plan renews on the same terms by default. The sheet is the whole product. Read it, pick an option, or keep what you have.
Canadian sheets are written in Canadian plan terms, including coinsurance, annual maximums, and paramedical limits per practitioner. Florida sheets use deductible, coinsurance, out-of-pocket maximum, copays, and network type.
An employee census: ages, province or state, and single or family status. No names, salaries, or health history. Most people have that together in about fifteen minutes.
Nothing to see the sheet. If a plan is placed, the provider pays the advisor, as it does with any benefits broker, and that sits inside the rates shown in the columns.