Hypo clear working solution should not have things floating in it. If it does, discard it. The solution was possibly contaminated with too much carried-over fix. Another possibility is that something was in the bottle you used to store the solution in (an old fixer bottle perhaps?) and contaminated the solution. In any case, you don't need particulates sticking to your film, so discard the solution and mix new.
The stock solution may develop some precipitate if it is stored at too low a temperature. Warming the solution should redissolve the crystals. A working solution of hypo clear has a rather limited useful life as it oxidizes quickly. You should not be saving the working solution for any length of time. Kodak says 24 hours and I wouldn't exceed that. Mx a stock solution as per the instructions (which, of course, you have read carefully) and mix just what you need for a session.
Are you sure that you are diluting your stock solution properly before use? I ask this because the concentration of ingredients in the working solution should be low enough to not precipitate out.
If you have bulk sodium sulfite and metabisulfite you can mix the working solution directly from dry chemicals. Since the proportions are not critical, a Tablespoon of sulfite and a pinch of metabisulfite per liter is quick and effective.
A comment about the use of hypo clear with film: Yes, you can dispense with the hypo clearing agent when processing film. With staining developers, you should never use hypo clear, since it will remove the stain. That said, with conventional films and non-staining developers, hypo clear will reduce wash times and save water. I use a staining developer and wash my film for 30+ minutes in order to get an adequate wash. When I don't use staining developer, hypo clear and 15 minutes is fine.
Best,
Doremus