Benefits Intelligence Platform

Your benefits spend
deserves a strategy,
not a guess.

Renewal delivers deep-dive claims analytics, pharmacy intelligence, and a structured 3-year roadmap — so every benefits decision is backed by data, not instinct.

6+
Deliverable Types
3-Yr
Strategy Roadmap
360°
Plan Visibility
Live Analytics View
Benefits Intelligence Summary
Total PMPM
$648
▲ 12.4% YoY
Loss Ratio
81%
↓ from 94%
Rx % of Spend
34%
▲ 8pts above avg
Specialty Rx Risk
2 High-Cost Claimants
MSK Trending Up
What You Receive

Six deliverables. Every engagement.

From raw claims data to a board-ready executive summary, each deliverable is purpose-built to drive a specific decision — not to fill a binder.

Claims Analysis Report
$2.41M
Total Annual Paid Claims
Medical
Rx
Mental
MSK
Onco
Deliverable 01
Claims Deep-Dive Analysis

Category-level spend breakdown, PMPM trending, utilization benchmarks, and high-cost claimant identification — with actionable flags for immediate attention.

PMPM Trending Category Splits Benchmarks
3-Year Strategic Roadmap
Year 1
Fix stop-loss structure
PBM passthrough audit
Establish TPA baseline
Year 2
Add DPC / VBC layer
Rx carve-out eval
High-cost Rx protocols
Year 3
Captive / aggregate eval
Population health mgmt
Cost-target reporting
Deliverable 02
3-Year Strategy Roadmap

A sequenced, prioritized plan across funding, vendors, clinical programs, and cost containment — built around your data, not a template.

Year-by-Year Actions Vendor Sequencing Priority Matrix
Financial Projection — 3-Year
Projected
Status Quo
$3.2M $2.8M $2.4M Now Yr 2 Yr 3 $420K projected savings
Deliverable 03
Multi-Year Financial Pro Forma

Side-by-side modeling of your current trajectory versus proposed interventions — with projected savings, break-even timelines, and sensitivity ranges.

Scenario Modeling ROI Projections Sensitivity Analysis
Pharmacy Intelligence Report
⚠ 3 Risk Flags
Humira (adalimumab)
$187K
Stelara (ustekinumab)
$124K
Ozempic / GLP-1 class
$98K
Eliquis (apixaban)
$62K
Entresto (sacubitril)
$44K
Deliverable 04
Pharmacy Intelligence Report

Top drug spend ranking, specialty vs. generic ratio, biosimilar opportunity sizing, and PBM contract performance vs. market — flagging where you're overpaying.

Top Drug Ranking Biosimilar Opps PBM Audit
Stop-Loss Structure Analysis
Current
Specific:$100K
Agg Factor:125%
Annual Prem:$312K
Laser Risk:Exposed
Proposed
Specific:$75K
Agg Factor:115%
Annual Prem:$287K
Laser Risk:Protected
Deliverable 05
Stop-Loss Structure Analysis

Current vs. recommended stop-loss design across specific deductible, aggregate factor, contract terms, and laser exposure — with market placement recommendations.

Specific / Aggregate Laser Exposure Market Comparison
Renewal
Executive Strategy Summary
3-Year Benefits Transformation Plan
Risk Flag
94% LR
Rx vs. Avg
+58%
Opportunity
$420K
Deliverable 06
Board-Ready Executive Summary

A clean, decision-focused executive brief distilling all findings into key risk flags, financial opportunities, and a prioritized action plan — formatted for C-suite and board presentation.

C-Suite Ready Action Priorities Risk Summary

From data to decision in four structured steps.

1
Discovery Meeting with Stakeholders

We gather 12–24 months of claims, pharmacy, stop-loss, and enrollment data from your carriers and TPAs.

2
Data Collection

Our analysts run category benchmarking, high-cost claimant screening, utilization flags, and trend analysis.

3
Data Analysis & AI Risk Analysis

We build your vendor roadmap, financial pro forma, and intervention priorities around your specific risk profile.

4
Executive Delivery

Full deliverable package is presented to leadership — ready for board-level decisions and vendor execution.

Ready to see what's
actually driving your
benefits spend?

Most employers don't know their true loss ratio, their top 5 drugs by cost, or whether their stop-loss structure is working. We change that in 30 days.

📊
Full Financial Transparency

Know exactly where every dollar is going — and where it should be going.

🗺️
A Plan, Not a Renewal Packet

Leave with a structured 3-year roadmap your team can actually execute against.

🛡️
Risk Identified Early

High-cost claimants, drug exposure, and stop-loss gaps — flagged before they become crises.

📋
Board-Level Deliverables

Every insight packaged for executive presentation — no translation required.