For employee benefits consultants and practice leaders
The whole renewal, one workflow at a time.
From the first prospect meeting to the stewardship report, SoterAI runs the benefits consultant's calendar: renewal preparation, carrier renewal analysis, proposal comparison on one basis, funding and contribution modeling, network disruption, pharmacy review, benchmarking against a peer cohort and the executive recommendation, each landing in your client template.
Proposal comparison: Alder Manufacturing
Renewal comparison
- Basis
- Same enrollment snapshot and policy period for all four proposalsCensus, tab 1
- Carrier A
- Renewal at +9.4%, premium separated from feesProposal A, p. 6
- Carrier B
- Level-funded, expected cost 4.1% below renewalProposal B, p. 11
- Network
- Two high-use providers out of network at Carrier CDirectory match
Illustrative example, not customer data.
15
benefits workflows in the library
1 basis
for every carrier proposal, so they compare
3 funding models
fully insured, level-funded and self-funded, side by side
The day in the job
Each step of the renewal is a workflow that reads the documents you already have and writes into your deliverable.
- The renewal letter is in; now I rebuild last year's spreadsheet.
- Four carrier proposals, four different enrollment snapshots.
- The client asks whether self-funding makes sense and the model takes a week.
- The stewardship report is due and the evidence is in six folders.
Workflows for benefits
Start with the library. Build the rest.
- 1Prospect Benefits Analysis
- 2Client Onboarding Audit
- 3Renewal Preparation
- 4Renewal Analysis
- 5Proposal Comparison
- 6Benefits Plan & Contribution Modeling (and Funding Analysis)
- 7Strategic Benefits Recommendation
- 8Stewardship Report
Renewal Analysis
LibraryThe carrier renewal against the current program: rate action, employer and employee cost impact, the carrier's reasoning tested.
See the workflowProposal Comparison
LibraryProposals from marketing on one basis: same snapshot and period, premium separated from fees.
See the workflowBenefits Benchmarking
LibraryThe employer's program against a peer cohort: more competitive, less, or different.
See the workflowFunding Analysis
LibraryFully insured, level-funded and self-funded with expected cost and risk.
See the workflowNetwork Comparison
LibraryProvider disruption before a carrier move, weighted by utilization.
See the workflowStewardship Report
LibraryCoverages, premium and loss picture and the value delivered, assembled from the account's documents.
See the workflow
Also in the library: Claims Analysis, Pharmacy Review, Implementation Audit, Savings Opportunities.
How it works
Bring it. Run it. Get it. Track it.
Bring
The renewal letter, the current rates and enrollment, the carrier proposals, the census, Form 5500s for a prospect.
Run
Renewal Analysis, then Proposal Comparison, then Funding Analysis when the client asks.
Get
A renewal memo with the rate action quantified, a comparison on one basis, a funding model with scenarios, each in your template.
Track
The renewal timeline and the missing-information requests as records; the stewardship report assembled at year end from the same files.
Built with benefits consultants
The fifteen benefits workflows were designed around the renewal calendar a mid-market benefits practice runs every year: what to collect, what to validate, what to compare, what to recommend. Each writes into the practice's own client template.
Build your own
"Extract the plan data from this comparison PDF, the rate table and the census and produce our branded Word comparison with pricing."
The kind of workflow a benefits team builds in its first week.
Explore the workflow libraryWhat you would ask
Straight answers.
What moves
- Renewal outcomesRenewal Analysis, Proposal Comparison
- Consultant capacity per renewal seasonThe full renewal calendar
- Client retentionStewardship Report, Savings Opportunities
- New businessProspect Benefits Analysis
We use a benefits CPQ and a quoting platform.
Keep them. SoterAI starts where the quotes end: the analysis, the modeling, the recommendation and the stewardship report, in your document, with the sources cited.
Benefits data is sensitive.
Workspaces are isolated, data is never used to train models, and census and claims files stay in your Data Sources under SOC 2 controls; see the Trust Centre.
Our P&C colleagues already use SoterAI; does benefits share the account?
Yes. One client record serves both practices, so the benefits renewal and the P&C renewal draw on the same client data.
Frequently asked questions.
Other teams
Every team on one platform.
- Risk controlClient-ready loss-control work, same day
- ClaimsAdvocate faster with the whole file in front of you
- Account managementBring servicing back in-house
- ProducersWalk in knowing the account
- Carriers & captivesRisk intelligence at portfolio scale
- Brokerage leadersEvery practice on one platform
- All insurance teamsThe full SoterAI for insurance overview
Ready to run the renewal, not rebuild it?
Tell us how many groups renew in your busiest quarter and we'll map the calendar to the workflows.
When the form asks which team, choose Benefits.
Talk to our team
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