Four defensible calculations. No demo gate. No sales call.

Every tool runs entirely in your browser, shows its formula, and cites a public source. Email capture is optional and only required to deliver the PDF report. Your data is never shared.

01 · Compensation

Fee Audit Estimator

Surface the hidden carrier commissions embedded in your current premium. Inputs in 30 seconds; the formula is shown in full.

02 · Risk

Stop-Loss Attachment Modeler

1,000-trial Monte Carlo on your claims volatility. Drag the threshold to see when an attachment-point choice would breach.

03 · Compliance

CAA Compliance Self-Check

Eight pointed questions return a 0–100 ERISA exposure score and a three-point action plan with citations.

04 · Benchmarking

PEPY Benchmark

Plot your Per-Employee-Per-Year spend against the public KFF / Mercer band for your industry, region, and size.