The carrier already showed its work. Nobody reads it.
A group renewal letter contains the credibility factor, the target loss ratio, the trend assumption, the pooling level and the per-benefit experience. Everything needed to check the increase is in the envelope. Fathom reads it and returns the arithmetic: what the experience actually supports, where the gap is, which plan changes close it, and what each one is worth.
One case, no account, no change of broker. You get the analysis back either way.
Computed, not generated.
The reconciliation
The carrier's ask beside what the claims experience supports, and the gap between them stated in dollars a year.
A fair verdict
When the increase is defensible, it says so. Fathom is an auditor, not an advocate, and that is the part clients remember.
Priced plan changes
Coinsurance, paramedical caps, dental recall, fee guide, drug management. Each one modelled off this group's own claims with a savings band.
Age-band drift
Every member advanced to the next anniversary and re-slotted into rate bands, so demographic cost is separated from experience.
Utilization against caps
Booklet maximums paired with actual paramedical spend, which is how you find the lever that is genuinely available.
A client-ready document
The whole thing as a hosted, password-gated deck you can put on screen in a meeting without rebuilding it in slides.
The parsers are deterministic. A renewal decodes the same way twice, the figures trace back to a line in the carrier's own exhibit, and the engine reproduces published carrier sheets to the dollar. That is the whole design constraint, and it is why the numbers survive a client asking where they came from.
Fathom Desk
You send the carrier documents. We send back the finished analysis, the priced levers and the client deck, per case. No software to learn, no onboarding, nothing to install, and your client relationship stays entirely yours.
Suited to a brokerage that wants the output on a handful of cases a month, or a TPA or MGA that would otherwise hire an analyst to do it by hand.
Send a caseFathom licensed
The platform in your own tenant, under your own brand. Drop documents, model the levers live in front of a client, host the deck, and keep the whole book in one place. Three interface tiers so a small practice is not handed a cockpit.
Multi-tenant, tenant-isolated, audit-logged, with per-tenant usage metering.
See the tiersBuilt inside a working brokerage, on real renewals.
Fathom runs East Coast Employee Benefits' book every day. It was built against real carrier packages rather than samples, which is why the parsers handle a photographed renewal, a scanned experience exhibit and a benefits booklet from the same drop. Every engine change is pinned by golden-file tests against de-identified real cases, so a figure that was right last month is still right today.
Send one renewal and judge it on the output.
Upload the renewal letter and whatever else you have. You get the reconciliation back regardless of whether you do anything else with us.
Send a renewal