The Client
A leading regional employee benefits broker supports 100+ self-insured employers in addressing rising healthcare renewal costs across multiple carriers and plan types, which create pressure on both budgets and employee satisfaction. The broker’s role includes evaluating carrier options, negotiating renewals, and developing strategies that balance cost control with comprehensive coverage. By leveraging data, market expertise, and advisory support, the broker delivers measurable savings while ensuring employees retain access to quality healthcare benefits.
The Challenges
The company managed employee benefits data coming from five disparate carrier feeds, making it nearly impossible to create unified financial reports, reconcile budgets promptly, or spot emerging claims trends. Manual spreadsheet work was time-consuming and inconsistent, causing missed insights and delayed actions ahead of renewals. High-cost claimants and rising prescription drug expenses further threatened to push renewal increases.
The Solution
Our Automated Financial Reporting & Decision Workbench integrated and harmonized all incoming data streams-medical, pharmacy, and stop-loss-into a single, real-time dashboard that centralizes claims and financial analytics. By automating the extraction and normalization of over 25 types of source files and claims reports, and layering third-party Rx and stop-loss feeds for additional context, the platform delivered actionable financial and risk insights to both HR and broker teams. Early-warning analytics flagged rising specialty drug usage and looming stop-loss breaches, empowering decision-makers with the intelligence needed for strategic interventions on plan design and contributions.
The Benefits
- 12% reduction in renewal cost through smarter plan design enabled by real-time financial intelligence.
- 100+ hours saved monthly on manual report compilation and reconciliation.
- Real-time alerts on claims spikes, high-cost member trends, and stop-loss threats fostered timely response and strategic engagement.
- Stronger client-Broker relationship via proactive, data-driven advisory support and consistently successful renewals.

“For self-funded employers, benefit plan claim reporting remains a major pain point. Data evaluation takes hundreds of hours of manual manipulation to harmonize reams of desperate reports. Thankfully, CogniSure AI has revolutionized this archaic process with their new Benefit insights solution. Their platform systematically merges data from multiple vendors across multiple lines to help clients implement strategies to bend cost curve.”

Joe DiBella
EVP - CONNER STRONG & BUCKELEW