See what your plan could look like with nothing hidden.
Most employers have never seen the full cost of how their broker is paid. Use national commission ranges and our 20-million-member benchmark to estimate what's built into your premiums today — and what a transparent, flat-fee model could put back on your P&L.
Your Plan Profile
All figures are illustrative estimates based on national commission ranges and outcomes achieved for specific EPIQ clients. They are not a quote, guarantee, or projection for your plan. Actual results depend on plan design, demographics, funding structure, and carrier contracts.
Model the risk your carrier already sees.
Interact with the two engines that drive an EPIQ plan design — SAIL™ morbidity scoring and TOIC PCP compliance modeling — using illustrative national benchmarks.
Surface pharmacy spend billed under the medical benefit.
Morbidity index anchored at 1.00 (national average). A 1.22 SAIL™ score indicates 22% above-benchmark risk exposure across the modeled cohort.
Legacy Broker vs. EPIQ Forensic Model
The same three line items decide most renewals. Here's how the legacy model and the EPIQ model treat each of them.
- Carrier-Paid Commission (3–6% of premium)
- Hidden Contingent Overrides & Carrier Trips
- Reactive Renewal Meetings — 10% higher rates accepted
- 100% Flat-Fee — agreed in writing, $0 carrier overrides
- Zero Carrier Kickbacks Accepted
- Year-Round Clinical & Trend Management (-2% YoY claims)
A forensic audit of the existing plan — compensation, pharmacy, and renewal pricing — identified a $4.0M three-year claims value difference. No carrier change required.
The savings came from tearing apart the existing plan: pulling commission out of premium, auditing pharmacy line-by-line, and re-pricing the renewal against our 20M-member benchmark before the carrier's actuary did.