Compensation structure
Traditional Broker
Carrier-Paid Commission (3–6% of premium)
The EPIQ Model
100% Flat-Fee — agreed in writing, $0 carrier overrides
Plan Cost Calculator
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
252,500
Plan funding type
$
$2K$40K
Total annual spend$3,000,000
Signal 01
Estimated Embedded Broker Compensation
$150,000 – $180,000
National commission range for this funding type · includes commissions, overrides & bonuses
Signal 02
Illustrative PEPM Opportunity Range
$225,000 – $864,000
$75 – $288 PEPM × covered employees × 12. Upper bound reflects our best documented client result vs. the national benchmark — not a guaranteed outcome.
Signal 03
Illustrative 3-Year Range
$1,125,000 – $3,132,000
Signal 01 + Signal 02 ranges compounded over 36 months
Custom Audit
Get the line-item breakdown for your plan.
We'll send a line-item breakdown for your plan profile within two business days. No sales calls unless you ask for one.
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.
Predictive Analytics Sandbox
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.
Pharmacy Share of Spend
21%
3 years
1 yr4 yrs
Model confidence86%
1.22
SAIL™ Score
22% above-average risk
Top 1% Concentration
36% of spend
driven by the highest-cost claimants — the "1% Risk Rule".
Cardiac
24%
Metabolic
29%
CKD
14%
Morbidity index anchored at 1.00 (national average). A 1.22 SAIL™ score indicates 22% above-benchmark risk exposure across the modeled cohort.
The Audit Vault
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 incentives
Traditional Broker
Hidden Contingent Overrides & Carrier Trips
The EPIQ Model
Zero Carrier Kickbacks Accepted
Service cadence
Traditional Broker
Reactive Renewal Meetings — 10% higher rates accepted
The EPIQ Model
Year-Round Clinical & Trend Management (-2% YoY claims)
Verified Case Summary
1,400-Life Hospitality Employer
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.
Nothing here required a new carrier.
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.
$4.0M
Recovered
-2%
YoY claims
0
Kickbacks