Differentiate your practice with independent, data-driven benefits intelligence
Benchmark employer plans, compare self-funded vendors with unbiased data, and deliver the kind of fiduciary advice that separates you from brokers who just shop the same carriers every year.
Sound familiar?
- Employer clients asking why their fully-insured rates keep climbing with no explanation
- Self-funding conversations where you need independent data to back your recommendation
- PBM and TPA proposals you can't independently validate before presenting to clients
- Stop-loss renewals where the incumbent carrier controls all the claims data
- Compliance questions from clients that require current, accurate regulatory knowledge
- Differentiating your practice from brokers who just shop the same carriers every year
Employer Benefits IQ gives you the data and tools to answer all of these — for every client.
Tools built for broker workflows
From self-funding analysis to stop-loss contract review — every tool produces client-ready outputs.
Benefits IQ Score™
Score any employer client's plan across 12 performance domains. Use the results to open self-funding conversations and identify cost-containment opportunities.
Score a client planSelf-Funding vs. Fully-Insured
Compare self-funded and fully-insured structures for a specific employer — with data on risk, cash flow, and long-term cost trajectory.
Run comparisonTPA Comparison Tool
Evaluate TPAs on administrative fees, network access, reporting capabilities, and stop-loss relationships — with AI analysis.
Compare TPAsStop-Loss Comparison Tool
Compare stop-loss carriers on contract basis, laser provisions, aggregate terms, terminal liability, and financial strength ratings.
Compare carriersStop-Loss Contract IQ™
Upload a client's stop-loss contract and get an AI-assisted analysis of red flags, missing provisions, and negotiation priorities.
Review a contractCompliance Hub
Track ACA, ERISA, COBRA, HIPAA, and CAA deadlines. Generate personalized compliance checklists for each client's plan type and size.
Open compliance hubWhy brokers choose Employer Benefits IQ
Independent, vendor-neutral data
No carrier or vendor pays for placement. Every comparison is built on independently researched data — giving you credibility with sophisticated employer clients.
Self-funding intelligence
The platform is built around self-funded plan design — the area where brokers can add the most value and differentiate from commodity competitors.
Client-ready deliverables
Benchmark reports, comparison analyses, and compliance checklists are formatted to share directly with employer clients — not just for internal use.
Fiduciary-grade sourcing
All regulatory figures are sourced from official IRS, CMS, and DOL guidance. All benchmark data is attributed to named surveys. No fabricated numbers.
Build your self-funding expertise
The learning portal covers the technical depth your employer clients expect — and that supports your professional designations.
The independent intelligence layer your practice needs
Free access to all tools, benchmarks, and learning content. No vendor relationships. No hidden agendas. Just the data you need to serve your employer clients better.