Fathom reads your renewal before the letter does.
Fathom is our benefits analysis engine. It reads your claims experience, your demographics, and the coverage your people are not using, then models where your renewal is heading and what is actually negotiable. Your renewal letter arrives about six weeks before it takes effect, with the number already decided. Fathom puts that number in front of you months earlier, with the reasons attached.
No cost. No obligation. No change of broker. This is a one-time information review, not a broker-of-record change.
What the review covers
- Your claims experience and loss ratio, read plainly
- The demographic shifts moving your rates, including age-band changes at renewal
- Capped coverage your plan pays for that your people are not using
- What is driving the renewal, and what can be pushed back on
How it works
- Tell us about your company. Two minutes.
- Authorize us to request your experience from your carrier, or upload what you already have.
- We walk you through the results in one working session: the drivers, the levers, and where the number should land.
The document reading is AI assisted. Every figure is computed, not generated, and you can check the arithmetic line by line.
East Coast Employee Benefits, in partnership with Scotia Blue Technology. Your information is used only to prepare your review.