As of MARCH 2026, we are proud to have helped our clients save
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Workforce Benefits Strategy
You're paying more in payroll taxes than you should be.
Bottom Line Benefits
Be Well Health works with employers across every industry to deploy fully insured supplemental benefit plans that lower FICA tax liability, increase employee take-home pay, and add real wellness coverage — without changing a single thing about your existing benefits.
Fully insured. Carrier-backed. Operating under the same IRS framework as Aflac since 1955. The compliance questions have answers.
✓We are independent benefits consultants. We evaluate multiple plans and carriers, then recommend what's genuinely best for your workforce and your balance sheet.
✓The plans we work with are fully insured — not self-funded, not trust arrangements — backed by globally recognized carriers that have conducted independent compliance analysis.
✓Every plan we recommend carries independent legal opinions addressing IRS guidance, Section 105(b), and the current regulatory environment.
✓Audit defense coverage is included in every plan we place — employees are fully protected from the moment they enroll.
✓We work across industries. If you have W-2 employees and a payroll, this conversation is worth having.
We don't sell plans. We solve problems. The right plan for your company is the one that performs — and we'll show you the numbers before you commit to anything.
$900
Savings per employee / year
2
Meetings to close
30
Days to implementation
$0
Disruption to existing coverage
The Business Case
There's a cost reduction your finance team hasn't looked at yet.
Smart companies in 2026 are not waiting for the economy to get easier. They're finding margin in places their competitors haven't looked. Health insurance renewals are running 6–9% higher than last year. Labor costs are up across the board. Yet most finance teams are still treating FICA as a fixed, unavoidable expense — and leaving hundreds of thousands of dollars on the table every year as a result.
A properly structured Section 125 fixed indemnity plan legally reduces the FICA tax base on every enrolled employee's compensation — for the employer and the employee simultaneously. The savings are real, recurring, and available to any company running a standard W-2 payroll. The only question is whether your current advisor has shown it to you.
The Numbers Behind the Opportunity
6–9%
Average health insurance renewal increase in 2026 — every dollar saved elsewhere matters more than it did last year
7.65%
FICA rate on eligible compensation — the cost reduction lever most finance teams have never been shown
$600–$900
Annual savings per enrolled W-2 employee — employer side only, first payroll cycle after go-live
$0
Net cost to implement — the plan pays for itself from the tax savings it generates
The Missed Opportunity
Every quarter you wait is money you've decided not to keep.
This isn't a novel tax strategy. Section 125 has been federal law since 1978. Aflac has operated under this exact framework since 1955. The question isn't whether this works — it's why no one has shown it to you yet. We will.
✕
Raise prices to offset rising labor costs
✕
Cut hours or reduce headcount
✕
Change your existing health insurance carrier
✕
Renegotiate vendor contracts for the fourth time
✓
Restructure how compensation flows through payroll — same wages, lower FICA, better employee benefits
"The only cost reduction on this list that doesn't require taking anything away from anyone — in fact, every employee comes out ahead."
The Process
Two meetings. That's the entire engagement.
We've engineered this to be the easiest financial decision your leadership team will make this year. No RFP. No broker coordination. No open enrollment window. No changes to anything that's already working.
01
20-Minute Discovery Call
We learn your workforce size, structure, and current benefits setup. You ask every question you have — including the hard compliance ones. We show you the preliminary math specific to your organization. No pitch deck. No pressure. No commitment required.
You Ask, We Answer
02
Census Review + Impact Analysis
Your payroll team provides a simple employee count and wage summary. Within 48 hours we return a line-by-line analysis showing exact projected savings by employee class. You'll know precisely what your organization saves annually — before you commit to anything. We don't estimate. We calculate.
48-Hour Turnaround
03
Implementation in 30 Days
If the numbers make sense — and they typically do — your payroll team adds two line items. The carrier manages enrollment, plan administration, claims, and compliance monitoring from that point forward. You see savings on the first payroll cycle after go-live. Your HR team's involvement is minimal by design.
Live Next Payroll Cycle
⚡
No disruption to your existing medical plan. No coordination required with your current broker. No open enrollment window. The fixed indemnity plan runs alongside your current benefits infrastructure — it adds to what employees receive, without replacing or competing with anything in place. Implementation is straightforward because that's how we designed it to be.
Proof
Real companies. Real savings. No caveats.
The implementation was straightforward and the savings were real from day one. The compliance team did their due diligence and came back satisfied. We wish we'd done this two years earlier.
Multi-Unit Employer — 1,200+ Employees
We were skeptical — we'd seen plans like this before that didn't hold up. What made the difference was the carrier backing and the legal documentation. Once our outside counsel reviewed the structure, the decision was straightforward.
CFO, Professional Services Firm — 400 Employees
Our employees ask why we didn't do this sooner. Their take-home pay went up without us changing anything about their wages or existing benefits. That's a conversation every HR director wants to have.
HR Director, Distribution Company — 850 Employees
Savings at Scale
What does this look like for your workforce?
Projections based on $600–$900 per enrolled W-2 employee annually. We run an exact analysis against your actual census — you'll know your specific number within 48 hours.
Workforce Size
Estimated Annual Savings
100 employees
$60,000 – $90,000
250 employees
$150,000 – $225,000
500 employees
$300,000 – $450,000
1,000 employees
$600,000 – $900,000
2,500 employees
$1.5M – $2.25M
5,000 employees
$3.0M – $4.5M
Every enrolled employee simultaneously receives supplemental health coverage at zero out-of-pocket cost — their take-home pay increases while their benefits improve. Get your exact number →
Employee Benefits Included in Every Plan
✓ 24/7 Telemedicine
✓ Behavioral Health
✓ $0-Copay Prescriptions
✓ Hospital Indemnity
✓ ER Benefits
✓ Wellness Programs
For the CFO
The legal framework is stronger than your tax counsel will expect.
Let's address what every CFO worth their title will ask before signing anything. The short version: this structure has been federal law since 1969, it operates under the same IRS framework that governs Aflac, and it has never once resulted in enforcement action against a participating employer. The longer version is in the table below.
The plans we work with carry independent legal opinions from recognized ERISA and tax counsel — each addressing the specific IRS guidance memos that circulate in broker networks. Those opinions are available for your outside counsel to review. We expect them to. That's how confidence is built.
Question
Answer
Legal basis
Section 125 IRC + Revenue Ruling 69-154. In place since 1969. Governing the same supplemental benefit framework used by Aflac since 1955.
Carrier backing
Plans we place are fully insured by globally recognized carriers — not self-funded, not trust-based. Each carrier independently underwrote and approved the structure.
IRS enforcement history
No employer has ever been penalized for participating in a properly structured, fully insured Section 125 fixed indemnity plan. The IRS has targeted self-funded arrangements — a categorically different product.
IRS proposed rules
Proposed regulations targeting certain structures were never finalized. The one rule that was finalized was vacated by a federal court.
Congressional action
Congress was asked to amend Section 105(b) in 2020, 2022, and 2023. Declined all three times.
Employee protection
Audit defense coverage is included in every plan we place — employees are protected with a three-year look-back period from day one.
Legal opinions
Available for review by your outside counsel. We don't summarize them. We provide the documents.
The Questions We Hear Most
◆Isn't this the type of plan the IRS has gone after?
The IRS has issued guidance targeting self-funded wellness arrangements that lack carrier backing. The plans we place are fully insured by major carriers that each independently evaluated and approved the structure. The IRS's own guidance distinguishes self-funded from fully insured. Your tax counsel will find that distinction in the documentation we provide.
◆We've seen warnings from our broker about plans like this.
Most broker warnings cite the same two IRS Chief Counsel memos. Those memos address plans structured as self-funded trust arrangements — not fully insured carrier-backed plans. We'll show you the specific legal analysis addressing each memo. Read it, share it with outside counsel, and make your decision from there. We're not asking you to take our word for it.
◆How is this different from an ERC-style scheme?
ERC schemes were retroactive credit claims with no underlying benefit delivered. This is a prospective, IRS-code-compliant benefits plan where employees receive real, active insurance coverage from day one. The legal basis, the carrier backing, the employee benefits, and the compliance documentation are present and available. This is an insurance product, not a tax play.
◆What happens if the IRS changes its position?
Congress has declined to change the statutory framework three times. The proposed regulations were never finalized. The finalized rule was vacated. We monitor the regulatory environment actively and will advise any client immediately if the landscape shifts. The plans we place also include provisions for plan wind-down without employer penalty if circumstances change.
◆What's the employer's exposure if an employee is audited?
None. Audit defense insurance is included in every plan we place. If any enrolled employee receives an IRS inquiry, their defense is fully funded. The employer's FICA reduction is documented and supported by carrier records. There is no exposure that isn't already covered.
The same tax framework Aflac has used since 1955. Zero enforcement actions against a fully insured plan. Ever. If your current broker told you this doesn't work, ask them why Aflac has been doing it for 70 years.
Be Well Health — Bottom Line Benefits
Why Be Well Health
We say what most benefits consultants won't.
The benefits industry has a problem: the consultants closest to the best solutions are the most cautious about explaining them. Legal risk, broker relationships, status quo bias — there are a dozen reasons why your current advisor hasn't shown you this. We're not burdened by any of them.
Be Well Health is an independent benefits consultancy. We work across industries — manufacturing, distribution, professional services, construction, healthcare, retail, technology — anywhere a company has W-2 employees and wants to be tax-efficient. We evaluate every option in the market and recommend the one that performs best for your specific workforce.
We care about the health and financial wellbeing of your employees. We also care about your bottom line. Those two things are not in conflict here — they move in the same direction at the same time. Your employees get better benefits at no cost to them. Your company keeps more of what it earns. That's what we mean by bottom line benefits.
If you've been told this isn't worth looking at, we'd respectfully suggest that conclusion was reached without looking at the documentation. We have it. We'll share it. The decision is yours.
01
We are independent
We evaluate plans from multiple carriers and providers. We recommend what's best for you — not what generates the highest commission for us. If a plan doesn't perform against our standards, we don't place it.
02
We show you the numbers first
You will see a complete, line-by-line impact analysis specific to your workforce before you make any decision. We don't ask for a commitment based on estimates. You'll know your exact number in 48 hours.
03
We handle the compliance conversation
If your CFO wants to sit down with the legal documentation, we'll join that meeting. If your outside counsel wants to review the carrier agreements and legal opinions, we'll send them. We don't avoid the hard questions — we've already answered them.
04
We work across every industry
FICA applies to every W-2 payroll in the country. If you have 100 or more employees and a standard payroll structure, this conversation belongs on your calendar.
Get Started
Find out what your company has been leaving on the table.
A 20-minute call is all it takes to know whether this makes sense for your workforce. We'll ask a few straightforward questions about your employee count and payroll structure. You'll walk away with a preliminary savings range and a clear picture of what the full analysis will show.
What to expect:
No pitch deck. No pressure. No commitment. We walk through how the plan works, answer every compliance question you have, and give you a preliminary range based on your workforce. If you want a full impact analysis after that, we return it in 48 hours. If you don't, that's fine. We'd rather you make the right decision than a fast one.
Three permission layers: Corporate → Broker → Client. You see down (your client groups), never up. In production, Salesforce enforces this; in this demo, the switcher lets you explore each view.
NotificationsMark all read
Webinar reminder: Legal Review
Friday 6/2 at 10am MT — Erin covers the legal plan.
2h ago
New marketing material available
Updated FICA-savings one-pager added to Resources.
5h ago
Carolina Conceptions renewal in 41 days
7 newly-eligible employees not yet enrolled.
1d ago
Sarah Chen inactive 16 days
Direct downline — a check-in nudge is drafted.
2d ago
✉ Email
📅 Meeting
📊 Pipeline
📝 Contracting
🎥 Webinars
☀ My Day
AI Daily BriefingGenerated 7:02 AM
Good morning, Brad. Your oldest open deal is Oyster Point Hotel — Proposal Sent 9 days ago, still no open. Worth a focused follow-up today. Sarah Chen and James Ruiz in your downline have been inactive 14+ days. 2 groups have renewals inside 60 days (Carolina Conceptions, Pat Bern Construction). Your strongest lever today: the 5 prospects on your call list, two of which are one follow-up from converting.
On Deck for TodayYour 6 tasks due today
Send proposal to Joe & Katie at VHB Summerville YMCA
AI
Drafted yesterday; needs your eyes before it goes out.
Today2 recordsVHB Summerville YMCA
Follow up on Oyster Point Hotel proposal
AI
Sent 9 days ago, no open. AI suggested a check-in.
TodayOyster Point Hotel
Carolina Conceptions PA — re-enrollment push
AI
7 newly eligible employees. Renews Jul 9.
TodayCarolina Conceptions PA
Coordinate with USA Insurer plan managers
BR
Working with Karl + others to bring distribution under the USA Insurer structure.
TodayGroup discussion
Check in with Sarah Chen (16d quiet)
AI
Direct downline. Proposal sitting unsent. Drafted nudge ready.
TodaySarah Chen
Build custom enrollment-deadline reports
BR
Group enrollment vs. completion tracker.
TodayGroup discussion
Upcoming Live Training
Legal Review
Friday 6/2 · 10am MT Erin walks the legal plan.
Pitch Training
Tuesday 6/7 · 2pm MT How to run the Bottom Line pitch.
Your agency at a glance — your licensed agents, your marketing agents, who’s producing, and where your revenue comes from. You see down — your directs, their recruits, and the groups they write — never up.
Licensed Agents
100
20 Direct / 80 Downline
Marketing Agents
100
20 Direct / 80 Downline
+
Recruit Agent
AI Watch
Sarah Chen (licensed, direct) hasn’t logged in for 16 days and has a proposal sitting unsent. James Ruiz (licensed, under Maria Lopez) completed training but hasn’t written his first group in 21 days — classic stall point. Across your marketing agents, two have gone quiet 14+ days. Suggested action: a check-in nudge to each, drafted and ready to send.
Top Performing Agents
Revenue TrendLast 6 months
Total revenueLicensed agentsMarketing agents
Licensed-driven revenue runs ~80% of your total — the gap is the analytics signal: each licensed agent you sign yourself outproduces helping an agent recruit their own downline.
▾Your Hierarchy
BR
Brad RenzelmanYou · Direct to Corporate
14 groups5 directs
Sarah ChenLicensed · Top
3 groups16d idle
Maria LopezLicensed · Top
6 groups2 downline
James RuizLicensed · Mid
0 groupsnew · 21d
Devon PrattMarketing Agent
referrals onlyactive
David KimLicensed · Mid
2 groupsactive
Ryan ParkLicensed · Mid
2 groupsactive
Tina AlvarezLicensed · Top
3 groupsno downline yet
▾All Agents
Agent
Relationship
Contract
Groups
Status
Sarah Chen
sarah.chen@example.com
Direct
Licensed · Top
3
Idle 16d
Maria Lopez
m.lopez@example.com
Direct
Licensed · Top
6
Active
David Kim
d.kim@example.com
Direct
Licensed · Mid
2
Active
Ryan Park
r.park@example.com
Direct
Licensed · Mid
2
Active
Tina Alvarez
t.alvarez@example.com
Direct
Licensed · Top
3
Active
James Ruiz
under Maria Lopez
Indirect · L2
Licensed · Mid
0
No first group
Devon Pratt
under Maria Lopez
Indirect · L2
Marketing Agent
—
Active
Showing 7 of 200 agents (representative sample) · full roster syncs from Salesforce in production.
Build contracting links and invite agents into your downline. Each link carries its own compensation structure; each invite is tracked from send to opened to onboarded.
Select a Code on the left to preview compensation.
First
Last
Email
Phone
Type
Website
Code
Password
Invite Sent
Days
Actions
+ New Prospect
+ New Agent
Discovery
Census Sent
Impact Report
RFC
MSA
Implementation
Pipeline by Stage
AI Next-Best-Action
Focus order today: (1) ABC Company — RFC out, awaiting signature; nudge the decision-maker. (2) Oyster Point Hotel — census sent 9 days ago, no return; follow-up drafted. (3) Coastal Provisions Co. — impact report landed strong; push to RFC.
New Lead
Your closed clients — every group you’ve placed and that’s now paying premium. Members, plan in force, renewal timing, and AI Renewals to keep nothing slipping through the cracks.
Active groups
14
2 added this quarter
Covered members
612
across all groups
Monthly premium
$148k
in-force, all groups
Renewals < 60d
2
action needed soon
AI Renewals
Carolina Conceptions PA renews in 41 days and has 7 newly-eligible employees not yet enrolled — a re-enrollment push could add ~$1.9k/mo. Pat Bern Construction renews in 58 days with clean utilization; a one-click renewal packet is ready.
Your contracting paperwork and your groups’ plan documents in one place. The system watches every expiration and completeness gap — an expiring license or missing form gets flagged before it becomes a problem.
AI Document Check
Your file is complete and current except your E&O certificate expires in 38 days — a renewal reminder is scheduled. All 14 groups have current plan documents on file.
Everything you need to sell, in one library — decks, one-pagers, plan brochures, compliance references, and ready-to-send templates. Or just ask the assistant and it pulls the right asset and tailors it to your prospect.
Ask the BWH Assistant
Ask for anything — “a FICA-savings summary for a 75-employee restaurant” or “the CFO objection script.” The assistant drafts from approved, compliant materials.
Sales Library
📊
BWH Sales Deck
The core Bottom Line Benefits presentation. Updated this week.
💰
FICA Savings One-Pager
Employer payroll-tax savings explained on a single page.
📝
Quantum 2.0 Plan Brochures
Plan 1950, Rx, Accident & Critical Illness riders.
CFO, HR, “is this too good to be true,” and Aflac-convert plays.
✉
Email & Follow-up Templates
Intro, proposal, nudge, and renewal sequences.
Get certified, stay sharp, and rehearse the hard conversations before you have them for real. Courses track your progress; the AI roleplay lets you practice the pitch against the personas you actually meet.
Certification
In progress
3 of 4 core courses done
Courses complete
7
incl. electives
Roleplay sessions
12
avg score 84%
Core Curriculum
What Is Be Well Health?
The model, the math, and why it’s different. Complete
The Bottom Line Benefits Pitch
Structuring the FICA-savings conversation end to end. 60%
Section 125 Fixed Indemnity
The compliance backbone, in plain English. Complete
Audit Defense Explained
What to say when a CFO asks “what if we’re audited?” Complete
Live Training — Upcoming
🎤
Handling the CFO Objection
Live session · Thursday 1pm MT · Practice the audit-defense + math conversation with a senior trainer.
AI Roleplaypractice against a live persona
Pick who you’re up against. The assistant plays the role, pushes back like the real thing, and scores you on objection handling, clarity, and close.
💼
The Skeptical CFO
Wants the math and the audit answer.
👤
The HR Director
Cares about employees and admin load.
🏢
Small-Business Owner
Busy, blunt, “why should I care?”
🔄
The Aflac Convert
Already has supplemental — why switch?
Your earnings dashboard. Trends, expected income, override breakdowns, and Quantum carrier remittances — all in one place. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
Compensation will pull your real commission ledger from Salesforce: direct overrides, downline overrides, marketing-agent spread, and month-over-month income trends. For now, the Revenue Trend chart in Agents previews the shape.
Expected next month
~$71k
projected, all sources
Licensed override
~80%
of your revenue
Marketing spread
~20%
of your revenue
Network-wide messages, carrier announcements, and Corporate broadcasts. Click any item to read the full thread. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
The full Messages module threads carrier updates, Corporate broadcasts, and training announcements with read/unread tracking. Below is the current dashboard feed.
📢
Updated BWH Sales Deck now available
New FICA-savings one-pager in Resources.
2h ago
🎓
Live training: Handling the CFO objection
Thursday 1pm MT · register in Training.
1d ago
✅
Carrier update — Quantum 2.0 plans
Two new plan tiers added to the catalog.
3d ago
Live and on-demand pitch coaching, persona roleplay scoring, and recorded objection-handling reps. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
Pitch Training will house the AI roleplay personas (the Skeptical CFO, HR Director, Aflac Convert) and your scored reps. The core curriculum lives in Training today; this module breaks the pitch-practice piece out on its own per Brad’s nav.
🎤
Next live session: Pitch Training
Tuesday 6/7 · 2pm MT · running the Bottom Line Benefits pitch end to end.
BWH support, broker onboarding help, and compliance Q&A. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
Help & Support will route questions to BWH member services, surface onboarding guides, and answer compliance FAQs. For now, reach support directly below.
✉
Email support
support@bewellhealth.ai
📞
Broker services
Mon–Fri, 8am–6pm MT
Compliance documents, agent contracts, group plan documents, and the audit-defense reference library. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
Documents will centralize plan summaries, the Section 125 legal opinions, signed group agreements, and agent contracting paperwork — searchable, with expiration flags.
Onboarding curriculum for new licensed agents — Section 125 fundamentals, FICA-savings math, the BWH pitch, and certification. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
Bootcamp runs every new agent through the core curriculum and certification before they write their first group. Pitch practice lives in Pitch Training.
Live training sessions and the on-demand recording library. Currently in design; the full module ships in the next pilot.
Module under constructionComing next pilot
Webinars surfaces upcoming live sessions (Legal Review, CFO objection handling) and the searchable recording archive.
Pick a time to meet with the BWH team. Calendar invites go to every contact you added.
Corporate · Admin
Be Well Health
Sign in to the corporate back office.
Prototype preview · demo password: corporate
Be Well Health / Corporate
Network Dashboard
ViewCorporate▾
Corporate Current
Broker →
Client →
Three permission layers: Corporate → Broker → Client. You see down (every broker view, every client group), never up. In production, Salesforce enforces this; in this demo, the switcher lets you explore each view.
WC
Wealbridge Capital
Corporate · Admin · Sees all brokers + all clients
The whole network at a glance — every broker, every group, every client. The system rolls up the book, surfaces what’s slipping, and tells you which brokers and deals need a push today.
Brokers in network
15
13 active · 2 going quiet
In-force groups
84
across all brokers
Covered members
4,200
network-wide
Monthly premium
$1.05M
in-force, all groups
Active prospects
80
network pipeline
Closing this month
11
across 9 brokers
Brokers going quiet
2
inactive 14+ days
Renewals < 60d
9
network-wide
AI Network PulseGenerated 6:45 AM
The network wrote $1.05M in monthly premium across 84 groups and 4,200 members. 11 deals are positioned to close this month. Two brokers need attention: Tom Bradley (18 days quiet, 5-group book at risk) and Rachel Kim (22 days quiet). 9 group renewals fall inside 60 days — the two soonest are Carolina Conceptions PA (Brad Renzelman, 41 days) and Pat Bern Construction (Brad Renzelman, 58 days). Top producer this month: Sandra Mitchell (3 closings).
5-group book, no logins — broker-watch nudge queued.
now
📅
9 renewals inside 60 days
Across 7 brokers — renewal packets staged.
today
📝
3 broker E&O certificates expiring
Document audit flagged Brad Renzelman + 2 others.
1d ago
The full broker network — every broker, their book, their downline, and their flight-risk status. You see down into any broker’s book and any group they write. The system watches for brokers going quiet so a stalled book never goes unnoticed.
Brokers
15
top-level, direct to corporate
Agents in network
535
brokers + full downline
Avg book / broker
5.6
groups in force
Going quiet
2
inactive 14+ days
AI Broker Watch
Tom Bradley hasn’t logged in for 18 days — his 5-group book has two renewals approaching and no activity. Rachel Kim is 22 days quiet with a 3-group book. Both fit the early-attrition pattern; check-in nudges are drafted and a re-engagement call is suggested for each before month-end.
+ 11 more top-level brokers — see full roster below
All Brokers
Broker
Book (groups)
Downline
Monthly premium
Status
Brad Renzelman
Direct to Corporate
14
200
$148k
Active
Sandra Mitchell
Direct to Corporate
11
60
$108k
Active
Marcus Webb
Direct to Corporate
9
48
$99k
Active
Elena Rodriguez
Direct to Corporate
8
40
$90k
Active
Priya Shah
Direct to Corporate
7
35
$78k
Active
James Coleman
Direct to Corporate
6
30
$66k
Active
Grace Liu
Direct to Corporate
6
28
$63k
Active
Tom Bradley
Direct to Corporate
5
24
$54k
Quiet 18d
Derek Foster
Direct to Corporate
4
20
$45k
Active
Nina Patel
Direct to Corporate
4
15
$42k
Active
Carlos Mendez
Direct to Corporate
3
12
$34k
Active
Rachel Kim
Direct to Corporate
3
10
$31k
Quiet 22d
Anthony Russo
Direct to Corporate
2
6
$22k
Active
Olivia Grant
Direct to Corporate
1
4
$11k
New · ramping
Wesley Tran
Direct to Corporate
1
3
$10k
New · ramping
15 brokers · 84 groups · 535 agents · $1.05M/mo combined. Brad Renzelman’s book (14 groups, 200 downline — 100 licensed + 100 marketing, $148k) is one of fifteen — open his broker view.
Every pending recruit across the network, with the approve / reject flow in one place. The system runs each candidate through the document checklist automatically and routes the contract to corporate for final sign-off.
Pending recruits
8 network-wide
5 licensed · 3 marketing
Awaiting corporate sign-off
2 contracts
fully documented
Onboarded this quarter
19 agents
across 11 brokers
AI Onboarding
Priya Nair (under Brad Renzelman) and Lauren Diaz (under Sandra Mitchell) are fully documented and queued for your approval. Robert Hayes is missing only his E&O certificate — an upload reminder has been sent. Three marketing partners are early in document collection.
Pending Onboarding — Network
Recruit
Upline broker
Type
Stage
Action
Priya Nair
6 of 6 docs
Brad Renzelman
Licensed
Awaiting signature
Lauren Diaz
6 of 6 docs
Sandra Mitchell
Licensed
Awaiting signature
Robert Hayes
5 of 6 docs
Brad Renzelman
Licensed
Docs in review
Kevin O’Neal
4 of 6 docs
Marcus Webb
Licensed
Docs in review
Angela Brooks
3 of 6 docs
Elena Rodriguez
Licensed
Docs in review
Marcus Bell
0 of 3 docs
Brad Renzelman
Marketing
Invited
Sofia Reyes
1 of 3 docs
Grace Liu
Marketing
Invited
Brian Tate
0 of 3 docs
Priya Shah
Marketing
Invited
The network-wide pipeline — every active prospect across all 15 brokers. Filter by broker, and let the system surface the deals that are stuck so you know where a corporate nudge moves the number.
New Lead 18
Communicating 29
Proposal Sent 17
Presentation 9
Closing 7
AI Next-Best-Actionnetwork-wide stuck deals
Six deals have been static 8+ days. Highest leverage: Northgate Resorts (Sandra Mitchell, proposal stalled 12d, $46k potential), Oyster Point Hotel (Brad Renzelman, 9d no open), and Cedar & Vine Group (Marcus Webb, awaiting census 11d). Re-engagement drafts are staged for each broker.
All in-force groups across the network — members, premium, plans, and renewal timing. Filterable by broker. The system flags every renewal and enrollment gap network-wide before it costs anyone a group.
Active groups
84
across 15 brokers
Covered members
4,200
network-wide
Monthly premium
$1.05M
in-force, all groups
Renewals < 60d
9
across 7 brokers
AI Renewalsall renewals < 60 days
9 groups renew inside 60 days. Soonest: Carolina Conceptions PA (Brad Renzelman, 41 days, 7 newly-eligible — re-enrollment push staged), Pat Bern Construction (Brad Renzelman, 58 days), Lakeside Bistro Group (Sandra Mitchell, 33 days), and Verde Hospitality (Marcus Webb, 47 days). One-click renewal packets are ready for all nine.
Filter groups
In-Force Groups — Network
Group
Broker
Members
Monthly premium
Renewal
Carolina Conceptions PA
Raleigh, NC · Quantum 2.0 Plan 1950 + Rx
Brad Renzelman
53
$14,310
41 days
Lakeside Bistro Group
Madison, WI
Sandra Mitchell
74
$18,500
33 days
Verde Hospitality
Santa Fe, NM
Marcus Webb
61
$15,250
47 days
Pat Bern Construction LLC
Trenton, NJ
Brad Renzelman
48
$12,000
58 days
Apex Logistics
Dallas, TX
Brad Renzelman
120
$28,800
11 mo
Granite Peak Foods
Denver, CO
Elena Rodriguez
95
$23,750
4 mo
USMH Corporation
DBA Promeniq
Brad Renzelman
106
$30,280
7 mo
Coastline Senior Living
Charleston, SC
Priya Shah
132
$33,000
6 mo
Showing 8 of 84 groups (4 of Brad Renzelman’s 14 shown) · view all groups
Every broker contract and every group plan document across the network, in one place. The audit watches expirations and completeness gaps network-wide — an expiring credential anywhere gets flagged before it becomes a compliance problem.
AI Document Audit
3 broker E&O certificates expire inside 60 days — Brad Renzelman (38 days), Derek Foster (51 days), and Nina Patel (12 days, urgent). One licensed agent (Sarah Chen, under Brad) has an insurance license renewing in 44 days. All 84 groups have current plan documents on file; Carolina Conceptions PA has 7 outstanding enrollment forms.
The sales library every broker draws from — and the only place it can be edited. Corporate owns the master assets: edit, version, and publish updates that propagate to all 15 brokers’ resource shelves.
AI Content Suggestions
Network usage suggests two gaps: brokers are improvising a “cannabis / hospitality payroll” objection script (requested 22 times this month, no asset). And the FICA Savings One-Pager is the most-shared asset — a vertical-specific variant for senior-living groups would likely lift close rates. Drafts can be generated for your review and publishing.
Master Sales Library
📊
BWH Sales Deck
The core Bottom Line Benefits presentation. v4.2
💰
FICA Savings One-Pager
Most-shared asset network-wide. edit pending
📝
Quantum 2.0 Plan Brochures
Plan 1950, Rx, Accident & Critical Illness riders. v2.0
⚖
Compliance & Legal Opinions
Section 125 structure, ERISA standing, audit defense. current
💬
Objection-Handling Scripts
CFO, HR, Aflac-convert plays. 1 requested variant
✉
Email & Follow-up Templates
Intro, proposal, nudge, and renewal sequences. v3.1
Network curriculum management — assign courses, track completion by broker, schedule live training, and watch the AI roleplay leaderboard. Corporate owns the certification path the whole network runs.
Next session Thursday 1pm MT · 9 brokers registered · senior trainer leads the audit-defense + math conversation.
Client Portal
Be Well Health
Enter your access password to continue.
Password provided by your Be Well Health advisor.
Be Well Health / Client Portal
My Plan
CC
Carolina Conceptions PA
Client · HR Admin at Carolina Conceptions PA
Your Be Well Health plan at a glance — what you offer, what it costs, who’s covered, and when it renews. Everything here is your group’s information only.
Your plan
Quantum 2.0
Plan 1950 + Rx
Monthly premium
$14,310
group total, in force
Enrolled / eligible
53 / 60
7 newly eligible
Renews
Jul 9, 2026
41 days away
AI Plan Summary
Your group runs the Quantum 2.0 Plan 1950 with a prescription (Rx) rider and Accident / Critical Illness coverage. In plain terms: it’s a Section 125 fixed-indemnity plan that pays set cash benefits on covered medical events — layered on top of your major-medical, not replacing it — and it lowers payroll tax for the company while raising employee take-home pay. 53 of your 60 eligible employees are enrolled; getting the remaining 7 enrolled before the Jul 9 renewal maximizes both the FICA savings and their coverage.
All 60 eligible employees and where each one stands. The 7 who haven’t enrolled yet are flagged — send a reminder in one click, and let the system suggest the best time to push.
Eligible
60
full-time employees
Enrolled
53
88% participation
Not enrolled
7
newly eligible
AI Enrollment Push
Your 7 unenrolled employees are all newly eligible this quarter. Best window to nudge: this Thursday–Friday, when open rates on benefit emails peak for your group. Enrolling all 7 before the Jul 9 renewal would add roughly $1.9k/month in premium and bring participation to 100%. A reminder is drafted and ready — send to all 7 at once, or one at a time below.
Employee Roster — All 60 Eligible
Employee
Department
Status
Action
Your plan paperwork and the compliance library behind it. The plan documents, your enrollment forms, and the Section 125 legal materials — all in one place for your HR team and your CFO.
Independent legal analysis of Section 125 fixed-indemnity structure and ERISA compliance standing.
📋
IRS Advisory Letters
IRS guidance confirming the tax treatment of fixed-indemnity claim payments under Section 125.
🏥
Carrier Compliance Analysis
State-by-state carrier authorization records and plan compliance documentation.
📰
Articles & Briefings
Curated regulatory updates and market briefings on Section 125 plan administration.
How your plan is being used — claim activity, payouts, and utilization trends for your group. The system watches for anything unusual so you’re never surprised at renewal.
Claims YTD
31
across 53 enrolled
Total paid YTD
$48,200
benefits to employees
Avg payout
$1,555
per claim
Pending
2
in processing
AI Trend Watch
Utilization is tracking normal for a group your size — 31 claims YTD against 53 enrolled is right in the expected band. One small signal: accident-benefit claims are up modestly this quarter (5 vs. 2 prior), consistent with seasonal activity, not a cost concern. No anomalies requiring action.
Recent Claim Activity
Employee
Benefit
Date
Amount
Status
J. M.
Hospital admission
May 12, 2026
$3,200
Paid
A. R.
Accident / ER visit
May 4, 2026
$1,150
Paid
D. K.
Outpatient procedure
Apr 27, 2026
$2,400
Paid
L. T.
Critical illness
Apr 19, 2026
$5,000
Paid
S. P.
Hospital admission
Apr 8, 2026
$1,800
Processing
M. G.
Accident / ER visit
Apr 2, 2026
$900
Processing
Showing 6 of 31 claims YTD · employee names shown as initials for privacy.
Your people when you need them — your dedicated broker, Be Well Health support, and an assistant for the routine plan questions you don’t want to wait on.
Your Broker
BR
Brad Renzelman
Your licensed Be Well Health broker
Brad placed and services your Quantum 2.0 plan. Reach him for plan changes, renewals, or adding employees.
Be Well Health Support
✉
Email support
support@bewellhealth.ai
📞
Member services
Mon–Fri, 8am–6pm MT
📄
Claims questions
Routed to your plan administrator
AI Assistantanswers routine plan questions
Ask anything about your plan — “how do I add a new hire?”, “what does the Rx rider cover?”, or “when is my renewal?” The assistant answers from your plan documents and routes anything it can’t handle to Brad or support.
Be Well Health / Back Office
Organization Information
Manage the entity captured at contracting. These details reflect whether you contracted as an individual or a company.
Capture where you're licensed, your producer numbers, coverage lines, and uploaded license documents. E&O coverage is required to write Quantum Health Benefits.
Select License Type
Resident State License
Manage your primary state license.
Non-Resident Licenses
Add and manage additional state licenses.
Resident State License
Non-Resident Licenses
E&O Coverage ⚠ Required for Quantum
Uploaded Policy
EO_policy.pdf
Active E&O coverage is a compliance gate — without it on file, Quantum business cannot be submitted.
Automation · intentLicense-expiry renewal
When a license is within 30 days of expiring, Be Well Health will automatically email you to renew. If a license lapses, business is blocked in that state until it's updated. Planned automation — not active in this prototype.
Your W-9 tax information on file.
Direct deposit details. All commission payments are deposited on the 15th of each month.
A quick view of your hierarchy. Your full downline lives in your Profile view.
BR
Brad RenzelmanYou
SC
Sarah ChenDirect
MT
Marcus TranDirect
Full hierarchy management lives in the Profile view (deprioritized here per spec).
Your Quantum Health Benefits compensation grid. read-only
Manage users on your organization account.
Name
Email
Role
Brad Renzelman
demo@bewellhealth.ai
Owner
You
Jamie Lee
jamie@demo.bewellhealth.ai
Admin
Light stub — Brad didn't narrate this panel; full user management is a later build.
Every agreement you've signed with Be Well Health is retained here. When your compensation changes, a new commission addendum is issued for your agreement.
Automation · intentAddendum generation
When your comp changes (e.g. $20 → $23), the system will generate the new commission addendum for you to review and agree to in-system. The generation engine is a later build — this prototype shows the agreements list and the agree action only.
Your personal information.
You can change your password at any time.
At least 8 characters including a number, a symbol (!@#$%&), and upper & lower case letters.
Add a second layer of security to your Back Office login.
Two-Factor Authentication Not Set Up
Protect your account with an authenticator app.
Nice-to-have for launch — stubbed in this prototype (no real authenticator binding).
Biometric authentication.
Biometric authentication isn't part of the launch scope — included here as a thin placeholder only.
Get contracted with Be Well Health — start selling Quantum Health Benefits.
Be Well Health
Agent Contracting
Start contracting with
Be Well Health
You're one step from offering Quantum Health Benefits to your clients. Submit your contracting and you'll get an Agent number, a personalized quoting link, full Back Office access to manage your book, and the marketing materials to grow. We're glad to partner with you.
Start Here
Complete the form to begin your contracting process.
By moving forward you agree to our Terms of Service and Privacy Policy.
Get Started
Entity Type & Information
Compensation
Products Compensation
Quantum Health Benefits — Your Compensation read-only · code
IRS W-9 Information
Deposit Information
All commission payments are deposited on the 15th of each month.
License Information
About Your License
E&O Coverage
Non-Resident Licenses
To activate a state for sales, upload your non-resident license information through the Agent Portal. For each state, provide: license number, expiration date, and a copy of your license. Once submitted, the state is enabled and you're authorized to sell.
Questionnaire
Please answer all 14 compliance questions.
Files
Upload your supporting documents.
Back Office Access
Set your Back Office access credentials.
Choose a password with at least 8 characters including a number, a symbol (!@#$%&), and upper and lower case letters.
Submit
Check and submit your contracting information.
Agent Agreement
Prototype placeholder — actual agreement to be drafted by Wealbridge legal counsel
Be Well Health Independent Agent Agreement (Placeholder)
This Agreement is entered into between Be Well Health ("Company") and the undersigned independent agent ("Agent"). It sets out the terms under which the Agent may market and place the Company's Quantum Health Benefits products. The following clauses are neutral placeholders that mirror the structure of a standard agent agreement; final terms will be drafted by Wealbridge legal counsel.
1. Appointment. The Company appoints the Agent as a non-exclusive independent contractor to promote and solicit applications for the Company's products in jurisdictions where the Agent is properly licensed.
2. Compensation. The Agent will be paid the commissions reflected in the compensation schedule attached to the Agent's contracting code, as configured by the Agent's upline. Compensation is earned on in-force, paid business.
3. Independent Contractor. Nothing in this Agreement creates an employment, partnership, or joint-venture relationship. The Agent controls the means and manner of their activities.
4. Materials. The Company furnishes approved marketing materials; the Agent uses only Company-approved materials and makes no unauthorized representations.
5. Plan Changes. The Company may modify or discontinue plans on reasonable notice.
6. Non-Solicitation. During the term and for a defined period after, the Agent will not solicit the Company's agents or members away from the Company.
7. Indemnification. Each party indemnifies the other against losses arising from its own breach or misconduct.
Electronic Signature
✓
Welcome to Be Well Health, Agent!
Your contracting has been submitted. Here's what's next:
