Licensed to brokerages and MGAs. Priced to the book, not the seat.
One licence covers the brokerage: every advisor, every client, every renewal you run. What it costs follows the size of the book it is working on, not the number of people who log in.
A licence
Your own workspace and your whole book. Drop a renewal in and the analysis, the levers and the client presentation are yours in minutes, as often as you like.
Full service
Send us the renewal. We send back the work, under your name, ready to put in front of your client. Paid for case by case.
Same engine. One you run, one we run for you.
Contributor brokerages
Early access, a reduced licence, and you help shape what it learns.
Limited spots.
Brokerage licence
A flat annual fee, scoped to your group count.
Enterprise and platform
MGAs, TPAs and HR platforms. Usage or revenue-share, structured per deal.
Send us the renewal. We send back the work.
What you send
The carrier’s renewal package, any carrier. That is it.
You do not need to tell us what to look for. Fathom already reads the whole thing: the drug list drug by drug for generic substitution, biosimilars, prior authorization and provincial exception status; the pooling and trend assumptions; and every place the ask does not match the experience. The problems get found, the recommendations get made and the toggles get built whether you asked for them or not.
A note is optional. Use it when you already know what you want: add optional critical illness, leave the HR platform off, show the health spending equivalent, hold the dental. If we need last year’s renewal or the experience report, we will ask.
What you get
- The findings
- What is wrong with the renewal, what to push back on, and what to show the client instead.
- The full analysis
- The carrier's math rebuilt from its own pages, the ask localized, the working shown.
- Plan options as live toggles
- Each one priced off the group's own claims, so the client can see what a change is worth before anyone asks the carrier.
- The market, where it matters
- A market study and benchmark when the case warrants one.
- Your name on it
- A white-labelled PDF and a password-protected dashboard your client logs into. Fathom is not on the page.
What we do not do
We do not touch your commission. We do not hold your carrier portal logins. We do not place business, quote to the employer, or talk to your client. You are the advisor. We are the desk.
Three levels of hands-on
How it is priced
Per case, invoiced on delivery. It is a fee for work done, never a share of your commission.
The fee follows a disclosed formula with a fixed minimum. Four things move it: covered lives, the number of plan designs, billing divisions, and the premium band. A small group on one plan is the minimum. A large group with divisions and classes is not, because that is where the reading and the checking actually are.
A Sounding is this same work on a single case, under our name, for anyone who sends one. Full service is the standing version for a brokerage, under yours.
Send one renewal. We’ll run it live.
One case, no account, no change of broker. You see the reconciliation, the levers and the client presentation on your own paperwork, and you keep the analysis either way. It is the fastest way to decide which of the two you want.
Your own tenant
Your brokerage runs in its own workspace, isolated from every other, under your brand on the pages your clients see. That is true whichever of us is running the case.
Annual, and reversible
A licence runs a year at a time with no setup fee. Your data exports in full on the way out, because a platform that holds your book hostage is not worth being on.
One case at a time
Not ready for either? A Sounding is the same analysis on a single case, handed back to you.