Pasito

Standardizing plan documents, proposals and census files that arrive in a hundred formats is the model work carriers and consultants buy, along with an always on employee benefits agent. Microsites, communications and enrollment would keep functioning without models.

Agents handle data entry, document creation and client setup, and an employee facing agent answers benefits questions with no person involved. A review gate, approval step or escalation path is not described for any of it.

Press coverage of the February 2026 Series A reports 98 percent plan construction accuracy against a 74 percent LIMRA average, but the figure does not appear on the firm's pages. Accuracy method, error rates by plan complexity and model documentation are not published.

Premiums of $106 billion managed, 10.1 million employees supported and more than 8,400 employers are the homepage aggregates, beside logos such as OneDigital, Lockton and Reliance Matrix. No testimonial or case detail sits behind the logos.

Models are customized per client using only that client's data, never shared or repurposed, employee data trains no AI without explicit approval, and a zero data retention agreement discards Claude inputs and outputs at session end.

Census files carry names, salary, dependents and coverage elections, and the privacy policy effective November 9, 2023 covers the platform, app and integrations, listing health, benefits and financial data among what it handles. Retention and a subprocessor list are not published, with subprocessor documentation offered on request.

Prescient Assurance audited the SOC 2 Type II examination, and AES 256 at rest and TLS 1.2 or higher in transit are stated. Documentation requests go to the privacy contact, with no trust portal linked.

Where it acts as a HIPAA business associate of a health plan, the firm complies with HIPAA, and safeguards for protected health information are described. The federal employee benefits statute and the fiduciary duties of its customers are not addressed.

Election and engagement rates measure conversion, not whether a recommendation served the employee, and a high deductible plan that suits a healthy saver can be wrong for someone managing a chronic condition. What recommendations optimize for, and whose interest wins when employer, carrier and employee diverge, is unpublished.

Misconstructed plans usually surface at a claim, after an employee chose coverage on a configuration nobody reexamined. Who bears that loss is never stated, and nothing records or contests an agent's plan build.

Anthropic, the provider behind Claude, is named as the model provider. Its hosting provider stays undisclosed.

Ingestion of plan documents and census files in any form is the hard part and the product. Not one benefits administration, payroll or recordkeeping system is named, and no developer documentation is published.

Service is meant for the United States, with data transferred to and handled there. Hosting provider, region and tenancy separation are not named.

A demo request is the only route, with nothing priced for buyers ranging from a national carrier to a single employer running one enrollment a year. Pricing by plans constructed, employees covered or premiums managed is never indicated.

Benefits consultants and brokers, insurance carriers and employers each get separate material and arguments, across group health, life and related benefits. Property and casualty, banking and capital markets sit outside the employee benefits boundary.