Keel Book
Your book of business
Every client, plan year, and enrollment funnel on one screen. Amanda watches the whole book and tells you what needs you first.
Amanda
AI benefits analyst
Amanda provisioned Northwind, parsed their plans, and added them to your board, signed this afternoon
just nowActive clients
18
▲ 3 this quarter
Covered lives
2,940
across the book
Avg enrollment
86%
+11 pts vs 2025
Renewals due
4
next 60 days
Retention
97%
2 yrs running
Amanda's read on your bookLive across 18 clients
Most of your book is healthy. The one to handle first is Tidewater, renewal lands in 22 days and they have not seen numbers yet, so I drafted the renewal pack with three modeled options for your review. Driftwood Co is stalled at 41% enrolled with 6 days left; I queued reminders to the 38 who have not started. Everything else is on pace, and Northwind goes live tonight.
Tidewater renewal in 22 daysDriftwood reminders queuedNorthwind live tonight
Your clients
Every account live on one board. Amanda keeps the status and the number current, so there is no spreadsheet to hand-update.
HCLive
Harborline Co
412 lives · open enrollment, day 9 of 14
91%
TWRenewing
Tidewater
688 lives · renewal in 22 days · pack drafted
···
DCNeeds you
Driftwood Co
214 lives · enrollment stalled · 6 days left
41%
NWOnboarding
Northwind
126 lives · provisioning · plans parsed by Amanda
Set
SBLive
Sextant Builders
340 lives · open enrollment, day 4 of 14
72%
AFLive
Anchor Foods
510 lives · steady state · all filings current
94%
Book by status
Where your 18 clients sit right now.
12
Live · enrolled or steady
2
Onboarding · live within a week
4
Renewing · packs drafted
What Amanda handled this week
Work that used to sit on your team, done across the book.
3 censuses parsed & reconciled
Harborline, Anchor, Northwind
11 SBCs turned into plans
Structured & cited, ready to compare
2 renewal packs drafted
Tidewater & Brackish Mfg, awaiting you
1,860 questions answered
94% never reached your desk
Renewals on the clock
Amanda surfaces every renewal before it costs you.
Tidewater · 688 lives
Pack drafted, needs your review
Brackish Mfg · 290 lives
Pack drafted, awaiting your sign-off
Anchor Foods · 510 lives
On track, options modeled
Keel Onboard
Spin up a new client in minutes
Drop a census, Amanda provisions a fully branded platform, loads the plans from the SBCs, and invites HR. What used to take your team weeks finishes before the kickoff call ends.
Amanda
AI onboarding lead
Amanda is building Northwind Trading Co. · 6 plans parsed from the SBCs, 142 employees synced, branding applied
3:48 elapsedMinutes, not weeks
A live, branded client platform before the kickoff call ends.
No setup team
Onboard more clients with the staff you already have.
Your brand, not Keel's
Every client sees you, on a dedicated domain.
Plans from the SBCs
Amanda parses every plan, no spreadsheets to re-key.
After go-live
The census keeps itself current
The day you hand Northwind live, their HR takes over the roster — adding new hires and processing terminations right inside their co-branded portal. You never chase an updated spreadsheet again. Every change flows straight to the plans, to Amanda, and into the next Employee Navigator export.
NW
142 in sync
Northwind Trading Co. · People
northwind.keelbenefits.com · run by their HR team
What you stopped doing
Always one reconciled roster
Finch keeps payroll in step; HR handles the exceptions. The numbers are right the moment you need them.
Roster change→Plans & eligibility→EN 834 export
Remember the ghost premium I flagged on the bill? When HR terms someone here, the end date flows straight to the carrier file — so you never get billed for a terminated employee again.
Keel Upload
One file in. A client's enrollment out.
Sam dropped Tidewater's census two minutes ago. Amanda is reading every column, mapping it to the plans, and standing up their branded enrollment, while the team would still be opening the spreadsheet.
Amanda
Parsing the census
Amanda is mapping tidewater_census.csv · 18 columns matched to your plans, 247 of 268 rows loaded
live · 1.4sMessy in. Clean out.
Drop the mess. Watch Amanda clean it.
A census, a plan doc, a carrier bill, whatever shape it’s in. Amanda reads it, flags what’s wrong, and hands back something you can actually use, in seconds.
Minutes, not days
Census to live enrollment while the file is still open.
Any file, no template
CSV, Employee Navigator export, or a messy spreadsheet.
Your team reviews flags
Amanda maps the rest, SSNs encrypted, clinical never touched.
More clients, your brand
Onboard a fuller book without adding headcount.
Keel Catalog
Every SBC, one comparable table
Amanda reads each carrier's documents and normalizes them into one structured plan table. No reading PDFs by hand, no retyping into a spreadsheet.
Amanda
AI plan analyst
Amanda just parsed 4 carrier SBCs for Harborline Co into one comparable grid
2 min agoSBCs parsed
4 / 4
Aetna · Cigna · UHC · Kaiser
Fields extracted
96
deductible · OOP · copays · Rx
Time to compare
90 sec
vs 3 hrs by hand
Needs your eye
1
Cigna OON coinsurance
Amanda's read on Harborline Co4 plans normalized
I pulled deductible, out-of-pocket max, copays, coinsurance, and Rx tiers straight from each carrier's SBC and lined them up side by side. The Aetna PPO 1500 and Kaiser HMO are the cleanest value for this census. One field needs your eye: Cigna's out-of-network coinsurance reads ambiguously on page 3, so I flagged it rather than guess.
From a stack of PDFs to one table
Drop the carrier SBCs in. Amanda reads, normalizes, and flags anything she can't be sure of. You review, not retype.
Carrier docs
4 SBCs in
Different layouts · every carrier
AmandaReads & normalizes
96 fields · same schema
You
Review the flag
1 field, not 96
AmandaPublishes plans
Ready to quote & enroll
Harborline Co · 2027 medical, normalized
Extracted from each carrier's SBC. Hover any value in the live product to see the source page.
Field
AetnaPPO 1500
CignaOAP 2500
KaiserHMO
Deductible (ind / fam)
$1,500 / $3,000
$2,500 / $5,000
$1,000 / $2,000
Out-of-pocket max
$6,000 / $12,000
$7,500 / $15,000
$4,500 / $9,000
PCP copay
$25
$30
$20
Specialist copay
$50
$60
$40
Coinsurance (in-net)
20%
20%
10%
Coinsurance (OON)
40%
Needs review
Not covered
Rx (generic / tier 2)
$10 / $40
$15 / $45
$10 / $35
Monthly premium (EE)
$612
$548
$571
UnitedHealthcare Choice Plus also parsed, hidden to fit. 4 of 4 plans normalized and ready to publish to Harborline Co.
ReadyKeel Rules
Configure the plan year by typing
Write a plain-English sentence and Amanda compiles it into real eligibility and contribution logic, validated and ready to confirm. No ticket queue, no config specialist, same day.
Amanda
AI plan configurator
Amanda just compiled a new-hire eligibility rule for Harborline Co from one sentence you typed
just nowClient
Harborline Co
2026 plan year
Rule compiled in
0.4s
from plain English
Config tickets
0
no specialist
Validations
6 / 6
passed
Plan years run
11
across your book
Amanda's note to youReady to confirm
I read your sentence and turned it into two rules: eligibility and an employer contribution. New hires are eligible the 1st of the month after 30 days, and the employer covers 80% of the employee medical premium. I checked both against eligibility and nondiscrimination guardrails, all 6 passed. This used to be a ben-admin ticket and a config specialist. Confirm and it is live for Harborline Co the same day.
No config specialistReads back as your sentenceLive same day
Type it, watch it compile
You typed one sentence for Harborline Co. Amanda parsed it into structured, validated logic.
New hires eligible 1st of month after 30 days, employer covers 80% of employee medical.
Amanda: Compiled into two rules. Eligibility first: waiting period of 30 days, effective the 1st of the following month.
Rule 1 · Eligibility · Harborline Co plan year
Amanda: Then the contribution: employer pays 80% of the employee-only medical premium, employee pays the remainder. Dependents at the plan's default tier.
Rule 2 · Employer contribution · medical
Eligibility rulevalidated
WHEN days since hire ≥ 30 THEN eligible 1st of next month
Contribution rulevalidated
Employer share 80% · employee medical · dependents default tier
Edit a chip →Confirm & make live
What Amanda checked
Every rule is validated before it can go live, so nothing reaches an employee broken.
Waiting period within ACA limits
30 days, well under the 90-day max
Contribution passes affordability
Employee share under the safe-harbor threshold
Nondiscrimination check
Same terms across the eligible class
No conflict with existing rules
Does not override Harborline's open-enrollment window
The same flow, every client
One sentence configures a plan year. You run a bigger book with a leaner team.
HClive
Harborline Co
Eligibility + contribution · compiled today
TWlive
Tidewater
Wellness incentive · $100 to HSA
DClive
Driftwood Co
Class definition · salaried vs hourly
Northwind
Draft a rule whenever you are ready
Every rule reads back as the sentence you wrote, runs under your brand, and flips off in one click.
Keel Brand · Employer portals
A whole portal for every employer
Keel stands up an independent, fully-branded platform for each client, their own login, at their own domain, where their employees enroll, manage life events, and ask questions all year. On your brand, not Keel's.
Amanda
AI brand operator
Amanda applied your Harborline theme to login, enrollment, the app, and 6 email templates
applying nowClients on your brand
38
▲ 6 this quarter
Time to rebrand
12s
not weeks
Dev cost
$0
every client
Retention on book
96%
▲ 7 pts
Amanda's read on your brandLive
Every Harborline employee logs into their own branded portal at benefits.harborline.com to enroll, add a baby, or ask a question, year-round, all under your name. I stand up an identical, independent portal for each of your 38 clients, so your renewal sees your platform, not a vendor pile. I can roll one to Tidewater and Driftwood Co in one click.
5 surfaces themedbenefits.harborline.com live2 clients on old theme
Brand controls
Set it once. The preview, and every client surface, rebrands live.
Brand color
#1E40AF
Harbor Blue
Logo & domain
H
Set
Harborline Co
harborline-mark.svg · uploaded
benefits.harborline.com
Custom domain, SSL issued by Amanda
Where your brand shows up
Not a logo in the corner. The whole experience carries your name.
Login & enrollment
First screen your people see, your brand
The year-round app
Home base after enrollment closes
Emails & nudges
6 templates, every notice from you
Amanda, introduced as your team
Speaks under Harborline's name
Live preview · their own portal
An independent, branded platform for Harborline at benefits.harborline.com. One just like it for every client on your book.
benefits.harborline.com
H
Harborline Co
Enrollment
My benefits
Life events
Documents
Ask Amanda
Open enrollment 2026Start
Welcome to Harborline Co benefits. I'm Amanda, here to help you choose.
82% of Harborline enrolled
Keel runs underneath, quietly. Your clients only ever see you.
Roll to your book
One brand or a distinct theme per client. Your call.
HLive
Harborline Co
Harbor Blue · benefits.harborline.com
TRoll out
Tidewater
Theme drafted, ready to publish
DRoll out
Driftwood Co
Theme drafted, ready to publish
Keel Export
Ben-admin handoff
Amanda turns signed elections into a validated Employee Navigator bundle, then delivers it. No re-keying, no rejected files, no deadline scramble.
Amanda
AI export analyst
Amanda validated 142 Harborline elections and is bundling the EDI 834 for Employee Navigator
just nowElections in
142
Harborline · OE 2026
Re-keyed by hand
0
straight from Enroll
Validation errors
0 / 142
caught here, not downstream
Time to bundle
4 min
vs ~2 days re-keying
Amanda's export readReady to ship
All 142 elections passed validation, mapped to EDI 834 against Employee Navigator's own load rules. I caught 3 dependent date gaps earlier and resolved them with the employees, so nothing bounces at the carrier. The bundle is assembled as HARBOR_OE2026.834 and ready for one-click delivery. Your team did not re-type a single row.
How every bundle ships
Amanda collects, validates, maps, and delivers. You review the receipt, nothing gets re-keyed.
From Enroll
Collect
142 signed elections
AmandaValidate
6 checks · EN rules
AmandaMap & bundle
EDI 834 · 1 file
Employee Navigator
Deliver
Delivered & confirmed
Validation, before it ships
Amanda checks the bundle against Employee Navigator's own rules so nothing bounces at the carrier.
SSN format
142 / 142Dependent coverage
Resolved 3Plan eligibility
CleanEOI flags
2 notedCoverage dates
AlignedDeduction amounts
ReconciledHARBOR_OE2026.834
142 records · 0 errors · 218 KB
Delivery timeline
Harborline this morning. Three more clients queued behind it.
Harborline Co · OE 2026
Validated, bundled, delivered to EN
Tidewater · OE 2026
Bundle assembled, awaiting your review
Driftwood Co · new hires
7 elections collected, validating now
Northwind · OE 2026
Enrollment closes Fri, export pre-staged
Keel Shield
Compliance that files itself.
Amanda tracks every deadline across your book, drafts the filings, distributes the notices, and files on time. 5500s, ACA, gag-clause, RxDC, and nondiscrimination, handled.
Amanda
AI compliance analyst
Amanda filed Harborline's Form 5500 with the SAR attached, and drafted the gag-clause attestation for your e-sign
just nowOn-time filings
100%
across 18 clients
Deadlines tracked
47
this plan year
Notices distributed
2,940
every covered life
Penalty exposure
$0
book is clean
Amanda's compliance readBook is current
Every filing due this quarter is done or drafted. Harborline's 5500 is filed with the Summary Annual Report attached, and ACA 1094/1095-C and RxDC are in. The one to handle is the gag-clause attestation, due in 12 days, I drafted it and it just needs your e-sign. Section 125 nondiscrimination passed for all 18 clients, and I distributed SBCs and the Medicare Part D notice to every covered life. I never see claims or clinical data.
5500 + SAR filedGag-clause due in 12 daysNDT passed · 18 clients
Filings & attestations
Every requirement for this plan year, tracked to its deadline and filed by Amanda. You review and e-sign, nothing gets missed.
Form 5500 + Summary Annual Report
FiledACA 1094-C / 1095-C reporting
FiledRxDC prescription-drug report
FiledGag-clause attestation (GCPCA)
E-sign · 12dSection 125 nondiscrimination test
PassedMedicare Part D creditable notice
Sent5500_HARBORLINE_PY2025.pdf
Filed to EFAST2 · SAR attached · 0 errors
Compliance calendar
Next 90 daysAmanda surfaces every deadline across your book before it becomes a penalty.
Gag-clause attestation · all clients
Drafted, awaiting your e-sign
Harborline · Form 5500 + SAR
Filed to EFAST2, SAR distributed
ACA 1095-C furnishing · 2,940 lives
Generated and delivered to employees
Tidewater · 5500 (next PY)
Data pre-staged, files when PY closes
Notices Amanda distributed
The required member notices, sent to every covered life on your brand, logged with proof of delivery.
SBCs & SPD wrap
2,940 members · proof of delivery logged
Medicare Part D creditable coverage
Before Oct 15, every plan, every client
CHIP & Marketplace notices
New hires and annual, auto-scheduled
Never claims or clinical data
Privacy by design · outside HIPAA scope
Concierge · your book
Amanda answers your clients, 24/7
Every member question across your book, answered from that client's plan documents, cited, in any language. Off your reps' desks, on your brand. Never claims or clinical data.
Amanda
AI concierge · Mainstay Benefits
Amanda just answered a Tidewater member in Spanish and routed one Northwind case to your team
just nowAnswered this month
3,910
across 4 clients
Kept off your reps
93%
never reached a person
Avg response
<1m
24/7, every language
Rep hours saved
214
this month
Member CSAT
4.8
of 5 · service up
Amanda's note to SamThis month
I fielded 3,910 member questions across your book, 93% never reached your team. That is 214 rep hours your service desk did not spend on copay and ID-card questions. Every answer is grounded in that client's own plan documents and cited, and members rate it 4.8 of 5. Hard cases route to your reps with the full transcript. I never see claims or clinical data.
93% kept off your repsCited to each client's plan214 rep hours saved
What a member experiences
The exact chat your clients' members get — cited to their plan, in any language, with your reps' desks untouched.
Keel ConciergeAmanda online
PrivateA member on Tidewater's plan — watch me handle it.
Deflection by client
Questions Amanda resolved without your reps, this month.
96%
Harborline Co · 1,210 asked
94%
Tidewater · 980
91%
Driftwood Co · 740
89%
Northwind · 980 · onboarding
What your clients' members ask
The everyday questions that used to land on your service team, answered from each client's plan, instantly.
"What's my deductible, and how much is left?"
Answered from the SBC + eligibility
"Is Dr. Nguyen in-network on my plan?"
Checked against the provider directory
"How much will this prescription cost?"
From the plan's formulary tiers
"Where's my ID card?"
Pulled real-time from the HRIS
Your brand, one Amanda
She answers as your service desk, on every channel, grounded in each client's own data.
Each client's plan documents
SPDs & SBCs parsed, per client, cited
App, text, and email
From [email protected]
17 languages, one desk
No separate hotline, no per-member fee
Never claims or clinical data
Privacy by design · outside HIPAA scope
When confidence is low, Amanda hands off to your rep with the full transcript, so your team handles only the hard 7%.