Frontier AI, given one job: your benefits.

Keel takes a frontier model and grounds it entirely in benefits and HR: your documents, your record, your rules. In the Keel app, by email, and in live chat.

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Most tools answer from a script. Keel grounds a frontier model in the documents that govern your plans: thousands of state and city compliance documents, the federal rules above them, and your own benefit materials. Then it loads your record. The answer is not about plans in general. It is about yours.

State and city compliance documents

Thousands of them: leave laws, posting rules, notice requirements, by jurisdiction.

Federal requirements

ERISA, ACA, COBRA, FMLA, HSA and FSA rules: the frame every plan lives inside.

Benefit materials

Plan documents, SBCs, rate tables, carrier summaries: the fine print, actually read.

Your own record

Census, plans, elections, org data: partitioned per employer, never shared, never trained on.

Cites everything

Every answer carries the document and page it came from.

Refuses to guess

Outside the documents, she says so and hands off, rather than improvising.

Speaks English & Spanish

The same cited answer in the language your people think in.

Never trains on your data

Contractual, in the Terms, not a settings toggle.

Partitioned per employer

Retrieval is walled by construction. Cross-tenant is impossible, not filtered.

Introducing the Keel Model Suite.

Thirteen products, one model, turned on per client by your broker. Examples throughout are Brightwave, Keel’s demonstration employer.

Keel Insights New

Enrollment analytics & questions

Every system reports elections. Only Keel can tell you what your people asked, because Amanda answered them. It arrives as an email.

Enrollment closed Friday. Three things worth knowing before your renewal call.

Enrolled
96%184 of 192, no chasing
Asked Amanda
412questions, all answered
Wish we offered
#1fertility coverage
What they actually asked
  • Is my doctor in network?41
  • What does the HSA cost me?33
  • Can I add my partner?22
  • What happens if I do nothing?18

Thirty of the forty-one asking about networks were looking at the HMO. That is a plan-design conversation, not a communications one.

Brightwave is Keel’s demonstration employer. Real shape, real arithmetic, invented company.
Specification
1.1Every question, counted by topic
1.2Enrollment rate and funnel, live through the season
1.3What they wished you offered, ranked
1.496% enrolled, 412 questions answered

Today: an annual survey vendor, exit notes in a folder, headcount modelled in a spreadsheet.

Keel Pulse

Employee surveys & pulse

A standing pulse instead of an annual engagement survey. Amanda runs it, people actually answer her.

Two questions about the new dental plan. Twenty seconds, I promise.72% respondedeNPS +12
Specification
2.1The model sends the pulse and asks the follow-up
2.2Answered to Amanda in chat, not on a form
2.3Themes and eNPS counted, not eyeballed
2.472% response on the last pulse

Keel Retention

Exit interviews & turnover

Every departure interviewed, the reasons added up, the retention risks you can still fix flagged.

Compensation41%Manager24%Regretted exits down 3 this quarter
Specification
3.1Every departure interviewed by the model
3.2Reasons tallied across exits
3.3The retention risks you can still fix, flagged
3.4Regretted exits down 3 this quarter

Keel Workforce

Workforce planning

Headcount, loaded cost, and the what-ifs, modeled on the census you already keep here.

What-if: 28 hires by JunePriced from the census, liveHeadcount today184Planned by June212Loaded cost of the growth$1.9M
Specification
4.1Headcount and loaded cost, live from the census
4.2What-if scenarios priced before the offers go out
4.3184 today, 212 by June, $1.9M loaded

Today: a comp consultant’s PDF, statements nobody has time to generate, ranges chased state by state.

Keel Comps

Compensation comps

Live market percentiles for every role and metro, not a PDF from last spring.

Sr. Account ManagerDenver metro · 120 matchesYou pay $141kP62 · refreshed 4 days ago
Specification
5.1Live percentiles for every role and metro
5.2Refreshed monthly, defensible in a comp review
5.3P62 for the role, refreshed 4 days ago

Keel Rewards

Total rewards statements

The hidden paycheck, made visible: one statement per employee, generated from the record.

Salary$86,000Benefits$14,300401(k) match$3,900Real total: $104,200
Specification
6.1One statement per employee, from the record
6.2Salary, benefits and match: the real total
6.3$104,200 real total on one page

Keel Ranges

Pay transparency ranges

Posting ranges by state, current and defensible on pay equity, before the job ad goes up.

Senior Account ManagerDenver, CO · hybridPosted per the CO Equal Pay Act · WA current too
Specification
7.1Posted ranges by state, before the ad goes up
7.2Kept current on pay equity as laws change
7.3CO and WA posted before the ad went live

Today: a calendar someone keeps by hand, a leave administrator, a registration service per state.

Keel Compliance

Compliance calendar

The 5500, ACA reporting, required notices: watched, drafted, and never a surprise.

41Form 5500days to file · drafted68ACA 1095-Cdays · data already loaded
Specification
8.1The 5500, ACA reporting and notices, watched
8.2Drafted on the model’s clock, not the deadline’s
8.35500 drafted on day 41 of 60

Keel Leave

Leave navigator

FMLA plus every state layer, walked case by case with the letters written.

✓ Eligibility confirmed, FMLA + CO FAMLI✓ Notices sent, day 2 of 53 Pay coordination drafted for payroll
Specification
9.1FMLA plus every state layer, case by case
9.2Letters drafted, days counted, payroll coordinated
9.3Notices out on day 2 of 5

Keel Multistate

New-state hiring

First hire in a new state? Multi-state registrations and notices sequence themselves.

TX First hire in Texas9 steps, sequenced · 2 done1 Unemployment insurance account done2 New-hire reporting done3 Workers’ comp election next
Specification
10.1Registrations sequenced on the first hire
10.2Notices and postings per jurisdiction
10.3Texas: 9 registrations sequenced, 2 done

Today: a handbook in Word, onboarding checklists, a renewal deck rebuilt from scratch each year.

Keel Handbook

Handbook & policy studio

A handbook that stays current and answers questions, with the section cited.

Cited to Amanda’s answer · updated Aug 2026
Specification
11.1Every answer cites its section
11.2Stays current as policies change
11.3Every answer cites section and date

Keel Onboard

Onboarding & offboarding

Day-one packets assembled, exits COBRA-clean, nothing hand-collated.

Day-one packetOffer · benefits · 401(k) · handbookClean exitCOBRA sent day 3 of 14 · on time
Specification
12.1The day-one packet, assembled
12.2Exits COBRA-clean, nothing hand-collated
12.3Exit packet COBRA-clean, same day

Keel Stewardship

Stewardship & renewal prep

Client surveys, design benchmarks, and the proof-of-value report, ready at renewal.

Questions answered without HR96%Enrollment completed184 of 192Client survey9.1 / 10Benchmarks and plan-design notes attached
Specification
13.1The proof-of-value report, ready at renewal
13.2Benchmarks and plan-design notes attached
13.3Client survey 9.1 of 10 attached

Never trains on your data.

Refuses to guess.

Cites everything.

Start with benefits. Keep the whole year.

Everything above runs on the record Keel already holds: census, plans, elections. No new software, no implementation project. Your broker turns each product on, and Amanda already knows your people.

Talk to usMeet Amanda