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Keel Profiles

Your population

Built from your census. Who your people are, what they want, and how to reach them.
Amanda
AI benefits analyst
Amanda re-segmented your 480 employees into 4 personas
just now
Employees
480
12 locations
Median age
39
range 21–67
Median tenure
4.2y
+0.6y vs 2025
Enrolled
78%
▲ 9 pts
Waiving
22%
106 people
Amanda's read on your workforceLive analysis
Your team skews Millennial (45%) with a growing Pre-Retiree tail. Of the 106 waiving, 61 are on a spouse's plan but 29 dropped on cost. Before October: push HSA + accident to Young Savers by text, and mail Medicare guidance to your 80 Pre-Retirees.
29 cost-driven waiversBest channel: email & app (59%)16 new hires unenrolled

Population grid

Your people by engagement and benefits cost. Amanda flags the cell to act on first.
Higher costLower cost
18
Reach first
22
14
26
41
33
40
88
198
Thriving
Lower engagementHigher engagement

Personas

Every employee classified into a life-stage cohort, with what they want and how to reach them.
31%
Young Savers
Under 32, early career. Want HSA, accident, student-loan help.
Text & app
28%
New Families
30s, adding dependents. Want medical, life, fertility.
Email
24%
Established Pros
40s–50s, peak earners. Want PPO, disability, savings.
Email & portal
17%
Pre-Retirees
55+, long tenure. Want critical illness, Medicare guidance.
Mail

Who's waiving coverage

The 106 who declined, and why.
61
On a spouse's plan
29
Cost concern · win back with HSA
16
New hire · not yet enrolled

Generations

Share of workforce by generation.
18%45%26%11%
Gen Z 18%Millennial 45%Gen X 26%Boomer 11%

Age distribution

Employees by age band.
<25
25–34
35–44
45–54
55–64
65+

Best way to reach them

Amanda's recommended channel mix.
59%
Email & app
24%
Text
17%
Mailers
Keel Pulse

Open enrollment, live

Real-time view of your enrollment, completion, engagement, and where people stall.
Amanda
AI benefits analyst
Amanda just messaged the 41 employees predicted to miss enrollment
2 min ago
Enrolled
78%
ahead of pace
Day
5 / 14
closes Oct 31
Avg time
4m12s
−40% vs 2025
Satisfaction
4.8
of 5 · 312 ratings
Questions
1,240
92% self-served
Amanda's read on enrollmentLive analysis
You're 78% enrolled on day 5, ahead of last year's pace. Engineering is lagging at 54%, I've queued a reminder to the 41 who haven't started. Most drop-off happens at the dental step; I simplified the copy and completion there is back up.
Engineering at 54%Reminder queued to 41Dental step fixed

Completion by department

Who's done, who needs a nudge.
91%
Sales · 88 people
84%
Operations · 120
79%
Support · 64
54%
Engineering · 90
88%
G&A · 48

Enrollments per day

Daily completions across the window.
Mon
Tue
Wed
Thu
Fri
Sat
Sun

The funnel

From invite to completed.
Invited480
Opened441
Started402
Completed374

Where people stall

Drop-off by enrollment step.
2%
Profile
3%
Medical
7%
Dental & vision
4%
Voluntary
Keel Concierge

Answers your people trust, all year

Grounded in your plan documents, plain-language answers, deductible and cost lookups, and in-network provider search. 24/7, cited to the plan. Never your claims or clinical data.
Amanda
AI benefits concierge
Amanda just answered 3 questions and found a lower-cost in-network imaging option
1 min ago
Questions answered
1,240
this plan year
Avg response
<1m
24/7
Kept off HR
92%
self-served
Plans grounded
9
SPDs & SBCs cited
Avg saved / lookup
$880
in-network vs hospital
Amanda's note to HRThis year
I answered 1,240 questions, 92% never reached your team. Every answer is grounded in your plan documents and cited. When someone's weighing where to get care, I surface the lower-cost in-network option from public cost data, like the $880 imaging saving below. I never see your claims or clinical data.
92% kept off HRCited to your plan docsLower-cost in-network found

What your people experience

The exact member chat — cited to the plan, in any language, with HR untouched. Watch Amanda work.
Keel ConciergeAmanda online
Private
Amanda
Ask me anything about your benefits — watch me work.

What your people ask

The everyday questions that used to land on HR, answered from the 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 the cheapest in-network MRI?"
Public cost data + quality

Grounded in your data

Every answer cites a real source, no guessing.
Plan documents
9 plans · SPDs & SBCs parsed
live
Provider directory + public cost data
In-network search & price lookups
live
Eligibility & ID cards
Real-time from your HRIS
live
Never claims or clinical data
Privacy by design · outside HIPAA scope
When confidence is low, Amanda hands off to a licensed Keel counselor with the full transcript.
Keel Shield

Safe Harbor

Every filing assembled from your own data, reviewed by a licensed ERISA attorney, e-filed on time. No black box.
Amanda
AI compliance analyst
Amanda just drafted your gag-clause attestation for attorney review
5 min ago
Filings on time
100%
3 years running
Open items
1
gag-clause attestation
Next deadline
Dec 31
drafted, awaiting sign
1095-C coded
462 / 480
96%
Amanda's compliance readUp to date
You're current on everything except the gag-clause attestation due Dec 31, I've drafted it for signature. Every document is assembled from your census, plan docs, and payroll, then reviewed by a licensed ERISA attorney before filing. 1095-Cs: 462 of 480; the rest are new hires pending SSNs.

How every filing happens

Amanda assembles, codes, and files every document. A licensed ERISA attorney signs the ones that matter.
Your systems
Your data
Census · plan docs · payroll
Amanda
Drafts it
Assembles & codes the filing
Your attorney
Signs off
Licensed ERISA counsel
Amanda
Files it
E-filed & archived · 7-yr

Filings & documents

Full plan-year scope, in one place.
Wrap / SPD
Current
Form 5500
Filed Jul 28
Nondiscrimination testing
Passed
ACA 1094/1095-C
96% · in progress
RxDC reporting
Ready
Mental health parity (NQTL)
Current
PCORI fee
Paid
Gag-clause attestation
Due Dec 31

Deadline calendar

What's next, and who owns it.
Gag-clause attestation
Drafted by Keel · needs your e-signature
42 days
1094/1095-C e-file
Auto-filed once SSNs clear
on track
RxDC reporting
Data assembled for Jun 1
ready
5500 + summary annual report
Prepared from plan-year data
done
Keel Continuation

Continuation, on the clock

We watch your HRIS for qualifying events, so nothing slips. Notices, billing, and reinstatement run on the statutory deadlines, white-labeled to you.
Amanda
AI COBRA administrator
Amanda just sent a COBRA notice, a termination your HRIS flagged
4 min ago
Active events
3
this month
Notices on time
100%
within the 14-day clock
Premiums collected
$4,180
auto-reconciled
Reinstatement
Same-day
on payment
Amanda's COBRA readThis month
Your HRIS feed flagged 3 qualifying events, I sent every notice inside the 14-day clock automatically. 2 elected and paid; 1 is within the 60-day window. The moment a premium clears, coverage reinstates same-day and the carrier eligibility file updates. Every step is logged for audit.

How an event flows

Amanda watches your HRIS and runs the whole lifecycle on the statutory clocks. Only the employee's election is theirs.
Your HRIS
Flags the event
Term · hours · divorce
Amanda
Sends notice
Within the 14-day clock
Employee
Elects
60-day window
Amanda
Collects premium
ACH / card · 45-day
Amanda
Reinstates
Same-day · carrier synced

Qualifying events

Each event on its statutory deadline, pulled from your HRIS.
Termination · R. Alvarez
HRIS flagged day 1 · notice sent day 6 · elected · premium paid
Activepaid
Reduction in hours · M. Tan
HRIS flagged day 1 · notice sent day 4 · awaiting election
Pending31 days left
Divorce · J. Okafor (dependent)
Reported day 5 · notice sent day 9 · elected · premium paid
Activepaid
Keel Broadcast

Benefits everyone understands

Built from your plan data and the personas in Profiles. A custom branded guide and a per-persona campaign, tracked all the way to enrollment.
Amanda
AI communications lead
Amanda just generated your 2027 guide in English, Spanish & Vietnamese
8 min ago
Guide
2027
built & branded
Languages
3
EN · ES · VI
Campaign
6 touches
per persona
Open rate
71%
+19 pts vs 2025
Drove enrollment
38%
of completions
Amanda's launch planReady to send
I generated your 2027 guide from the plan data and translated it into Spanish and Vietnamese. The 6-touch campaign is tuned to each persona's channel from Profiles, text for Young Savers, mailers for Pre-Retirees. I'm A/B-testing subject lines, and I can already attribute 38% of completed enrollments back to a specific touch.

How it's made

Plan data in, a branded campaign out, measured to enrollment.
Plan data + personas
From your plans & Profiles
Guide drafted
Branded & translated
Persona-tuned campaign
Right channel, right person
Tracked to enrollment
Closed-loop attribution

Benefits Studio

One click makes every format, in your brand, from your plan data.
Brand found pulled from northwind.com · logo detected
Northwind Traders
2027 Benefits
A clear guide to your medical, dental, and voluntary benefits.
✓ Guide ✓ One-pager ✓ Poster ✓ Postcard ✓ Microsite ✓ Campaign
Open Benefits Studio

Launch campaign

Six touches, per-persona channels, A/B-tested.
Kickoff email · A/B subject
All staff · EN/ES/VI · variant B winning
71% open
Text reminders
Young Savers · day 3 & day 9
scheduled
Break-room posters + QR
12 locations · printed
shipped
Pre-retiree mailer
80 homes · Medicare guidance
queued
Keel Thrive

Healthier teams, less work for you

Measured from real device data. Challenges, tiers, and rewards that drive participation, and outcomes you can report up.
Amanda
AI wellbeing lead
Amanda just set adaptive step targets for 312 people
today
Active participants
64%
+22 pts after nudge
Devices synced
86%
412 of 480
Avg steps / day
7,820
▲ 1,140
Well-being index
72
▲ 6 this quarter
Rewards earned
$8.4k
redeemed YTD
Amanda's wellbeing readFall season
64% active, syncing from Apple Health, Fitbit, and Garmin. Engineering leads the Steps Challenge; gym-discount uptake jumped 22% after last week's nudge. Your aggregate well-being index is up 6 points, and rewards auto-pay on verified device activity. Individual health data is never shown to you.
Adaptive targets set per personAuto-payout on verified device data

Active challenges

Goal type, participation, and time left. Daily caps and team averaging keep it fair.
Fall Steps ChallengeTeam · collective12 days left
64%
Mindful OctoberDaily goal19 days left
41%
Hydration streakPersonal · streakongoing
28%
1EN
Engineering
61,400 avg
2SA
Sales
58,900 avg
3OP
Operations
54,200 avg

Tiers & rewards

Earn points for activity, climb tiers, redeem real rewards. Status unlocks better rewards and extra chances.
28%34%27%11%
BronzeSilverGoldPlatinum
Gift cards & merchant rewards
1,000+ brands · points to spend
HSA & premium credits
Convert points to real dollars
Spin to win · weekly
Variable reward · chances scale with tier

Connected data

Activity measured automatically from the devices employees already use.
Apple Health
214 connected
live
Fitbit & Garmin
180 connected
live
Google Fit & Whoop
18 connected
live
Preventive care reminders
nudges to use covered screenings
Daily check-ins
Mood & habits · self-reported

Results that show up in your numbers

Aggregate and de-identified, individual health data is never shown to you.
Jul
Aug
Sep
Oct
Nov
Now
72
Well-being index ▲6
+8
eNPS this quarter
$8.4k
Rewards paid YTD
Keel Enroll

Guided enrollment, with Amanda live

The real flow your employees use. A live AI counselor walks each person through their benefits, in their language, with the math done for them.
How do you want to start?
Pick whatever fits you. Amanda meets you either way.
LIVE
Hi, I'm Amanda. However you want to start, I'll be right next to you. Most people just dive in — tap "do it myself" and I'll walk you through it.
4 minutes
Median to complete, vs 22 with a counselor.
Live paycheck math
Every choice shows the real per-paycheck cost.
17 languages
Amanda meets every employee in their language.
A live AI counselor
Plain-language answers, cited to the plan, any time.
Amanda
AI benefits counselor · online
Guided tour 1 / 8Book