Workforce benefits intelligence
Northbay Robotics · aggregated from 525 covered lives. The same analysis the planner runs for one family, rolled up across your whole population.
Aggregated and de-identified. No individual records are shown. Figures roll up the full enrolled population with a minimum cell size enforced, so no employee can be re-identified from any breakdown below.
Covered lives
525
218 employees · 307 dependents
Estimated annual spend
$4.3M
Modelled from claims patterns across the population
Per employee per year
$19,635
Total medical and pharmacy spend ÷ enrolled employees
Average age
30
1.41 dependents per employee
Condition prevalence
Share of covered lives carrying each chronic diagnosis
Diabetes is highlighted in teal. Prevalence drives where targeted programs and carrier carve-outs return the most.
Where the spend goes
Aggregate annual spend by category
Geographic distribution
Covered lives by county · drives network adequacy by region
High-cost concentration
How spend concentrates in the highest-cost members
19.6%
of spend from the top 5% (26 lives)
4%
from the top 1%
Members ordered most to least expensive. A steep early curve means stop-loss terms matter more than headline premium.
Pharmacy exposure
Specialty drugs concentrate cost in a few members
48
members on a specialty drug
78
members hitting prior-auth friction
Specialty network demand
Where the workforce needs in-network depth
Broker negotiation levers
What to take into your renewal conversation
Carve out specialty pharmacy
Specialty drugs are 49.7% of pharmacy spend across 48 members. A standalone specialty PBM with site-of-care steerage typically recovers 15-20%.
Fund a diabetes management program
9% of lives carry a diabetes diagnosis. Embedded coaching and CGM coverage cut avoidable admissions and ER use for this cohort.
Negotiate behavioural-health access
115 lives have a depression or anxiety diagnosis and psychiatry is your highest-demand specialty (405 visits/yr). Push for telehealth parity and a deeper behavioural network.
Tighten stop-loss attachment
The top 5% of members (26 lives) drive 19.6% of total spend. Re-mark specific stop-loss against this concentration before renewal.
Demo mode · synthetic population generated for illustration