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For Carriers, Brokers & Vendors

Per Product PremiumLine by Line

Only Benefeature models Form 5500 premium across 23 benefit categories. Built on 24 years of proprietary AskGMS data no other platform has.

Benefeature employer profile showing per-product premium breakdown for health, dental, STD, life, LTD, vision, and AD&D with benchmark flags from very low through very high
Benefeature employer profile showing per-product premium breakdown for health, dental, STD, life, LTD, vision, and AD&D with benchmark flags from very low through very high

Trusted by carriers, brokers, and vendors across the industry

Lincoln Financial Group
ShelterPoint
Mutual of Omaha
Prudential
The Hartford
Symetra
Principal
OneAmerica
Lincoln Financial Group
ShelterPoint
Mutual of Omaha
Prudential
The Hartford
Symetra
Principal
OneAmerica
23 benefit categories

Premium by Line, Not Just One Lump Sum

Health, dental, life, STD, LTD, vision, and more. Each line is modeled, benchmarked, and searchable on the employer profile where plan, broker, and participation data already sit.

LTD
STD
Life
Health
Dental
Vision
Prescription Drug
Stop Loss
AD&D
Accident
Hospital
EAP
Cancer
Critical Illness
Paid Family Leave
Long Term Care
Prepaid Legal
Organ Transplant
Dependent Life
Major Medical
Medical Abroad
Medical Bridge
Supplemental Unemployment

From Combined Form 5500 Premium to Line-Level Detail

Why the filing falls short, how AskGMS fills the gap, and how your team works the modeled lines in the field.

1

The Form 5500 gap

2

AskGMS modeling

3

Benchmark & prospect

Form 5500 filing view in Benefeature showing combined premium on a multi-product benefit plan
Form 5500 filing view in Benefeature showing combined premium on a multi-product benefit plan
The Form 5500 gap

Combined Premium Hides the Story

Most ERISA-covered plans bundle health, life, dental, STD, LTD, and more, but the filing shows one total premium. Your team sees the headline number, not the lines behind the spend.

  • Hidden line costs: Product spend buried in one combined premium total.
  • Weaker field guidance: Brokers and consultants lack a clear line to focus the conversation.
  • Missed openings: Replacement and upsell angles stay invisible until you model the lines.
See it on your prospects
AskGMS modeling

Break Out Premium by Product

Benefeature does not guess. We model per-product premium using 24 years of proprietary AskGMS data, Group Market Share's answer key for plan design benchmarking.

  • 23 benefit categories: Modeled premium on every line on Form 5500.
  • Peer benchmarks: Each line flagged very low through very high vs. comparable plans.
  • One employer profile: Premium lines live next to broker, carrier, plan, and participation data.
See it on your accounts
Benefeature per-product premium breakdown on an employer profile, with each benefit line showing modeled premium and a benchmark flag
Benefeature per-product premium breakdown on an employer profile, with each benefit line showing modeled premium and a benchmark flag
Benefeature premium insight view with per-product premium flags and benchmarking on an employer intelligence profile
Benefeature premium insight view with per-product premium flags and benchmarking on an employer intelligence profile
Benchmark & prospect

Line-Level Insights for Smarter Conversations

Split premium, benchmark peers, flag outliers, and build prospect lists. Search across employers, brokers, and carriers in minutes, not hours in a spreadsheet.

  • Split premium: See what each product costs and what drives total spend on the account.
  • Benchmark peers: Compare line-level premium to similar employers and spot outliers fast.
  • Search & filter: Build territory lists on premium bands plus every other Benefeature filter.
See it on your prospects

Intelligence to Build Trust and Retain Book

“Benefeature has unlocked new capabilities for our Group Insurance business. For starters, Benefeature data has helped us confirm and challenge anecdotal local market feedback from our sales team.”
VP | National Carrier

How Carriers, Brokers, and Vendors Put It to Work

Line-level premium changes the conversation for carriers, brokers, and vendors.

For Carriers

  • Confirm or challenge field anecdotes with line-level premium on target accounts
  • Prioritize accounts where specific product lines run high vs. peers
  • Arm AEs with category talk tracks before renewal season
  • Combine premium flags with broker and participation context on one profile

For Brokers

  • Walk into renewals with modeled cost on every line
  • Position replacements with evidence, not total-premium guesses
  • Build prospect lists filtered by high or low lines in your specialty
  • Pair per-product premium with broker comp and employer contacts on one record

For Vendors

  • Target employers where your category is under-covered or overpriced on modeled lines
  • Filter books by premium band on the lines you sell
  • Support ABM with line-specific pain, not firmographics alone
  • Export segments for outreach within tier export limits

See What Is Inside Each Benefit Plan

Pick five employers you know well. We walk through per-product premium, benchmark flags, and how line-level detail changes your next conversation on those accounts. Thirty minutes, your data.

Book the walkthrough