Quote locked · 4/12
$18.40 / life / mo
Active case · 2026 voluntary cycle
Acme Industrial
Projected net commission retained · this cycle
$307,412
+$189,216 vs. prior co-BOR split with enrollment firm
Heaped Y1 commission held in-house across
5 voluntary lines1
Based on bound quotes & projected take-rate at census close
Commission retained · last 6 cycles
+61% YoY
Projected take-rate
64.2% (target 58%)
Premium under management
$2.05M annualized
Ava · live
Reconciling Unum Group census
Workday SFTP · 2,487 rows pulled
Dedupe by SSN · 2 duplicates resolved
Mapping to Unum schema · 1,847 / 2,487
Validate against carrier rules · queued
Detected patterns · surfaced for Jenny
Dallas region HI take-rate 41% vs. 23% portfolio average
Cross-sell opportunity across 4 remaining regions — adding Dallas's enrollment mix to SF and Phoenix would lift cycle commission ~$42K 5
High
Critical-illness claims trending +34% YoY in 45+ cohort
Strong evidence for a buy-up tier at renewal — 3 of 5 comparable Meridian cases added CI buy-up in the last 18 months 6
High
12 employees declined HI but sit in high-risk cohort
Salary ≥$75K, dependents, no prior voluntary coverage — likely under-protected. Ava drafted a targeted re-approach email for your review
Moderate
Needs your decision · 1
Aflac returned rate confirmation 3.8% higher than the quote we locked on April 12
Ava drafted a push-back email citing the quote terms & NAIC Model Bulletin §4(c). Standard carrier response rate on these disputes is 71% with favorable outcome. Review before Jenny sends — or Ava can hold and requote side-by-side.
Confirmation received · 4/20
$19.10 +3.8%
Take-rate by cohort
7
Take-rate climbing across every cohort cycle-over-cycle. Highest uptake in the 30–39 band at 68%, led by hospital indemnity + accident bundles.
18–29
52%
+9
30–39
68%
+14
40–49
64%
+11
50–59
61%
+8
60+
58%
+4
Commission waterfall
8
Heaped Y1 at $409,882. Under the old co-BOR split, Meridian would've kept $102,470. Keel keeps the producer as sole BOR.
Gross heaped Y1
$409,882
Old firm split
−$102,470
Retained with Keel
$307,412
Compliance ledger
9
All required filings on track. One NY DFS attestation awaits Jenny's signature.
ERISA §606 COBRA notices
Distributed 2,487 · receipts logged
NY DFS CL-7 attestation
Drafted · awaiting Jenny's signature
HIPAA privacy notice
Current · reviewed by Ava 2/15
Producer licensing
Jenny Chen · TX, CA, NY · current
NAIC Model Bulletin monitoring
Ava watching · no action needed