SpectralBenefits AI: AI-powered actuarial intelligence for employee benefits

I spent 15 years in employee benefits watching brokers pay $15,000–$25,000 for actuarial reports that took 6 weeks and were already stale by renewal time. So I built SpectralBenefits AI — a platform that runs 10,000 Monte Carlo simulations in under 30 seconds, models GLP-1 cost exposure in real time, and cross-references EDI 834 enrollment data against carrier invoices to catch phantom enrollees and overbilling. Monte Carlo confidence bands — brokers see P50/P75/P90 cost projections for their book in real time, something that used to require a consulting engagement. PHI Guard™ de-identifies everything before it touches AI — no PHI ever enters the system, which is a hard requirement for Phase 1 broker adoption.