How it works
From the first review to every renewal after.
Snow takes over the full broker job. Here's what happens at each stage, what we need from you, and what you get back.
Pre-renewal review
A full look at your current plan before your next renewal, whether or not you switch to Snow.
What we need
- Plan documents and vendor contracts
- The last 6 to 12 months of invoices
- A current census (the list of covered employees and dependents)
What you get
- Where your plan dollars are going, by vendor
- Invoice errors and charges for people no longer employed
- Coverage gaps between payroll and carrier records
- What to shop at renewal, and why
Snow becomes your broker
One signed letter moves the relationship to us. We handle the transition with every vendor.
What we need
- A signed broker-of-record letter, which tells carriers and vendors that Snow represents you
- Access to the people who run benefits and payroll
What you get
- One point of contact for all five vendors
- A named account lead
- No change to coverage unless you approve it
We run it year-round
The work most brokers do once a year, or only when asked, happens every month.
Every month
- Every invoice reconciled against enrollment and payroll
- New hires, changes, and departures checked
- A plain-language summary for HR and finance
Every renewal
- Stop-loss, TPA, network, PBM, and ancillary all shopped
- Options side by side with the tradeoffs spelled out
- Your decision, then we implement it
What you see
Every month, and at every renewal.
| Option | Annual premium | Change | Deductible |
|---|---|---|---|
| Current carrier renewal | $1,214,000 | +11.8% | $150K |
| Carrier B Recommended | $1,131,000 | +4.2% | $150K |
| Carrier C | $1,117,000 | +2.9% | $200K |
Why AI changes the math
Most of a broker's cost is repetitive work.
Reading carrier files, matching invoices to enrollment, emailing vendors for quotes, and chasing corrections. At a traditional brokerage, people do this by hand, so it gets done once a year or not at all.
At Snow, agents do that work continuously and check every line. That frees your account lead to spend time on decisions, negotiations, and the problems that need a person.
You approve every change to your plan. Nothing moves without you.
Renewing in the next 12 months?
Start with a pre-renewal review. You'll see where your plan dollars go, and where they shouldn't.