Benefits brokerage for self-funded employers
Every vendor shopped. Every invoice checked. Every month.
Snow is the benefits broker for self-funded employers. AI agents handle the back-office work, and a dedicated account lead handles you.
The review is free. No commitment to switch.
- Billed for a former employeeStop-loss invoice, since August$1,284/mo
- Missing from carrier file2 September hiresFix sent
- Renewal quotes received3 of 5 vendorsOn track
The problem
Health benefits are one of your largest costs, and they keep climbing.
Source: KFF 2025 Employer Health Benefits Survey.
Your broker shouldn't earn more when your plan costs more.
When broker pay is a percentage of premium, a more expensive plan pays them more. Your broker should be rewarded for bringing the number down.
Every employee should be on the right plan.
Enrollment lives in payroll, your HR system, and carrier files that don't agree with each other, so people end up uncovered or on the wrong plan.
You shouldn't pay for people who left.
Former employees can stay on carrier invoices until someone checks the bill against payroll, line by line. Most of the time, nobody does.
We don't sell software to brokers. We are the broker.
AI agents shop the market, reconcile invoices, and check enrollment around the clock. Your account lead runs the relationship, makes the calls with you, and is the person you reach when something goes wrong.
What you get
A plan that costs what it should, and covers who it should.
Lower total plan cost
Every vendor is re-shopped at renewal instead of rolling over by default. You get the options side by side, with the tradeoffs spelled out, like a lower premium that comes with a higher deductible (the claim size per person before stop-loss pays).
| 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 |
Everyone covered correctly
Enrollment is checked against payroll every month. New hires, family changes, and departures land on the right plan, and mismatches get fixed with the carrier before they turn into denied claims.
Payroll
- M. ChenHired Sep 2
- D. OkaforEmployee + 1
- S. BrooksEmployee
Carrier file
- M. ChenMissing
- D. OkaforEmployee only
- S. BrooksEmployee
Pay only for people who should be on the plan
Every carrier and vendor invoice is reconciled line by line against payroll. Charges for people who left get caught and recovered.
| Employee | Payroll status | Billed | Result |
|---|---|---|---|
| J. Alvarez | Active | $612.40 | Matched |
| P. Nguyen | Terminated Aug 14 | $1,284.00 | Recover |
| R. Shah | Active | $612.40 | Matched |
| L. Ortiz | Active, on leave | $1,284.00 | Matched |
Always know where you stand
A monthly summary of spend, enrollment, and open issues, written for HR and finance in plain language.
How it works
Three steps, starting with a review.
Pre-renewal review
We go through your current plan, vendor contracts, and recent invoices, and show you where the money is going.
Snow becomes your broker
You appoint Snow as broker of record, the broker your carriers and vendors recognize as representing you.
We run it year-round
Monthly reconciliation and enrollment checks, issues handled as they come up, and a fully shopped renewal every year.
Questions
What employers ask first.
Who is Snow for?
Self-funded employers, and companies thinking about moving to a self-funded plan.
How does Snow get paid?
Like a broker, through a fee agreed up front and fully disclosed. In the review, we'll show you how it compares with what you pay today.
Do I have to switch brokers to get the review?
No. The review stands on its own. You decide afterward whether to work with us.
Will my employees notice a change?
Not unless you decide to change their plans. Changing brokers doesn't change anyone's coverage, network, or ID card by itself.
How much of my team's time does this take?
The review needs your plan documents and recent invoices. After that, we do the chasing with carriers and vendors.
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.