Zero-Touch RFP Intake
Brokers email RFPs directly. Threshold auto-parses the submission, creates the case, and routes it — no manual entry required.
Automated Census Extraction
ZIP, CSV, and XLSX census files are parsed automatically — member data extracted, validated, and structured without manual re-keying.
Submission Genius
A single-pass assessment over the assembled submission — maps census plan labels to quote options, scores readiness, flags gaps, and surfaces UW issues before underwriting begins.
Multi-Carrier Quoting
Build N-tier network blends and generate illustrative or firm quotes across multiple carriers from a single workflow — powered by WTW HealthMAPS 2025 Spec and 2024 Agg tables. AI-assisted adjustment with full audit trail on every factor touched.
Rx Carve-Out Quoting
Quote stop-loss with or without Rx carve-outs — PBM, formulary type, and Rx-specific deductibles extracted from RFPs and reflected in multi-carrier proposals automatically.
Bind & Policy Management
From firm quote to bound policy in one workflow — bind checklist, carrier policy number assignment, and full policy lifecycle management from intake through in-force.
Accounting & Invoice Management
Premium ledger, commission tracking, carrier remittances, and MSL retention summary — all in one place. Generate invoices and approve commissions without leaving Threshold.
Credibility-Weighted Experience Rating
Spec and aggregate experience is structured at intake, credibility-blended, and factored into the quote automatically. Shock claim normalization, Table 14 annualization, and 12/24-month credibility weighting — running behind every option, visible on demand.
Role-Aware Home Dashboard
Every user lands on a dashboard built for their role — urgency buckets, workload indicators, and data quality tiers surface what needs attention before the day starts.
MFA, Role Controls & Audit
Native TOTP multi-factor authentication, role-aware UI that surfaces only what each user needs, backup codes, and a full admin audit log on every action — compliance built in, no add-ons required.
OFAC Sanctions Screening
Every case is automatically screened against OFAC sanctions lists as part of the standard intake flow — compliance built in, not bolted on.
Network Heat Maps & PPO Analysis
Visualize network density and model PPO savings across geographies. 2.67M interpolated ZIP3-level discount rows, ISL-band breakdowns, and Alliance network coverage live — giving underwriters the data to make better network decisions faster.
Carrier, Broker & Vendor Portals
Dedicated portals give each stakeholder role-appropriate visibility and access — no more status calls, no more email chains asking "where are we?"
UW Workflow & Codex
A full underwriting workflow with decision codex — every action logged, every decision traceable, every case fully auditable from intake to bind.
Document Security & Reference Library
Centralized, permission-controlled document management with a built-in reference library — secure access for the right people at the right time.
PPO Discount Report
Generate a detailed savings report for any group — ZIP3-level discount data, ISL-band breakdowns, and network comparison across carriers, ready to deliver to the broker.
Disruption Analysis
Model the impact of a network change on any group's membership — provider overlap, out-of-network exposure, and member-level disruption scores before the quote is bound.
TPA Registry
A live registry of 195+ third-party administrators with network access maps, contact records, and fuzzy-match deduplication — always current, always searchable.
Plan Design Extraction
Deductibles, out-of-pocket limits, coinsurance, and plan type extracted from benefit PDFs automatically — no manual transcription, no re-keying.
Proposal Generation & Delivery
Build multi-carrier quote proposals and deliver them directly to the broker from inside Threshold — formatted, tracked, and logged to the case codex automatically.
Duplicate Detection & SIC Lookup
Automatically flags duplicate RFP submissions before a case is created, and resolves SIC industry codes on intake — clean data from the first moment, not the last.
Lumen — Intelligence Layer
Every case is structured and queryable. Prior similar cases surface automatically. Carrier pricing signals compound across your book. Not just a quoting tool — a system that gets sharper with every case.
WorkQueue — Proactive Work Surface
Renewals coming due, invoices overdue, cases flagged — surfaced automatically before they become problems. The team sees what needs attention today, not tomorrow.
Renewal Automation
Renewal proposals generated automatically at configurable thresholds — no manual trigger, no missed renewals. The pipeline stays full without anyone watching the calendar.