Keel Thrive

Benefits people actually use.

Most benefits go unused because nobody understands them. Amanda finds the money your people are leaving behind and hands it back, all year. Tap claim and watch it add up.

An engagement program clients brag about.

Every client gets an always-on benefits concierge that surfaces unclaimed money for each employee, run for them by Amanda, under your brand. Tap claim and watch it add up.

app.keel.com/thrive
Keel Thrive
Your benefits, working all year
Amanda checks your plan for money you have not claimed yet.
Amanda
AmandaFinds your money
Amanda
I went through your plan and found $1,840 you have not claimed yet, an HSA match, a free physical, and an FSA balance that expires soon. Want me to tee them up? It is one tap.
From your plan, never your claimsNo app to install
Team engaged
81%
+38 pts vs a portal
Found for employees
$214k
value surfaced this year
Smart moves
9,400
actions taken this quarter
Vendor fees
$0
it is built in
Benefits you are using this year
7/11benefits used
UsingMedical · Dental · Vision · Telehealth · EAP · 401(k) · Commuter
Not yetHSA match · Free physical · FSA balance · Legal plan
Money found for you
$1,840
this year, one tap from claimed
Smart moves
⚡12
you have made with Amanda
Amanda found 3 things for you
Live
$1,200 in HSA match, unclaimed
Your employer matches up to $1,200 a year. You are contributing $0.
+$1,200
Your $0 annual physical
Covered 100% in-network. You have not booked it this year.
Free
$640 in FSA expires Dec 31
Use it on glasses, dental, or copays before you lose it.
+$640
Illustrative. Example challenge, representative figures, not audited customer results.
How it works

It finds the money you are leaving behind.

No step-counter, no separate app. Amanda turns the benefits people already pay for into dollars they actually use.

1

Amanda reads the plan

She knows what each person's benefits actually cover and what they have used, from plan documents and elections, never from claims, diagnoses, or medications.

2

She finds the missed money

Unclaimed HSA match, a free physical, an FSA about to expire. Specific dollars, tied to that person's plan, surfaced the moment they matter.

3

They claim it in a tap

One tap applies her picks. Amanda handles the rest and keeps watching all year, so the benefits keep paying off after open enrollment closes.

By the numbers

Benefits that finally get used.

0%
Act on Amanda's first nudge
$0
Found per employee, a year
0x
More benefits used than a portal
$0
Extra vendor fees, it is built in
Better together

It knows who to nudge and how.

Thrive does not run in a silo. It pulls the people and the message from the rest of the suite.

Keel Profiles
Picks what to surface
Amanda tailors which benefit to nudge to each person's plan and life, not a generic blast everyone tunes out.
Keel Broadcast
Delivers the nudge
The you-have-$640-expiring message goes out on the channel they actually read, timed to when it still matters.
Keel Concierge
Answers on the spot
How do I claim it, am I eligible, when does it expire, Amanda answers right where the money showed up.
Questions

The details.

Where does the "money found" come from?
From the plan design and the person's own elections, the HSA match the employer offers, the preventive care the plan covers at $0, an FSA balance the administrator reports. Amanda never sees claims, diagnoses, or medications, that data is deliberately out of scope.
Is this a wellness or step program?
No. Thrive is about using the benefits people already pay for, not tracking steps or workouts. There is no wearable, no leaderboard, no separate app, just specific dollars Amanda surfaces and helps each person claim, all year.
How does Amanda know what I have used?
From your enrollment and the plan rules, plus anything you tell her. She can see you elected an HSA but are not getting the full match, or that your plan covers a free physical you have not booked. She works from plan knowledge and your own elections, never clinical data.
What does this do for the broker?
It is a year-round engagement program you can offer every client with no separate vendor, contract, or login. It runs under your brand, Amanda operates it, and "we found your employees $214k they were leaving behind" is a renewal story that sells itself.
Keel Thrive

Make benefits
finally pay off.

See Amanda find the money in a real plan, and hand it back in a tap.

Get a demoTry it yourself · 90 sec