Keel Profiles
Your population
Built from your census. Who your people are, what they want, and how to reach them.

Amanda
AI benefits analyst

Amanda re-segmented your 480 employees into 4 personas
just nowEmployees
480
12 locations
Median age
39
range 21–67
Median tenure
4.2y
+0.6y vs 2025
Enrolled
78%
▲ 9 pts
Waiving
22%
106 people

Amanda's read on your workforceLive analysis
Your team skews Millennial (45%) with a growing Pre-Retiree tail. Of the 106 waiving, 61 are on a spouse's plan but 29 dropped on cost. Before October: push HSA + accident to Young Savers by text, and mail Medicare guidance to your 80 Pre-Retirees.
29 cost-driven waiversBest channel: email & app (59%)16 new hires unenrolled
Population grid
Your people by engagement and benefits cost. Amanda flags the cell to act on first.
Higher costLower cost
18
Reach first
22
14
26
41
33
40
88
198
Thriving
Lower engagementHigher engagement
Personas
Every employee classified into a life-stage cohort, with what they want and how to reach them.
31%
Young Savers
Under 32, early career. Want HSA, accident, student-loan help.
Text & app28%
New Families
30s, adding dependents. Want medical, life, fertility.
Email24%
Established Pros
40s–50s, peak earners. Want PPO, disability, savings.
Email & portal17%
Pre-Retirees
55+, long tenure. Want critical illness, Medicare guidance.
MailWho's waiving coverage
The 106 who declined, and why.
61
On a spouse's plan
29
Cost concern · win back with HSA
16
New hire · not yet enrolled
Generations
Share of workforce by generation.
Gen Z 18%Millennial 45%Gen X 26%Boomer 11%
Age distribution
Employees by age band.
Best way to reach them
Amanda's recommended channel mix.
59%
Email & app
24%
Text
17%
Mailers
Keel Pulse
Open enrollment, live
Real-time view of your enrollment, completion, engagement, and where people stall.

Amanda
AI benefits analyst

Amanda just messaged the 41 employees predicted to miss enrollment
2 min agoEnrolled
78%
ahead of pace
Day
5 / 14
closes Oct 31
Avg time
4m12s
−40% vs 2025
Satisfaction
4.8
of 5 · 312 ratings
Questions
1,240
92% self-served

Amanda's read on enrollmentLive analysis
You're 78% enrolled on day 5, ahead of last year's pace. Engineering is lagging at 54%, I've queued a reminder to the 41 who haven't started. Most drop-off happens at the dental step; I simplified the copy and completion there is back up.
Engineering at 54%Reminder queued to 41Dental step fixed
Completion by department
Who's done, who needs a nudge.
91%
Sales · 88 people
84%
Operations · 120
79%
Support · 64
54%
Engineering · 90
88%
G&A · 48
Enrollments per day
Daily completions across the window.
The funnel
From invite to completed.
Where people stall
Drop-off by enrollment step.
2%
Profile
3%
Medical
7%
Dental & vision
4%
Voluntary
Keel Concierge
Answers your people trust, all year
Grounded in your plan documents, plain-language answers, deductible and cost lookups, and in-network provider search. 24/7, cited to the plan. Never your claims or clinical data.

Amanda
AI benefits concierge

Amanda just answered 3 questions and found a lower-cost in-network imaging option
1 min agoQuestions answered
1,240
this plan year
Avg response
<1m
24/7
Kept off HR
92%
self-served
Plans grounded
9
SPDs & SBCs cited
Avg saved / lookup
$880
in-network vs hospital

Amanda's note to HRThis year
I answered 1,240 questions, 92% never reached your team. Every answer is grounded in your plan documents and cited. When someone's weighing where to get care, I surface the lower-cost in-network option from public cost data, like the $880 imaging saving below. I never see your claims or clinical data.
92% kept off HRCited to your plan docsLower-cost in-network found
What your people experience
The exact member chat — cited to the plan, in any language, with HR untouched. Watch Amanda work.
What your people ask
The everyday questions that used to land on HR, answered from the plan, instantly.
"What's my deductible, and how much is left?"
Answered from the SBC + eligibility
"Is Dr. Nguyen in-network on my plan?"
Checked against the provider directory
"How much will this prescription cost?"
From the plan's formulary tiers
"Where's the cheapest in-network MRI?"
Public cost data + quality
Grounded in your data
Every answer cites a real source, no guessing.
Plan documents
9 plans · SPDs & SBCs parsed
Provider directory + public cost data
In-network search & price lookups
Eligibility & ID cards
Real-time from your HRIS
Never claims or clinical data
Privacy by design · outside HIPAA scope
When confidence is low, Amanda hands off to a licensed Keel counselor with the full transcript.
Keel Shield
Safe Harbor
Every filing assembled from your own data, reviewed by a licensed ERISA attorney, e-filed on time. No black box.

Amanda
AI compliance analyst

Amanda just drafted your gag-clause attestation for attorney review
5 min agoFilings on time
100%
3 years running
Open items
1
gag-clause attestation
Next deadline
Dec 31
drafted, awaiting sign
1095-C coded
462 / 480
96%

Amanda's compliance readUp to date
You're current on everything except the gag-clause attestation due Dec 31, I've drafted it for signature. Every document is assembled from your census, plan docs, and payroll, then reviewed by a licensed ERISA attorney before filing. 1095-Cs: 462 of 480; the rest are new hires pending SSNs.
How every filing happens
Amanda assembles, codes, and files every document. A licensed ERISA attorney signs the ones that matter.
Your systems
Your data
Census · plan docs · payroll
AmandaDrafts it
Assembles & codes the filing
Your attorney
Signs off
Licensed ERISA counsel
AmandaFiles it
E-filed & archived · 7-yr
Filings & documents
Full plan-year scope, in one place.
Wrap / SPD
CurrentForm 5500
Filed Jul 28Nondiscrimination testing
PassedACA 1094/1095-C
96% · in progressRxDC reporting
ReadyMental health parity (NQTL)
CurrentPCORI fee
PaidGag-clause attestation
Due Dec 31Deadline calendar
What's next, and who owns it.
Gag-clause attestation
Drafted by Keel · needs your e-signature
1094/1095-C e-file
Auto-filed once SSNs clear
RxDC reporting
Data assembled for Jun 1
5500 + summary annual report
Prepared from plan-year data
Keel Continuation
Continuation, on the clock
We watch your HRIS for qualifying events, so nothing slips. Notices, billing, and reinstatement run on the statutory deadlines, white-labeled to you.

Amanda
AI COBRA administrator

Amanda just sent a COBRA notice, a termination your HRIS flagged
4 min agoActive events
3
this month
Notices on time
100%
within the 14-day clock
Premiums collected
$4,180
auto-reconciled
Reinstatement
Same-day
on payment

Amanda's COBRA readThis month
Your HRIS feed flagged 3 qualifying events, I sent every notice inside the 14-day clock automatically. 2 elected and paid; 1 is within the 60-day window. The moment a premium clears, coverage reinstates same-day and the carrier eligibility file updates. Every step is logged for audit.
How an event flows
Amanda watches your HRIS and runs the whole lifecycle on the statutory clocks. Only the employee's election is theirs.
Your HRIS
Flags the event
Term · hours · divorce
AmandaSends notice
Within the 14-day clock
Employee
Elects
60-day window
AmandaCollects premium
ACH / card · 45-day
AmandaReinstates
Same-day · carrier synced
Qualifying events
Each event on its statutory deadline, pulled from your HRIS.
Termination · R. Alvarez
HRIS flagged day 1 · notice sent day 6 · elected · premium paid
Reduction in hours · M. Tan
HRIS flagged day 1 · notice sent day 4 · awaiting election
Divorce · J. Okafor (dependent)
Reported day 5 · notice sent day 9 · elected · premium paid
Keel Broadcast
Benefits everyone understands
Built from your plan data and the personas in Profiles. A custom branded guide and a per-persona campaign, tracked all the way to enrollment.

Amanda
AI communications lead

Amanda just generated your 2027 guide in English, Spanish & Vietnamese
8 min agoGuide
2027
built & branded
Languages
3
EN · ES · VI
Campaign
6 touches
per persona
Open rate
71%
+19 pts vs 2025
Drove enrollment
38%
of completions

Amanda's launch planReady to send
I generated your 2027 guide from the plan data and translated it into Spanish and Vietnamese. The 6-touch campaign is tuned to each persona's channel from Profiles, text for Young Savers, mailers for Pre-Retirees. I'm A/B-testing subject lines, and I can already attribute 38% of completed enrollments back to a specific touch.
How it's made
Plan data in, a branded campaign out, measured to enrollment.
Plan data + personas
From your plans & Profiles
Guide drafted
Branded & translated
Persona-tuned campaign
Right channel, right person
Tracked to enrollment
Closed-loop attribution
Benefits Studio
One click makes every format, in your brand, from your plan data.
Brand found
pulled from northwind.com · logo detected
Northwind Traders
2027 Benefits
2027 Benefits
A clear guide to your medical, dental, and voluntary benefits.
✓ Guide
✓ One-pager
✓ Poster
✓ Postcard
✓ Microsite
✓ Campaign
Open Benefits Studio
Launch campaign
Six touches, per-persona channels, A/B-tested.
Kickoff email · A/B subject
All staff · EN/ES/VI · variant B winning
Text reminders
Young Savers · day 3 & day 9
Break-room posters + QR
12 locations · printed
Pre-retiree mailer
80 homes · Medicare guidance
Keel Thrive
Healthier teams, less work for you
Measured from real device data. Challenges, tiers, and rewards that drive participation, and outcomes you can report up.

Amanda
AI wellbeing lead

Amanda just set adaptive step targets for 312 people
todayActive participants
64%
+22 pts after nudge
Devices synced
86%
412 of 480
Avg steps / day
7,820
▲ 1,140
Well-being index
72
▲ 6 this quarter
Rewards earned
$8.4k
redeemed YTD

Amanda's wellbeing readFall season
64% active, syncing from Apple Health, Fitbit, and Garmin. Engineering leads the Steps Challenge; gym-discount uptake jumped 22% after last week's nudge. Your aggregate well-being index is up 6 points, and rewards auto-pay on verified device activity. Individual health data is never shown to you.
Adaptive targets set per personAuto-payout on verified device data
Active challenges
Goal type, participation, and time left. Daily caps and team averaging keep it fair.
Fall Steps ChallengeTeam · collective12 days left
64%
Mindful OctoberDaily goal19 days left
41%
Hydration streakPersonal · streakongoing
28%
1EN
Engineering
61,400 avg2SA
Sales
58,900 avg3OP
Operations
54,200 avgTiers & rewards
Earn points for activity, climb tiers, redeem real rewards. Status unlocks better rewards and extra chances.
BronzeSilverGoldPlatinum
Gift cards & merchant rewards
1,000+ brands · points to spend
HSA & premium credits
Convert points to real dollars
Spin to win · weekly
Variable reward · chances scale with tier
Connected data
Activity measured automatically from the devices employees already use.
Apple Health
214 connected
Fitbit & Garmin
180 connected
Google Fit & Whoop
18 connected
Preventive care reminders
nudges to use covered screenings
Daily check-ins
Mood & habits · self-reported
Results that show up in your numbers
Aggregate and de-identified, individual health data is never shown to you.
72
Well-being index ▲6
+8
eNPS this quarter
$8.4k
Rewards paid YTD
Keel Enroll
Guided enrollment, with Amanda live
The real flow your employees use. A live AI counselor walks each person through their benefits, in their language, with the math done for them.
How do you want to start?
Pick whatever fits you. Amanda meets you either way.
LIVE
Hi, I'm Amanda. However you want to start, I'll be right next to you. Most people just dive in — tap "do it myself" and I'll walk you through it.
Print a form for anyone offline
For deskless crews or anyone who prefers paper, Keel prints a personalized form per employee, on your brand, with their info and Amanda’s picks already filled in. They check it, sign, and one scan brings it back, digitized. No one re-keys a thing.
NT
benefits.northwind.com
Northwind Traders2026 Benefits Enrollment
Form 47 of 480benefits.northwind.com
EmployeeMarcus Rivera
Employee IDNT-4471
Date of birth04 / 14 / 1990
DepartmentOperations
Your household pre-filled from your record
Elena Rivera · Spouse • Mateo Rivera · Child, age 8
Choose your plans Amanda’s pick is pre-checked ✓
MedicalHDHP Saver + HSA · $84/payPPO · $129Waive
DentalDelta Dental PPO · $14Waive
VisionVSP Choice · $6Waive
HSA / yr$1,740Amanda suggests $1,740 · incl. $600 match
Scan to finish online — or sign and hand it back.Employee signature · X
1
Print & hand out
One personalized form per employee, on your brand, with their info and recommended plans already on it.
2
They fill it in
By hand, on paper. Amanda’s picks are pre-checked, so most people just confirm and sign.
3
Scan it back
Snap a photo of the form. Amanda reads every box and digitizes the election into Keel — nothing re-keyed.

I print these on your brand, pre-fill what I already know, and read them right back when they return. Paper in, digital out — even your deskless crew is covered.
Or print one for everyone at once.
A few quick things
Amanda uses these to rank your plansWho are we covering?
Doctors you want to keep?
Dr. Nguyen · Primary care
Regular prescriptions?
Atorvastatin
🔒 This shapes Amanda's recommendations and stays private. Keel never ingests claims, diagnoses, or medications beyond what you choose to share.
LIVE
Amanda · your counselorListening · English
Tell me a little about you and I'll rank every plan for how you actually use care. Takes about a minute.
Back
Fund your HSA
Triple tax-free · yours to keep foreverHow much per paycheck?
$0$145 / paycheck$320
$3,770
Set aside / year
$905
Tax you skip
$600
Employer match
💡 Your HSA rolls over every year and follows you between jobs. Amanda set this to cover your expected care plus a cushion, you can slide it anywhere.
LIVE
Amanda · your counselorSpeaking · English
At $145 you grab the full $600 employer match and skip about $905 in tax. That's free money most people leave on the table.
Back
Round out your coverage
Optional · low-cost peace of mindAmanda turned on the two she'd pick for someone like you and left the rest off. Toggle anything, the total updates instantly.
LIVE
Amanda · your counselorSpeaking · English
Dental and vision pay for themselves the first visit. Accident and critical illness are cheap, but only worth it if you want the cushion, your call.
Back
Your elections
Everything in one place before you signMedical · HDHP Saver + HSABlue Cross · best fit$84Edit
HSA contribution$600 employer match included$145Edit
DentalDelta Dental PPO$14Edit
VisionVSP Choice$6Edit
Total per paycheck$249
LIVE
Amanda · your counselorSpeaking · English
This is your full package, $249 a paycheck after the tax break. Tap Edit on anything to change it, or sign and you're done.
Back
Make it official
Your e-signature locks in your electionsType your full name to sign
By signing, you confirm your benefit elections for the 2026 plan year. Keel records the elections and hands a ben-admin-ready file to your broker, no paperwork, no portal hunting.
LIVE
Amanda · your counselorSpeaking · English
That's it, one signature and you're enrolled. I'll be right here all year if anything changes or a question comes up.
Back
You're enrolled 🎉
Your elections are locked in at $249/paycheck. A confirmation is on its way, and your broker has everything they need.
Run it again from the top ↻
4 minutes
Median to complete, vs 22 with a counselor.
Live paycheck math
Every choice shows the real per-paycheck cost.
17 languages
Amanda meets every employee in their language.
A live AI counselor
Plain-language answers, cited to the plan, any time.