Benefits Dashboard
Meridian Corp · Open Enrollment 2026 · 62 days remaining
🆘 OE Live
Clara Insights Agent: Your enrollment is 18% ahead of pace — great news! However, voluntary benefits uptake is 34% below peer benchmark. Activating Clara’s targeted campaign for accident & critical illness could close the gap. Projected savings: $3M/year through better risk distribution.
Total Benefits Spend
$14.2M
↑ 9.5% vs 2025
Employees Enrolled
82%
↑ 18% ahead of pace
Avg Employee Cost
$4,840
↑ 6.2% YoY
Employer HSA Seed (Total)
$3.2M
$800 × 4,000 enrolled
Enrollment Progress by Plan
Meridian Corp · 2026 Annual Enrollment
HDHP + HSA GoldAI Pick · 38%
PPO Classic34%
EPO Plus18%
HMO Basic7%
Waived3%
HDHP adoption is 6 points above industry average. Clara decision support guided 77% of enrollees to right-fit plans, up from 64% last year.
Spend by Category
2026 projected vs 2025 actual
File Transfer Status
Last 48 hours
📄
834_Meridian_OE_Batch.edi
📊
820_Meridian_Mar_Premium.edi
🔗
Workday_Eligibility_Delta.xml
📋
271_Eligibility_Response.edi
Open Enrollment Timeline
Sep 15, 2025
Plan design approved by admin
Oct 1, 2025
OE communications sent
Email, SMS, Clara push — 12,450 employees
NOW — Mar 15, 2026
Enrollment window open
62 days remaining · 82% enrolled
Mar 16, 2026
Auto-enrollment for non-responders
Apr 1, 2026
New benefits effective
Benefits Spend
Cost analysis · Trends · AI-powered forecasting
Total Spend (2026 Est.)
$14.2M
↑ 9.5% YoY
Employer Share
$9.8M
69% of total
Employee Share
$4.4M
31% of total
AI Savings (YTD)
$3M
Decision support ROI
Cost Trend by Category
2024 → 2025 → 2026 Est.
| Category | 2024 Actual | 2025 Actual | 2026 Est. | YoY Trend |
|---|---|---|---|---|
| Medical | $8.4M | $9.2M | $10.1M | ↑ 9.8% |
| Pharmacy | $1.8M | $2.1M | $2.4M | ↑ 14.3% |
| Dental | $820K | $850K | $890K | ↑ 4.7% |
| Vision | $290K | $300K | $310K | ↑ 3.3% |
| Life / STD / LTD | $420K | $450K | $480K | ↑ 6.7% |
| Voluntary Benefits | $180K | $220K | $320K | ↑ 45% (target) |
Clara projects pharmacy costs will rise 14% in 2026. Recommend adding a PBM formulary management program — estimated savings $280K.
MyChoice Accounts Summary
HSA · FSA · HRA · Commuter · Lifestyle
Health Savings (HSA)
3,840 accounts · Avg balance $1,420
$5.4M
Flexible Spending (FSA)
2,210 accounts · 92% utilization
$1.8M
Commuter Benefits
890 accounts · Monthly elections
$320K
Lifestyle Spending Accounts
1,200 enrolled · Wellness + fitness
$480K
Claim Choice feature enabled: 48% of HSA holders are using “vault” mode to stockpile eligible expenses. Average forfeiture rate dropped from $441 to $82.
File Status & Feeds
HRIS sync · EDI transmissions · Carrier acknowledgements
2 Issues
Attention needed: Your 820 premium file to Aetna has not received an acknowledgement in 28 hours (SLA: 24h). Your administrator (BenefitIQ) has been notified and opened Case #CSE-00839. No action required from you at this time.
Outbound Files (Sent by BenefitIQ)
EDI transmissions on your behalf
| File | Type | To | Records | Status | Sent |
|---|---|---|---|---|---|
| 834_Meridian_OE_Batch.edi | 834 | BCBS | 12,450 | ✓ Delivered | 2h ago |
| 820_Meridian_Mar.edi | 820 | Aetna | 4,820 | ⚡ No ACK | 28h ago |
| 834_Meridian_Delta.edi | 834 | Aetna | 48 | ✓ Delivered | 1d ago |
| 270_EligVerify_Batch.edi | 270 | BCBS | 892 | ✓ Delivered | 8h ago |
Inbound Files & HRIS Sync
Data received & processed
| File / Feed | From | Records | Status | Received |
|---|---|---|---|---|
| Workday_Delta_Feed.xml | Workday HCM | 342 | ✓ Processed | 6h ago |
| 271_EligResp_BCBS.edi | BCBS | 892 | ✓ Processed | 8h ago |
| 835_Claims_Remit.edi | Aetna | 1,204 | ✓ Processed | 1d ago |
| ACA_1095C_Draft.xml | BenefitIQ | 12,450 | 📋 Review | 2d ago |
Open Enrollment 2026
Meridian Corp · 12,450 eligible · 62 days remaining
Enrolled
10,209
82% complete
Not Yet Enrolled
2,241
18% remaining
Clara Interactions
8,420
68% used decision support
Confidence Score
81%
Employees confident in choice
Enrollment by Department
| Department | Eligible | Enrolled | Progress |
|---|---|---|---|
| Clinical Operations | 4,200 | 3,822 | 91% |
| Corporate & Admin | 2,100 | 1,848 | 88% |
| Technology | 1,800 | 1,440 | 80% |
| Field Operations | 3,200 | 2,208 | 69% |
| Facilities | 1,150 | 540 | 47% |
Clara Engagement Stats
Enrollment assistance · Decision support
Plan Comparison Sessions6,812
Avg 3.4 plans compared per session
HDHP Guidance Sessions3,240
38% switched from PPO after Clara conversation
HSA Contribution Help2,180
Avg HSA contribution increased $340/yr
Voluntary Benefits Nudges4,100
Accident insurance uptake up 12pts
Benefits Insights
Clara Insights™ · Enrollment analytics · Cost intelligence · Peer benchmarks
Clara Insights™ — New: Ask plain-language questions and get instant dashboards. "Show me HDHP adoption trends" becomes real-time visualization — not a three-week data request. Claims, demographics, and utilization data surfaced automatically to reveal cost drivers previously out of reach.
vs Peer Benchmark
+9.5%
Your PEPM cost vs healthcare industry median
HDHP Adoption Rank
Top 15%
Clara Enroll decision guidance is working
AI Decision Support ROI
$3.0M
Estimated annual savings from right-fit elections
Clara Enroll™ Dashboard
Decision-making signals · Always-on survey alternative
Employees who used Clara Enroll8,420
68% of eligible · 86% said it helped them navigate enrollment
AI-recommended plan adoption40.5%
Chose Clara's recommended plan — HDHP uptake correlation +12pts
Top enrollment friction pointHSA contribution
38% of employees needed guidance on contribution amounts
Clara autonomous resolution80%
Intentional mix — complex questions escalated to human support
Clara Enroll dashboards function as a high-participation, always-on alternative to traditional surveys — insights captured during the actual decision-making process.
Cost Driver Analysis
Clara Insights™ · Claims + utilization intelligence
▲ GLP-1 Prescription Spend
Up 84% YoY in your population. Clara flagged this 6 weeks before your renewal — 3 mitigation models available: prior auth, preferred formulary, copay incentive.
▲ ER Utilization in Field Ops
Field Operations dept uses ER 2.3× more than other groups. Telemedicine enrollment in this group is only 18% vs 54% company-wide.
▼ Preventive Care Utilization Rising
+14% since Clara Enroll highlighted $0 preventive in HDHP. Early care = lower downstream costs.
Clara Intelligence
Clara AI™ · Clara Insights™ analytics · BenefitIQ Communications · Always on
Clara Insights™
Benefits Analyst · Meridian Corp · Clara AI™
C
Good morning, Kim! I'm Clara, your AI benefits agent. I've reviewed Meridian Corp's benefits data overnight. Enrollment is strong at 82%, but Field Operations is at 47%. I've detected that ER utilization in that group is 2.3× higher than your company average — want me to show the cost impact and a targeted communication plan from BenefitIQ Communications?
KP
Yes, and what's driving our pharmacy cost increase?
C
Pharmacy is up 14.3% YoY — GLP-1 prescriptions are up 84% in your population. I can model three mitigation options: prior authorization policy, preferred formulary tier, or copay incentive design. I can also show you how a national health system used Clara Enroll to shift similar populations toward more cost-effective plans. Which would you like first?
Clara’s Recommended Actions
Field Ops OE engagement47% enrolled
BenefitIQ Communications recommends personalized mobile push + enrollment video for non-wired workforce. Projected lift: +22% in 5 days.
Pharmacy cost mitigation$280K savings
PBM formulary management. Clara can model 3 designs with projected claim impact.
Dependent verification auditSave $M+
BenefitIQBenefitIQ'sapos;s dependent verification deployed in 2 weeks. A national distributor saved millions and reduced manual HR work significantly.
BenefitIQ BenefitIQ Communications
Communications · Personalization · Behavioral science
🌟
Personalized Benefits Communications
Right message, right channel, right time — for every employee segment including non-wired workforces
📊
Predictive Engagement Engine
Data insights + behavioral science to connect employees with right resources at right moment
🥇
Award-winning Creative
Gold Hermes Award · 3 consecutive years · a leading enterprise client, a major retail employer campaigns
Eligibility & HRIS
Workday integration · Employee census · QLE events
Total Eligible
12,450
Last Sync
6h ago
342 changes processed
QLEs (30d)
48
Marriages, births, terminations
HRIS Source
Workday
HCM + Payroll
Recent Eligibility Changes
Last 48 hours · Processed by BenefitIQ
| Employee | Change Type | Effective Date | Plan Impact | EDI Status | Source |
|---|---|---|---|---|---|
| Sarah Chen | QLE — Birth | Mar 14, 2026 | Added dependent: Emma Chen | 834 Staged | Workday |
| Marcus Johnson | New Hire | Mar 10, 2026 | 30-day enrollment window | ✓ 834 Sent | Workday |
| Priya Sharma | Termination | Mar 8, 2026 | COBRA notice sent via Clara | ✓ 834 Sent | Workday |
| David Liu | QLE — Marriage | Mar 5, 2026 | Spouse added to HDHP | ✓ 834 Sent | Employee Self-Service |