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Stop running million-dollar decisions out of back-and-forth emails.
The Ethos Fiduciary OS keeps every document, number and decision about your health and welfare plans in one secure place, year after year. Your committee gets a formal way to review and decide, and anyone on your team can ask a plan question and get the answer in seconds.
Most benefits programs have no memory. Yours will.
You run every other part of your company on data and strategy. Benefits too often runs on scattered emails, PDFs buried in inboxes and a renewal that shows up as a surprise. Here is what changes.
Your files, KPIs and history
TodayPlan documents sit in inboxes and shared drives. Last year's numbers live in a slide deck someone has to find. Nobody can say how cost, claims or enrollment have trended over three years, or how you compare with similar employers.
With the Fiduciary OSEvery document, contract and filing in one library, kept current by your Ethos team. Your KPIs tracked against targets each plan year, with every year kept so the trend is one click away, and benchmarks against employers like you.
How decisions get made
TodayThe renewal gets decided on a call a few weeks before it's due. The options, the reasoning and who agreed live in someone's memory, if anywhere.
With the Fiduciary OSA formal review and decision process on a set calendar. Options are compared side by side, your committee decides, and the reasoning goes into your fiduciary file, so you can show how every decision was made.
Answers to plan questions
TodayA question about the dental waiting period or the COBRA notice means digging through PDFs or emailing your broker and waiting a day for an answer.
With the Fiduciary OSAsk any plan question in plain language and get the answer from your own documents, across every line of coverage, with a link to the exact page. Your Ethos team sees every thread and steps in when judgment is needed. Coming soon
One organized record. Every file, KPI and trend.
Everything about your plan, in one place your whole team can find. Your Ethos team keeps it current, so the numbers you bring to leadership are already there.
Select a screen to enlarge it. Sample company and sample figures, not client results.
- Find any document in secondsEvery SPD, SBC, contract and filing in one library, sorted by plan and line of coverage, with what's out of date or missing flagged. Drop in a stack of files and Ethos AI sorts each one.
- Know where you stand against budgetPlan cost per employee per month against budget, with a forecast to year end, on the first screen you see.
- See the trend, not just this yearEvery plan year is kept, so you can see how cost, claims and your fiduciary score have moved over time.
- Compare with employers like you Coming soonDeductibles, contributions, cost per employee and pharmacy results against a peer group in your industry and region.
A formal decision process. Recorded as you go.
Your committee reviews on a set calendar, decides with the options in front of it and records why. That is what prudence looks like on paper, and the Fiduciary OS builds that paper while you work.
Select a screen to enlarge it. Sample company and sample figures, not client results.
- A score for your fiduciary practiceA self-assessment built on the Ethos Fiduciary Framework™, scored every quarter, so you can see your gaps and close them.
- Decide your renewal with the full picture Coming soonWhat drove the increase, every option side by side and the paycheck impact of each cost sharing split, before your committee decides.
- Every deadline owned and provenEvery federal requirement for your health and welfare plans, with who owns it, when it's due and proof it was done.
- A file you can hand to anyone who asksCommittee charter, meetings, minutes and decisions with the reasoning, 408(b)(2) disclosures, insurance and bonding, and plan-year archives kept for at least six years.
Ask Ethos. Any plan question, every line of coverage. Coming soon
Ask in plain language and get the answer from your own plan documents, with a link to the exact page. No digging through PDFs, no waiting on an email.
Sample company and sample figures, not client results. Answers shown are written examples.
- Answers you can checkEvery answer cites the document and page it came from, like the SBC or the renewal letter.
- Drafts, not just answersAsk for an employee email about open enrollment or a plain-language summary for leadership, written from your own plan details.
- A person behind every answerYour Ethos team sees every thread and steps in whenever a question needs judgment.
- No individual health informationAsk Ethos never shows individual employee health information to employer users.
- What's our out-of-pocket max?
- When does the COBRA notice go out?
- Is fertility covered?
- What does the negotiated renewal change for employees?
- Is a spouse with other coverage HSA eligible?
- Draft an email about open enrollment
And the day-to-day work. In the same place.
The rest of your program runs from the same login, kept current by your Ethos team. Select any screen to enlarge it.
Know who's covered
Employees enrolled, in progress or blocked, with the reason behind each hold-up and who's fixing it. Combined numbers, never individual health details.
Live HR and carrier sync coming soonRun open enrollment without the scramble
Your Ethos team writes and schedules every employee message, in English and Spanish. You approve each one with a click.
Coming soonStop paying for coverage you don't have
Every month, Ethos checks each invoice against your HR system and carrier records and shows what was recovered.
Coming soonSee what drives your cost
The same picture underwriters use to price your renewal, shown only as combined, de-identified numbers.
Coming soonKnow who to call
Every vendor on your plan, with your rep's direct contact, the websites and your group numbers.
Follow every request to done
Send anything to your Ethos team and watch it move from received to resolved. Nothing gets lost in an inbox.
Sample company and sample figures, not client results. Features marked Coming soon are in development and shown so you can see where the Fiduciary OS is going.
The right view for every role.
Your company decides who gets access and what they see. Your logo appears next to Ethos throughout. It's your plan, and it should look like it.
| Role | What they focus on |
|---|---|
| Admin | Everything, including inviting users and setting roles |
| Leadership | Cost, renewal decisions and plan performance |
| HR team | Coverage, enrollment, documents and requests |
| Committee member | The fiduciary file, compliance and decisions |
Your plan, in your pocket.
Check the budget before a board meeting, confirm a deadline from the road or ask a plan question from your phone. The Fiduciary OS works on any screen.
Security and privacy. Part of being a fiduciary.
Protecting your data is part of being a fiduciary. The Fiduciary OS is designed so that:
- Only invited people get inThere's no public sign-up. Users sign in with their Microsoft or Google work account, and two-factor authentication is required.
- Your company's data stays yoursEach employer's account is locked off at the database level. Users see only their own company's information, and Ethos staff see only the clients they're assigned to.
- Health details stay outIt works with employer-level and combined, de-identified information. It isn't built to show individual employees' health information.
- Files are protectedDocuments are scanned and kept in private storage. Downloads use secure links that expire.
- Every action is loggedSign-ins, downloads and changes are recorded in an audit trail no user can edit.
This describes how the Fiduciary OS is designed. It is not a certification, an audit result or a guarantee, and features may change as the platform is developed. Each client's data protections are set out in its agreement with Ethos Benefits.
How it works with your Ethos team.
The Fiduciary OS doesn't replace your Ethos team. It gives you a window into everything they do for you. Your account executive and account manager keep your documents, deadlines and records current, so you spend your time deciding instead of searching.
Kick-off
We set up your company, your plan details and your team's access.
Build
Your Ethos team loads your documents, vendors, compliance calendar and fiduciary record.
Run
You use it day to day, and your Ethos team keeps it current all year.
Benefits shouldn't be the one part of your business you can't see.
Let's show you what your plan looks like when it runs on strategy.