Everyone else sells you a list. Nobody tells you who's about to move.
You can buy a list of employers all day. Names, sizes, a renewal month if you're lucky. Every broker in your market has the same one, and it says nothing about which of those groups is actually reachable this quarter.
Here's the thing: an employer doesn't switch brokers because you called. It switches because something changed first — and by the time it's obvious, three other agents are already dialing.
The tells are on file. A broker of record that vanished. A business that got sold. A premium that jumped or a commission that sits way outside the norm for a group that size. They're sitting in public filings and licensed records that nobody bothers to read, because reading them across the whole country by hand is impossible.
So the whole market works the same stale list, on the same January calendar, and calls the same groups a beat too late.
We read the moves a group makes before it decides to switch.
Benefit Signals watches for the handful of changes that actually loosen an incumbent's grip:
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The broker's already gone or going — the agent of record disappeared from the filings, got acquired, or is winding their book down.
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The business itself is in motion — sold, renamed, or newly under different ownership.
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The economics moved out of line — premium or commission that jumped or sits well outside the norm for a group that size, the kind of gap that gets a CFO shopping.
We don't publish the full list of what we watch — every cue we print is a cue a copycat ships next quarter. But when one fires on a group in your territory, you see it, plus the "why," plus the carrier and the broker of record you'd be taking it from.
That's The Switch Signals. Then the second half of the job: timing.
A group is only winnable in a narrow window. We tell you when it opens.
Filed Schedule A records report policy periods for most active groups — the exact contract dates where reported. Call eleven months out and you're an interruption. Call three weeks out and the paperwork's already moving. Renewal schedules vary by group, and nearly half fall outside the calendar-year turn.
We read the filed date on all 85,788 groups that carry one, and sort your territory by whose clock runs out next — to the day, not the month. Right now, 3,912 groups renew inside the next 30 days. Tomorrow it's a different 3,912.
That's The Renewal Clock. Point it at a signal and you don't just know a group is in play — you know the week to make the call.
Point it at your territory. Watch it sort by who's in play.
Type a ZIP, set a radius, pick a window. You get every employer group whose renewal lands inside it — ranked, flagged with any live signal, carrier and broker of record named, and the decision-maker on file where we have one.
No list to buy. No date to guess. Just the ones whose time is up.
Two pools. Both start with who's reachable.
Renewal Radar
Every employer group with a filed health, dental, vision or life contract, scored by live switch signals and sorted by whose renewal lands next. Filter by territory, size, carrier, or the broker who holds it today. 85,931 groups, 46,595 with a decision-maker on file.
Small Business
831,896 employers that file a small retirement plan and have no filed group-health plan in the data. Fewer than 100 retirement-plan participants apiece, and no group-health Form 5500 on file. Some may carry coverage that isn't required to be filed; others may not offer it yet — either way, they don't show up in the filed group-health universe most prospecting tools start from.
No hunches. Filed records and a model graded on a 2023 cohort held out from its fitting.
The foundation is filed records — 1.2 million group filings, 3.2 million insurance contracts, 4.3 million broker-of-record entries — supplemented by public business records, third-party signal sources, and decision-maker contacts we license from a business-data provider. The ranking isn't a gut call: it's a model built on years of those filings, then tested against a separate 2023 filing cohort held out from model fitting — the same way the FiduciarySignal engine is built. It reports likelihoods, not certainties, and every ranked group shows the "why."
Here's the test it had to pass. We trained it on filings from 2016 through 2022 and then pointed it at 2023 — a filing cohort held out from model fitting, with the answers already sitting in the record. Not every employer is in that test: a group counts only if it has a top-comp broker seat on file and a next-year filing to check the outcome against. It ranked those groups blind. Then we checked the ranking against what those employers actually went on to do.
A winnable change is a residual, not a mind-read. Employer intent isn't in the filings, and we don't pretend to read it. What we do is subtract: a transition counts as winnable only after excluding co-broker reorders and bulk transfers consistent with book sales or rebrands. Those transitions were not counted as successful outcomes during training, and none of them are inside that 37.8%.
More than six in ten of those High groups still didn't move. So it ranks. It doesn't promise.
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The signals are named. You see which change fired, and the incumbent you'd take it from.
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The dates are exact. Filed policy periods, to the day — not a guess at the quarter.
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It refreshes as filings land, so the board keeps moving without you touching it.
Bottom line: you're not buying a list. You're buying who's about to move, and the week to call them.
Questions, answered.
Where does the data come from?
Publicly filed group-insurance contract schedules (the Form 5500 Schedule A) and other filed business records, joined to decision-maker business contacts licensed from a third-party data provider. Signal detection also draws on public business records and third-party sources.
How current is it?
It refreshes as new filings land. Each group carries the year of its most recent filing, so you can see exactly how fresh any record is — no group is presented as newer than it is.
Is this the same as FiduciarySignal?
No. FiduciarySignal is retirement-plan prospecting for 401(k) advisors. Benefit Signals is group insurance — different data, different buyer. Separate products, separate subscriptions. A Benefit Signals subscription does not include FiduciarySignal's tools.
What does it cost?
$60 a month, or $600 a year. Eleven-day free trial, card at checkout, first charge on day 12 — cancel any time before then and pay nothing. One trial per account.
Stop working last year's list. Start working the groups that are about to move.
85,931 employer groups, read and ranked by who's in play — with the signal and renewal date where filed, and the decision-maker where on file. 3,912 of them renew in the next thirty days, and you can see which in about ninety seconds.
Card at checkout · first charge day 12 · then $60/mo (or $600/yr), renews automatically until you cancel · cancel before day 12 and pay nothing