Scotia Blue Technology · Product
Fathom
An agent that runs a benefits broker’s book.
Scotia Blue built Fathom for the group-benefits industry. It reads the carrier mail, runs the underwriting math, drafts the client documents, and hands the licensed broker a short list of decisions to approve. Built and proven at a working brokerage, and available to license.
See the demo → Talk to usMobile app coming August 2026.
Benchmarking & market studies
Put any plan in the market, in minutes.
Fathom reverse-engineers carrier pricing from real market data and benchmarks a plan’s rates, design, and experience against the market and against comparable employers by size, industry, and region. It assembles the full market study automatically. The most time-consuming deliverable a broker produces, built in the background.
How accurate?
Because it reverse-engineers the carrier’s own pricing, a benchmark reconciles to the real numbers, not an estimate, and lands within a point or two of exact. The only gap is the drift from rates that move in real time, which the engine re-derives continuously to track. Close enough that it does not change the decision.
Live client office
Reviews and renewals happen in the room, not the inbox.
Fathom includes a private, white-label meeting office. You run a renewal or review as a live session. The client watches the analysis on screen (their decode, their benchmark, their options), and the decisions get made together, in the meeting. The consultation becomes the proof of the work.
What it does
The back-office work of a brokerage, done in the background.
Fathom watches the work, does the analysis, and brings each piece to the broker as a decision with the action ready to go.
Document analysis
Reads carrier renewal reports, census files, and plan booklets and pulls the underwriting detail (loss ratios, pooling, rate tables, cost drivers) with no manual data entry.
Renewal analysis & forecast
Projects age-band demographic drift and flags unused coverage, so an employer sees the shape of a renewal before the carrier letter arrives.
Enrollment mapping
Translates employee data into any insurer’s enrollment format, removing the per-carrier paperwork that ties a broker to one provider.
Carrier monitoring
Ingests insurer bulletins, matches each change to the affected clients, and drafts the client communication.
Inbox triage
Reads inbound client email, works out what each one needs, and drafts a reply in the broker’s voice. It only drafts; the broker sends.
Ask the book
Plain questions about the book, answered with no report to run. Coverage, renewal dates, plan detail, scoped to the brokerage and read-only.
Why the numbers hold up
The hard math is computed, not generated.
The renewal decode reads the carrier’s own document and pulls the figures with pattern logic. The language model never touches the raw numbers, so the output is reproducible and a broker can audit it line by line. A validation layer flags anything out of range, and the engine declines a document it cannot read cleanly rather than show a confident wrong answer. Every analyzer is pinned by a regression-test suite.
Architecture & security
Built multi-tenant, for regulated data.
Fathom handles regulated personal information for plan members. The platform treats that as the operating constraint it is.
- Per-tenant data isolation, enforced on every path
- Carrier credentials encrypted at the application layer
- Append-only, hash-chained audit log on every regulated action
- A licensed broker signs off on every binding step
- Built on Next.js and PostgreSQL, metered model usage
- Each brokerage on its own brand, client-facing
Proven in production
Not a prototype. A brokerage runs on it.
Fathom was built inside a working brokerage and shaped by the real renewal cycle, not designed in the abstract.
First client: East Coast Employee Benefits, a Halifax group-benefits brokerage, runs its book on Fathom today. It is the platform’s first deployment.
License Fathom for your brokerage.
Scotia Blue licenses Fathom to brokerages and group-insurance firms. Multi-tenant, so your book stays yours and your brand stays on the client-facing work. See it run on a live book, then talk to us about a deployment.
See the demo → Talk to us about licensingFathom is designed, built, and maintained by Scotia Blue Technology, Halifax, Nova Scotia.