The compliance operating system for benefits brokers

One system for the compliance work your clients assume you have already done.

Compass brings every employer plan obligation, Part D, ACA, PCORI, ERISA, and RxDC, into a single system, and it chases the carriers, PBMs, and TPAs for the data so you do not have to. Every determination traces back to the federal source, so the work holds up.

An early platform vision from Creditable, the team behind Medicare Part D creditable coverage testing.

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Search clients, documents, deadlines ⌘K
KM
Kade M
Principal
Good morning, Kade
Meridian Benefits Group, 47 employer clients, Wednesday, June 10
Documents generated
312
this quarter, up 38 percent vs Q1
Upcoming deadlines
9
next 30 days, 2 need action
Penalty and litigation exposure avoided
$2.31M
trailing 12 months, including fiduciary
41/47
Clients fully compliant
6 with open items
Needs attention 5 items
Acme Manufacturing
Part D creditable coverage notices due Oct 14 for 312 employees
126 days
Bayside Logistics
Form 5500 complete, awaiting plan administrator e-signature
idle 3 dayschase sent
Foxglove Hospitality
MHPAEA NQTL analysis blocked, UM criteria not yet received from TPA
chase sent
Foxglove Hospitality
Fiduciary Shield vendor monitoring 14 months stale, litigation readiness 54
action plan ready
Clients
47 employer clients
41 fully compliant, 6 with open items
Acme Manufacturing
312 employees, self-funded
1 open item
Bayside Logistics
148 employees, level-funded
1 open item
Foxglove Hospitality
510 employees, self-funded
2 open items
Cedar Point Dental
62 employees, fully insured
compliant
Northwind Freight
230 employees, self-funded
compliant
Harbor Health Group
94 employees, level-funded
compliant
Compliance Engine, Acme Manufacturing
ACA Affordability
Section 4980H, FPL safe harbor
Affordable
Lowest cost plan
$142/mo
FPL safe harbor
9.96%
Affordability cap
$143.88
PASS Affordable across all tiers, with $0.12 per month of headroom under the cap.
Sourced to IRS Rev. Proc., 2026 affordability percentage
Other obligations for this client
PCORI Fee
318 lives
Filed
ERISA Notices
7 notice packet
Ready
Part D Creditable
42 CFR 423.56
Creditable
RxDC Reporting
D1 through D8
On track
Fiduciary Shield, Foxglove Hospitality
78
Litigation readiness score
Up 24 points after the vendor review refreshed
Fee benchmarking on file
PBM and TPA fees versus market, attached
current
Committee meeting minutes
Quarterly oversight documented
Q1 logged
Vendor monitoring refresh
Was 14 months stale, review queued
in progress
Decision trail
14 decisions logged with rationale
complete
Sourced to ERISA 404(a)(1), prudent process documentation
Ask Compass
Are we covered on RxDC for Bayside Logistics?
Compass is checking the filings
Document Vault
Document Vault
Every generated filing, versioned and audit ready
Acme, Part D Creditable Determination.pdf
Generated June 9, 2026
final
Bayside, RxDC P2 Plan Information.csv
Generated May 12, 2026
v1
Foxglove, ERISA Notice Packet.pdf
Generated May 30, 2026
final
Acme, Wrap SPD.docx
Generated April 22, 2026
final
Foxglove, Fiduciary Oversight Record.pdf
Updated June 6, 2026
living
Compliance Calendar
Upcoming deadlines
Across all 47 clients, next 90 days
Jun 1
RxDC reference year 2025 submission
Bayside Logistics, 3 of 4 files ready
9 days
Jul 31
PCORI fee filing, Form 720
11 clients, calculations complete
on track
Aug 14
Form 5500 filing deadline
Bayside Logistics, awaiting e-signature
action
Oct 14
Part D creditable coverage notices
Acme Manufacturing, 312 employees
drafted
The gap

Brokers are on the hook for compliance they were never resourced to do.

Part D creditable coverage, ACA affordability, ERISA notices, wrap SPDs, RxDC and PCORI filings. Every client assumes their broker keeps them compliant, but the work is technical, deadline bound, and impossible to staff profitably at small and mid market scale.

So it gets skipped, outsourced at a loss, or done with a nervous guess. Compass closes that gap. The determinations run themselves, and every output traces back to the primary federal source.

Flagship module

Fiduciary Shield

Plan sponsor lawsuits over fees and vendor oversight are the fastest growing risk in employee benefits, and the broker is increasingly in the blast radius. Fiduciary Shield turns the defensible, documented process every plan is supposed to have into something that maintains itself.

  • A live litigation readiness score
    Every client gets a single, defensible number, plus a clear list of what would raise it.
  • Oversight that documents itself
    Fee benchmarking, committee minutes, vendor reviews, and decisions, all captured as they happen.
  • An audit file that is always ready
    When a participant or regulator asks how a decision was made, the prudent process record already exists.
78Litigation
readiness
Up 24 this quarter
Fee benchmarking versus market attached
Quarterly committee minutes Q1 logged
Vendor monitoring refresh in progress
Decision trail with rationale 14 logged
Service provider 408(b)(2) review complete
Automated outreach

Tired of chasing your PBM for the RxDC files?

The hardest part of compliance is not the math, it is the waiting. The TPA that will not confirm, the PBM sitting on the D3 through D8 data, the client who has not e-signed. Compass tracks every open item to the vendor responsible and works it on a schedule until it is resolved.

  • It knows who owes what
    Every open item is mapped to the responsible vendor and the deadline it is against.
  • It follows up, then escalates
    A first nudge, then a reminder, then escalation to the account director, automatically and on a cadence.
  • Every nudge is logged
    The chase trail doubles as your fiduciary record, proof of a prudent and documented process.
Open item tracker, RxDC reference year 2025
Mar 2
Bayside Logistics to ClearScript PBM
D3 through D8 drug and rebate data requested
opened
Mar 9
Bayside Logistics to Summit TPA
D2 spending by category confirmed
resolved
Mar 14
ClearScript PBM reminder
No response in 7 days, follow-up sent
chased
Mar 18
Foxglove Hospitality to Apex TPA
MHPAEA UM criteria requested
opened
Mar 21
ClearScript PBM escalation
Account director cc'd, fires if still pending
scheduled
Without Compass
  • Spreadsheets and calendar reminders to track who still owes what.
  • Manual follow-up emails, easy to forget under deadline load.
  • No paper trail when a regulator asks what oversight happened.
With Compass
  • One tracker maps every open item to its vendor and deadline.
  • Follow-ups and escalations run on a cadence without you lifting a finger.
  • Every action is logged as part of the fiduciary record.
What it covers

One workflow, the full compliance surface.

ACA
Affordability
Safe harbor testing against the current year percentage.
CMS
Part D Creditable
Actuarial determination under 42 CFR 423.56, with the math shown.
IRS
PCORI
Fee calculation and filing support by plan year.
DOL
ERISA Notices
Required notices assembled, dated, and ready to distribute.
CAA
RxDC Reporting
Orchestrate the multi file D1 through D8 submission end to end.
SPD
Wrap Document
Generate and maintain the wrap document and SPD set.
MH
MHPAEA NQTL
Draft the comparative analysis that parity requires.
Flagship
Fiduciary Shield
The self maintaining oversight record, a power offering of its own.
Soon
More on the way
The module set expands across the compliance calendar.
Why it holds up

Built to survive an audit, not just to look finished.

Every output cites the governing regulation and shows its work. When a client's auditor asks how a determination was reached, the answer is already in the document.

Sourced
Every determination traced to the primary federal regulation.
8 plus
Compliance modules in one broker workflow.
PDF
Every result exports client ready and audit ready.
Why we are building Compass

It started with one obligation. Then we saw the rest.

Creditable began by solving Medicare Part D creditable coverage testing, the determination brokers dreaded most. Working alongside them, we kept seeing the same thing: a single broker quietly carries dozens of compliance obligations across spreadsheets, vendor portals, carrier emails, and calendar reminders, with no system holding it together.

Compass is the broader platform vision for that work, the operating system that brings every obligation, deadline, and document into one place. We are building it in the open with the brokers and TPAs who live this problem every day.

Early access

Help shape the platform brokers have been missing.

Compass is an early platform vision from Creditable, and it is not open to new clients yet. The brokers and TPAs who request access now come first when it opens, and the closest of them help shape what we build as design partners.

  • Priority access ahead of general release.
  • Founding member pricing, locked in for as long as you stay.
  • A direct line to the team shaping the roadmap as a design partner.
Request early access
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