Case Study SEB Level Funding Analysis

Case Study

How USI helped a small business identify claims risk, reduce compliance exposure, and improve employee enrollment

Strategies and Solutions

Positive Financial Impact

© 2026 USI Insurance Services. All rights reserved. CONFIDENTIAL AND PROPRIETARY: The information contained herein is confidential and proprietary information of USI Insurance Services, LLC. Recipient agrees not to copy, reproduce, distribute or disclose it to any other person, in whole or in part, without the prior written consent of USI.

USI’s data-driven insights and targeted cost-saving strategies can help reduce the impact on premium at renewal. Our service enhancements can help HR teams spend around 50% less time on enrollment and benefits administration tasks. COBRA management can also lower the risk of administrative errors and costly fines — up to $100 per individual per day ($3,000 per month).

Background

A Denver-based employer experienced serious disruptions after its long-term broker was acquired. The larger broker moved the company to a level-funded health plan, though a closer look suggested the employer would likely see higher premiums at renewal. The employer spent weeks answering questions after open enrollment created significant confusion for employees. Gaps in COBRA administration increased the risk of fines for noncompliance.

$3,000

lower compliance risk

50%

measurable results

USI’s risk analysis revealed an unfavorable claims experience that indicated healthcare costs would be 2.6 times higher than average — significantly increasing the likelihood of a premium spike at the end of the plan year. Working with the client, USI’s benefits experts used these insights to inform the cost-containment strategy and help position the employer for a less devastating renewal. USI also implemented the Benefit Resource Center to provide additional support to employees navigating enrollment and claims issues. To help reduce the exposure to compliance risk, USI also connected the employer with a vendor specializing in complex COBRA administration.

— USI Client

As a small business, we feel very fortunate to have been able to team with USI for our insurance needs. In addition to the cost savings, the biggest benefit has been the tremendous support we've received from our local team.

of all workdays lost

65%

Rear view of three technicians or engineers of industrial plant in workwear leaving workshop at the end of working day

The facility lacked state-of-the-art surveillance capabilities

#hashtag

USI helped improve security camera use to document fall incidents. New state-of-the-art cameras with artificial intelligence send alerts when the system detects unusual behavior. The cameras also serve as a training tool for workers and a deterrent for fraudulent claims. Additionally, USI helped implement the use of wearable technology equipped with location tracking and fall detection.

The company had an ineffective return-to-work policy in place

#hashtag

USI helped the client initiate a light-duty return-to-work program to ensure injured employees could come back to work sooner.

An inadequate jobsite layout and improper personal protective equipment resulted in slippery walking surfaces

#hashtag

USI helped formulate an engineering control to divert oil away from travel paths. USI also recommended the use of non-slip floor polish in travel path areas, and non-slip footwear for slippery areas. As a result, the client saw a 55% decrease in slip-and-fall injuries.

The client lacked a tracking method to monitor prevention measures

#hashtag

USI helped the client develop a dashboard tracking system to be updated weekly, including the status of preventive measures to combat conditions that led to falls.

Dashboard Tracking System

Jobsite Layout Optimization

Improved Policy Implementation

Security System Upgrades

Businessman works on laptop Showing business analytics dashboard with charts, metrics, and KPI to analyze performance and create insight reports for operations management. Data analysis concept.Ai

Engineer Teamwork Meeting, Engineers discussing on a project and working on blueprint meeting for project working with a partner at the construction site at desk in the office, Construction concept.

Modern automatic automobile manufacturing workshop. A busy car production line. Industrial scenery background.

mechanic in auto repair center Cleaning using a mop Squeeze water from the epoxy floor. in the car repair service center

The client used an unsophisticated incident investigation process

#hashtag

USI helped implement a thorough incident investigation process and claims management plan for slip, trip and fall claims. The client saw a 62% reduction in total incurred claims.