The same small-accounts book that loses money inside your agency makes money inside ours
Patra manages your book of small employee benefits accounts: a dedicated, benefits-licensed account manager backed by a global delivery team, working invisibly under your brand, across the full EB lifecycle — open enrollment, renewals, eligibility changes, and compliance. You keep the Broker of Record and the client relationships; we carry the day-to-day servicing, so your senior people stay focused on the relationships that grow revenue.
The problem
Employee benefits work is relentlessly seasonal. Open enrollment, renewals, eligibility changes, and compliance deadlines arrive on schedule every year, and the long tail of small accounts absorbs a disproportionate share of that work while returning the smallest margins. Servicing them with the same staffing model you use for large accounts creates a structural problem:
A small account costs nearly as much to service as a large one.
Seasonal peaks pull senior staff into processing and follow-ups.
Capacity is consumed by the lowest-margin work in the book.
High-volume, deadline-driven administration raises E&O exposure.
What Patra delivers
We manage that book for you, so the same small-accounts book becomes a profit center:
The book becomes a margin contributor, not a drain.
Your team refocuses on larger, revenue-generating clients.
White-labeled service your insureds never see.
Carried by Patra on all the assigned work we perform.
What the partnership delivers to your agency
You keep your Broker of Record; the accounts, the client relationships, and the revenue streams stay yours. We manage the day-to-day servicing while ownership of the book remains with your agency.
Our small account management service ensures your small-accounts book keeps producing steady commission revenue without pulling your senior people into the low-margin administration that erodes it.
Reallocate your team away from low-margin processing and toward growth, larger accounts, and new business. We absorb the staffing and overhead load, so you add capacity without adding headcount.
Keep your contingency bonuses. Patra manages the servicing on your behalf while the book stays yours, so the premium volume and carrier relationships behind those bonuses remain with your agency.
Absorb a growing book of small accounts without straining service quality. Our model flexes with your volume and protects carrier relationships, while your producers stay focused on winning and keeping larger accounts.
Services
Based on the size of the client, tasks throughout the policy lifecycle are supported by a dedicated benefits-licensed account manager and an assigned team, across seven service areas.
Renewal retrieval, RFP preparation, census audit, online quoting, email quoting, spreadsheeting, AMS updates, file audits, and BOR processing.
Eligibility, ID card requests, census preparation, enrollment confirmations, eligibility audit, and benefit guides.
New case builds, renewal changes, open enrollment set-up, and data exchange assistance. Available as an add-on based on your needs.
Claim report retrieval, report delivery, claims analysis and spreadsheeting, and claims resolution.
Direct bill reconciliation, direct bill posting, and commission posting.
Notice delivery, legal notices, ACA reporting, wrap documents, and plan doc retrieval.
Supported by every client size
Supported across all client sizes: dedicated account manager; employee benefit strategy discussion (pre-renewal email and/or call); renewal / marketing spreadsheeting (as needed and/or requested); eligibility processing (adds, deletes, qualifying life events); claims resolution; annual legal notices (population and distribution); compensation disclosure notices; POP plan / wrap documents offered (referencing agency's format and process); open enrollment meetings (client to create, Patra to attend and present); and client outreach.
Reinstatements, exceptions, etc.: annually for client size 2–10, semi-annually with medical coverage for 11–20, and quarterly with medical coverage for 20+.
By request only; available for client sizes 11–20 and 20+.
Your employee benefits team
Every book is led by a licensed, US-based benefits account manager. The person your clients deal with is supported by Patra's global delivery teams handling the transactional volume behind the scenes.
US-based, benefits-licensed service lead. Day-to-day management of all client service aspects; promotes growth of the existing book through account rounding and new business; and ensures all service expectations are delivered on time.
Back-office processing support: eligibility, renewal extraction, pre-renewal communications, open enrollment materials, renewal spreadsheeting, AMS updates, and annual legal notice distribution.
Specialized processing and oversight: escalated eligibility, claims resolution, POP plans / wrap documents, quoting, client reinstatements, billing inquiries, and data entry.
Implementation
Implementations are typically completed within 90–120 days of a signed contract. Once live, renewal servicing begins 90 days ahead of the renewal date.
Pre-implementation call; IT setup begins.
Recruitment process begins; client processes and procedures reviewed; workflow created and approved; IT setup complete; systems access confirmed.
Account manager onboarding; training program completion; workflow review by global team; clarifying questions resolved.
Small account servicing begins; leadership team monitoring; check-in calls established; billing begins.
Your data, protected
Your client data is protected at every level. Patra's security framework is purpose-built for insurance operations:
SOC 2 Type 2 and ISO/IEC 27001:2022 certified.
AES256 encryption via VPN connection. Functionality limited to the Patra environment only. No administrator rights; USB storage and printing disabled.
Single sign-on, data loss prevention, and SIEM. Hard drive storage with AES256 encryption.
Multi-region processing centers for continuity, with audited business continuity and recovery plans.
Ready to change the economics of your small accounts?
Schedule a book analysis today.