Zuman reduced benefit premium write-offs by 97% across 7,000 employees

The Challenge — Working capital lost to write-offs

Reconciling carrier invoices against enrollment and payroll data by hand left room for error in every cycle. Discrepancies that surfaced after close became write-offs, and write-offs came straight out of working capital. In the first quarter measured, premium leakage averaged $6.47 PEPM — $136,944 across 7,000 employees in a single quarter.

The Solution — Reconcile monthly, recover before the window closes

Zuman deployed Tabulera's Benefits Reconciliation module to automate the matching of carrier invoices against enrollment and payroll data. Reconciliation became a structured monthly cycle, so variances surface while carriers will still credit them rather than after the recovery window has closed.

The Results — Write-offs down to near zero

The first quarter after implementation cut write-offs by 39%. What mattered more was what followed: leakage fell every quarter for six consecutive quarters and then held under $0.30 PEPM, against a starting figure of $6.47.

With most records clearing automatically, the benefits team moved from working through invoices line by line to reviewing exceptions, and deductions and employer contributions began reconciling cleanly against what carriers billed.

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