Stop paying for employees who already left.
ClearRolls matches payroll deductions, turnover and COBRA records, and the carrier bill for every employee, every month. Overbilling and coverage gaps surface in weeks, not after a year-end audit.
Illustrative example
Every hop is automated. Nobody checks the bill.
Payroll takes the deduction, the benefits system sends the change, and the carrier bills whoever it has on file. When one step quietly fails, nothing compares the results, so the error keeps costing money every month.
Missed terminations
Former employees stay on the carrier bill for months after they leave, and the employer keeps paying their premium.
Lost credits
Carriers typically credit back only a short window, often about 60 days. Every month an error goes unnoticed may be money you never recover.
Hidden liability
Employees deducted for coverage they were never enrolled in are a claim waiting to happen, and a refund the employer owes.
Three ledgers, reconciled every month
ClearRolls lines up the three records that should always agree, then flags every person where they don't.
Payroll deductions
What each employee actually paid for benefits.
The deductions report from any payroll system, by upload, SFTP or email.
Turnover and COBRA
Who left, when, and who elected to continue coverage.
Qualifying-event and COBRA records from your administrator.
Carrier bill
What the employer is actually being billed, and for whom.
The monthly list bill or invoice from each carrier.
Each person is matched across all three by employee ID, a hashed SSN, or name and date of birth. Every disagreement becomes a finding with a dollar value.
Six kinds of gaps, each with a dollar value
| Gap | What the ledgers show | Impact |
|---|---|---|
| Terminated, still billed | Left the company; the carrier still bills | Overpayment |
| Deducted, not enrolled | Payroll deducts; the carrier has no coverage | Liability |
| Tier mismatch | Deducted for employee-only; billed for family | Over- or under-billing |
| COBRA past end date | Continuation ended; the carrier still bills | Overpayment |
| Rate mismatch | Billed premium differs from the contracted rate | Overpayment |
| Dependent aged out | A dependent over 26 is still on the bill | Overpayment |
Everything from the first file to the carrier credit
Portfolio view
Administrators and brokers see every employer group in one place, ranked by dollars at risk.
Employer portal
Each employer gets its own login and sees only its own employees, findings, credits and reports.
Coverage timeline
A month-by-month record of every employee: what was deducted, what was billed, and for how long.
Findings to credits
Every finding moves from open to confirmed, sent to the carrier, and credited, with the invoice as proof.
Any file format
Payroll and carrier formats are mapped once and reused. Switching payroll systems keeps every employee's history.
Built for sensitive data
A dedicated, isolated database for every account, encrypted in transit and at rest, with SSNs hashed on arrival.
Built for the people who manage the benefits book
TPAs and benefits administrators
Reconcile every client monthly and offer overbilling recovery as a service, under your own brand if you like.
Benefits brokers and consultants
Catch enrollment errors across your groups before the client does, and show the savings at renewal.
Companies with 30 to 500 employees
Know that everyone you pay for still works for you, and everyone you deduct from is actually covered.
Find the money in the first month.
We're onboarding a small group of administrators and employers for early access. Tell us about your book and we'll be in touch.