Concinnapowered by Talon AI LLC
Concinnapowered by Talon AI LLC
Built only from public filings — DOL Form 5500 and SEC EDGAR — with no member data, no PHI, and nothing proprietary to Insperity. A look at what Concinna keeps at your fingertips, refreshed as each filing lands.
The benefits-cost trend that pressured 2025 earnings was visible in your Form 5500 health-plan filings roughly a year before it reached the income statement. The same record profiles the pharmacy curve, the broker layer, and the entire market you sell into. Concinna assembles all of it — continuously, from public data alone — in service of the work you're already doing.
Insperity's worksite health plan runs principally through UnitedHealthcare. Your public Schedule A renders the book precisely — and shows claims growing a little faster than premium, a pressure shared across the fully-insured PEO model.
| Plan year | Premium | Claims paid | Loss ratio | Source | |
|---|---|---|---|---|---|
| 1 | 2022 | $2.19B | $2.01B | 91.8% | live |
| 2 | 2023 | $2.45B | $2.34B | 95.2% | live |
| 3 | 2024 | $2.52B | $2.40B | 95.3% | live |
Your pharmacy runs through OptumRx, and the public record shows the force reshaping that line. In Medicare Part D — a clean public proxy for the commercial curve — the GLP-1 and cardiometabolic class reached ~$38B in 2024, and it is still accelerating: through the first three quarters of 2025 it already topped $37B, with Mounjaro alone rising to $9.6B (from $6.3B in all of 2024).
| Therapy | 2019 | 2024 | Growth | Source |
|---|---|---|---|---|
| Ozempic · semaglutide | $552M | $12.97B | 23.5× | live |
| Jardiance · empagliflozin | $1.45B | $11.44B | 7.9× | live |
| Mounjaro · tirzepatide | — | $6.34B | $9.6B YTD '25 | live |
| Trulicity · dulaglutide | $2.27B | $5.45B | 2.4× | live |
Concinnity is the art of fitting disparate parts into a harmonious whole. Nothing here is a single download — it is four public sources, resolved to the same employers, plans and dollars.
Every employer that sponsors a health plan files a public Form 5500. Concinna turns that into a profiled view of the market — who already offers benefits, their carrier, pharmacy manager, broker, size and funding. Nationally that is 111,197 employers in the 25–2,000-employee range; 8,727 in Texas alone.
| Employer | Staff | Current carrier | Pharmacy |
|---|---|---|---|
| SailPoint Technologies | 1,961 | UnitedHealthcare | OptumRx |
| Epicor Software | 1,908 | Kaiser Foundation | Kaiser |
| Arm, Inc. | 1,902 | Cigna | Express Scripts |
| Triumph Financial | 1,415 | BlueCross BlueShield of TX | Prime / Carelon |
| Radiology Partners | 1,166 | Premera | — |
| Shintech Inc. | 1,135 | BlueCross BlueShield of TX | Prime / Carelon |
| Pedernales Electric Coop | 968 | BlueCross BlueShield of TX | Prime / Carelon |
| Cullen/Frost Bankers | 662 | American Fidelity | — |
| Chevron (Texas unit) | 394 | Cigna | Express Scripts |
| NDT Global | 253 | UnitedHealthcare | OptumRx |
Each point of health-plan loss ratio is roughly premium × 1%. On a $2.5B book, that is real money — move the inputs to your numbers.
Concinna resolves 3.49 billion public records across 285 curated datasets and a dozen named federal authorities to the same providers, employers, plans and places — so a question returns a cited answer, with receipts, rather than a spreadsheet to reconcile.
Loss ratio, premium and claims tracked filing by filing — a forward read on the benefits line, ~a year ahead of earnings.
GLP-1 and specialty trajectory, the FDA pipeline behind it, and NADAC acquisition-cost — the pharmacy line as a lever, not a surprise.
Every benefits-sponsoring employer, with carrier, pharmacy manager, broker, size and funding — a pre-qualified map for your sales force.
Hospital price-transparency × CMS fee schedules — commercial-to-Medicare multiples by procedure and metro, the cost curve under the loss ratio.
Show each client how its plan compares to peers — a retention and trust surface built from the same public record.
OIG/SAM integrity screens on any target, plus your full benefit footprint — the health plan and the other plans you file, not just one line.
No leap of faith. A first analysis on a question you name proves the value, then it grows only as fast as it earns the right to.
Pick the question that matters most — a market, a margin read, the pharmacy curve, a target set — and we return it fully sourced. No obligation, nothing to sign.
The views that prove useful, refreshed automatically as new filings land — margin monitoring, pharmacy trend, the growth map, client benchmarking.
When the time is right, Concinna delivered into the tools your teams already use — scoped to where it earns its place.
Point the engine at a question you name — a market, your benefits trend, the pharmacy curve, a target list — and see it answered from the public record.
"What would a continuously-refreshed, fully-sourced view of your benefits book, your pharmacy curve, and your entire market be worth?"