For Compliance & Fiduciary Leaders

The fiduciary era calls for
a review you can explain.

Inspect reported compensation, compare it with relevant filing benchmarks, and document the questions that need follow-up. Support both the advisor and the plan sponsor with evidence they can review together.

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Fee benchmarks are included in Flow. Research analysis is available through the Research Sidebar (Flow + AI Sidebar Analyst, $269/user/month, with a monthly usage allowance) or through Research access. Compliance Console access is provisioned; Plan Sponsor Companion is invite-only.

The fiduciary era

Give the review
some context.

Compare compensation with changes in the account. Then ask whether the services and current disclosures explain the pattern.

A trend prompts review. It does not establish unreasonable fees or wrongdoing.

Check the filing before the comparison
Illustrative example · Fictional accounts and data

Fees changed. Did the account?

Example
Alder Manufacturing · Filing periods 2020–2024

Reported premium

20202021202220232024
$8.0M$9.5M

Covered lives

20202021202220232024
1,0001,020

Broker compensation

20202021202220232024
$180K$320K
Compensation grew faster than covered lives. What changed in the services?
Compare trends with context

Charts use separate scales and show fictional reported values. Review service scope, funding, commissions and fees, and filing-quality flags before interpreting the difference.

Built for compliance & fiduciary teams

Build the evidence behind the review.

Compare six years of disclosed compensation and review filing-quality flags before using a benchmark. Keep the source, reporting period, and unanswered questions with your analysis.

Fee-reasonableness benchmarks

113 segments by service code and group size, computed from the filing record itself. Use the relevant comparison to inform review; a percentile does not determine reasonableness by itself.

Disclosure-gap detection

Identify what is not disclosed in the available filing record, then check whether additional evidence or an exemption explains the gap. Absence alone does not establish a compliance problem.

Filing-quality checks and sources

Check duplicate schedules, premium-column misuse, and compensation mismatches before interpreting a benchmark. Follow the comparison back to its source and review any quality flags. How the filing-error audit works.

Book-wide exposure view

Entity-resolved across six years. See every account above the segment P90 on service-provider compensation in one view — not one filing at a time.

Your own 408(b)(2) file

Benchmark the firm's own direct and indirect compensation by segment before you disclose it. Walk into the conversation already knowing the answer.

Ask-anything research tier

Ask how reported compensation compares with its segment, then inspect the evidence and questions that need professional judgment.

Plan Sponsor Companion · Invite-only

Help the plan sponsor participate in the review.

Companion brings attention areas such as PBM, broker fees, Schedule A, and Schedule C into a print-ready report. Review the supporting comparisons and prepare questions for the committee. An attention score guides review; it is not a legal verdict.

Explore Companion access

  • 0–100 attention score across PBM, broker fees, Schedule A, and Schedule C
  • Severity-ranked findings — each with "why it matters" and the benchmark behind it
  • Print-ready, branded report for the client's benefits committee
  • "Attention," not a verdict — framing that fits a technology provider, not a law firm
Fiduciary Attention Report Illustrative
82/ 100
Review warranted
Overall fiduciary attention · sample plan
Schedule AUrgent
Broker feesPriority
PBMPriority
Schedule CMonitor
Grounded in ERISA case law · Print-ready for the benefits committee
Choose the right review workspace

Match access to the people doing the review.

Flow includes account intelligence and fee benchmarks. Research adds conversational analysis. The Compliance Console requires provisioned access; Plan Sponsor Companion is a separate, invite-only workflow for employers and committees.

Review plans and access

Know the weak spots. Document the review. Be ready.

See how Calliope turns six years of the filing record into a documented fiduciary review — across your book and your own disclosures. Thirty minutes. No slides.

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Calliope is a benefits intelligence platform and technology provider. It supports fiduciary documentation and prudent process; it is not a law firm and does not provide legal advice.