New · PlanLedger v1 — fiduciary OS for self-funded employers

Your ERISA fiduciary duty,documented in 15 minutesa month.

PlanLedger is the tamper-proof fiduciary ledger of record for self-funded employers. Upload your monthly PBM claims, review AI-flagged disputes, and download an audit-ready Fiduciary Package any time — no consultant, no scraping, no PBM permission required.

Free trial · no credit card · full product · cancel anytime.

Claims Review · April 2026
LIVE
Lines reviewed
24,187
Flagged
12
Est. recovery
$0
DrugPBMNADACSpread
Atorvastatin 40mg
NDC 93720-9343 · qty 90
$87.50
$12.40
+606%
FLAG
Esomeprazole 40mg
NDC 00186-5023 · qty 30
$213.80
$18.60
+1049%
FLAG
Duloxetine 30mg
NDC 00002-3270 · qty 60
$164.20
$22.10
+643%
FLAG
Rosuvastatin 20mg
NDC 00310-0752 · qty 30
$112.40
$9.80
+1047%
FLAG
Benchmarked against NADAC + your signed contract
Export Fiduciary Package →
The math

Your exposure is seven figures.
Your coverage is four.

The cost of doing nothing compounds every month. The cost of PlanLedger doesn't.

Without PlanLedger
$0.0M
Avg ERISA fiduciary settlement, 2023
Mercer · class-action landscape
With PlanLedger
$0
Per employee, per month · one tier
Unlimited claims · Fiduciary Package · cancel anytime
ROI · 1,000-life plan
0×
Typical year-one return vs PBM overcharge recovery
3–8% spread recovery · FTC 6(b) baseline
A monthly file costs less than a single billable hour from your ERISA attorney. That is the entire argument.
Why monthly

From a 2019 RFP deck to a monthly signed file.

Courts describe the duty to monitor as ongoing. The record has to arrive every month, not every three years.

PBM Inbox · 2021–2024
IDLE · 682d
Received
8
Reviewed
0
At risk
$4.2M
DocumentReceivedStatus
PDF
Q1 2023 Claims
OptumRx · monthly pack · 1,204 lines · $0.9M
682d
UNREAD
EDI
PBM Remittance · March
835 · contract rate file · 837 lines · $0.4M
521d
UNREAD
CSV
Formulary Update v4
tier + step-therapy diffs · 612 lines · n/a
398d
UNREAD
PDF
Q2 2023 Rebate True-up
accrual vs. actual · 240 lines · $0.7M
287d
UNREAD
XLSX
Specialty Tier Report
high-cost claimant detail · 94 lines · $1.1M
201d
UNREAD
PDF
Contract Addendum 12
signed amendment · 18 pages · n/a
156d
UNREAD
CSV
2024 Claims YTD
OptumRx · annual extract · 8,217 lines · $0.7M
94d
UNREAD
XLSX
Rx Utilization Report
MAC + generic dispense · 3,104 lines · $0.4M
31d
UNREAD
Last action on this queue: never
ERISA §404(a)(1)(B) — ongoing duty
One signed file. Every month.
JAN
0x7af3
FEB
0x91bc
MAR
0x4d2e
APR
0xc08a
MAY
0x3f91
JUN
0xe5d0
JUL
0x82bb
AUG
0x1c49
SEP
0xa73f
OCT
0x6be1
NOV
0xd408
DEC
0x58fc
12 signed files · each linked to the last
How it works

Upload. Review. Export.

One owner, one file, one tamper-evident trail — every month. No scraping, no PBM credentials, no permission required.

Step 01 · Upload

Drop the file.

Your monthly claims from the PBM or TPA. CSV, 837, or their proprietary dump — we parse all of it inside your HIPAA bubble.

claims_2026-04.csv
24,187 lines · 4.2 MB · uploaded 0.4s ago
CSVHIPAA bubbleencrypted
Step 02 · Review

AI flags the lines.

Benchmarks every NDC against NADAC and your signed contract via Bedrock Claude. Spreads over 10% are flagged. You sign off on the disputes you want to pursue.

Flags this cycle12
Atorvastatin 40mg
+41.2%
Esomeprazole 40mg
+33.8%
Duloxetine 30mg
+28.4%
12 of 24,187 flagged
Claude · Bedrock · benchmarked to NADAC + contract
Step 03 · Export

Download the package.

Fiduciary Package: ledger excerpt, 3-step proof bundle, ERISA 6-obligation snapshot, openssl verify recipe. Ready for the DOL, the board, or a lawsuit.

Fiduciary_Package.zip
2026-04 · signed · 6-obligation index
.zipKMSWORM 7y
Start this month

Your next monthly file is 15 minutes away.

$5 per employee per month. One tier, full product. 30-day free trial — no credit card, month-to-month after.

  • Unlimited claim files
  • Fiduciary Package on demand
  • CAA §204 letter assist
  • Cancel anytime