ACCOUNTABILITY FORENSICS
Not a dashboard of what happened — lineage-stamped figures that trace every number to its source, its year, and the person who signed off.
THE PROBLEM
Your PBM, TPA, and carrier send monthly reports — colorful charts, PEPM trending, utilization summaries. But when you ask "Who verified this number?" or "What data source supports this claim?", the trail goes cold. Accountability requires more than outcomes: it requires lineage — who measured, when, from what dataset, under what methodology.
Plan Metrics iQ delivers source-stamped figures with full accountability chains: every number traces to a government dataset, every claim carries its year, and every variance points to the contract term responsible.
Standard Vendor Report
"Your pharmacy spend increased 8.2% this year"
No source. No benchmark. No accountability.
Kincaid Health Metric
"Pharmacy spend: $2.84M (2023) vs DOL EFAST2 benchmark $2.12M (2023, same-size plans), variance +34% driven by AWP spread pricing per PBM contract Section 4.2(b)"
Source: DOL EFAST2 · Year: 2023 · Contract: PBM Sec 4.2(b) · Verified: SHA-256
LINEAGE PROTOCOL
Named government or validated commercial dataset
e.g., DOL EFAST2, Mercer NSEHBP, KFF Employer Survey
All figures locked to specific calendar or plan year
e.g., 2023 plan year (1/1/23 - 12/31/23)
Comparison group defined by size, industry, geography
e.g., 500-999 participants, manufacturing, Midwest
Variance traced to specific contract terms
e.g., PBM Contract Section 4.2(b) spread pricing clause
SHA-256 hash or published audit trail
e.g., DOL filing 131826332-2023 verified via SHA-256
Calculation method documented and reproducible
e.g., PEPM = Total Claims ÷ Member Months × 12
THE DELIVERABLE
Every figure carries dataset name, year, cohort definition, and verification hash.
Cost differences traced to specific contract clauses — PBM spread, TPA fees, stop-loss terms.
Your costs vs national norms from DOL EFAST2 — by size, industry, geography.
Who's responsible for each variance — vendor, contract term, or plan design decision.
What can be renegotiated, what's locked, expected savings per contract amendment.
Executive dashboard + data workbook with all sources, calculations, verification hashes.
Get forensic-grade benchmarking with 757,294 DOL rows, utilization variance analysis, and cost outlier detection.