What has been paid
Claims and runout remain the financial record. They are central to understanding actual plan experience and should not be recast as prospective evidence.
For self-funded employers
You pay the claims. Own the signal.
Self-funding gives the employer direct exposure to claims experience. Metra adds employer-owned evidence on workforce risk movement so claims data, stop-loss structure, actuarial analysis, and program decisions can be reviewed in their proper contexts.
Supplied overview PDFs contain an attestation statement. Consult the current version-specific public attestation record. The current public v1.1 status is open for attestation; the demo signer is not a live attestation.
During the plan year
A signal for governance—not a replacement for the claims file.
What appears to be moving
Metra organizes participant-reported, bounded indicators of risk movement and BMI-pathway exposure for employer review. They are not clinical verification and may not represent the workforce.
What has been transferred
Specific and aggregate protection, attachment points, and contract terms shape exposure. Metra does not represent or replace those terms.
What can be governed
Teams can use the evidence to frame questions, document choices, and coordinate with benefits, finance, and advisors during the year.
Illustrative reporting logic
Evidence should retain its labels.
Illustrative schematic — not a product screen or financial forecast
Separate the signal from the financial conclusion.
Observe
Risk movement
Participant-reported, bounded workforce reporting.
Compare
Claims & assumptions
Review alongside plan experience and actuarial work.
Govern
Funding decisions
Document questions and actions without causal claims.
RENEWAL IS DIFFERENT
During-year visibility and renewal leverage are different uses.
During the plan year, the question is how to govern emerging exposure alongside the claims record. At renewal, the question becomes how the employer and its advisors evaluate assumptions, options, and negotiating position. Metra supports an evidence conversation; it does not quote coverage or establish a renewal outcome.
No guaranteed savings. No causal ROI claim.
Risk movement does not prove that a program caused a financial result. Metra does not promise savings, represent a premium reduction, or make unverified attestation claims. Any verified documentation must state its scope and limits.
Continue the journey
Bring finance, benefits, and the advisor team into the same evidence conversation.
Finance
Frame the variance question.
For finance →
See the finance lens for planning, decision records, and illustrative variance arithmetic.
Methodology
Inspect scope and limitations.
Read methodology →
Read the relevant methodology before treating any signal as a conclusion.
Briefing paper
Download the CFO self-funded brief.
Download PDF →
Use the overview to begin an internal or advisor-led discussion.
Supplied overview PDFs contain an attestation statement. Consult the current version-specific public attestation record. The current public v1.1 status is open for attestation; the demo signer is not a live attestation.
Self-funded briefs by role
Finance → Total rewards → Procurement → People leadership → Enterprise leadership → Brokers →Supplied overview PDFs contain an attestation statement. Consult the current version-specific public attestation record. The current public v1.1 status is open for attestation; the demo signer is not a live attestation.
Self-funded control
Paying the claims should not mean waiting for the explanation.
Establish an employer-owned evidence layer to inform the self-funded conversation—clearly, carefully, and alongside the specialists and data you already use.