For MGU Operations

Governance that runs while you work.

You govern risk every day — emails to brokers, notes on claims, escalation calls. Ravon turns those actions into a permanent, auditable governance record. Without creating more work.

Continuous Governance Not Quarterly Reports
Live Governance Feed ● Active
09:14 amSeverity signal: Johnson Group — member at 62% of specNew
09:41 amSarah emailed broker → auto-deferred 7 daysSealed
10:15 amVelocity alert: Martinez Corp — $15K/mo burn rateFlagged
10:22 amThreshold crossed: Apex Industries — 3 members > 40%New
11:05 amAuto-reminder: Chen Holdings — broker follow-up dueQueued
0
Events This Month
0
Acknowledged < 48hrs
0
Groups Governed
Ravon 2026
01 / 09
The Problem

You're accountable for governance. But governance infrastructure doesn't exist.

Carriers trust you to steward their risk in real time. But the tools you have — TPA reports, spreadsheets, email threads — were never designed to be governance infrastructure. They're what the industry cobbled together because nothing else existed.

When renewal comes, you know the work happened. But can you prove it?

Today
No Governance System
Governance lives in email threads
Risk signals arrive 30–60 days late
Escalations documented nowhere
No structured evidence of stewardship
Renewal = rebuild the narrative from memory
With Ravon
Governance Infrastructure
Every action captured in a governance ledger
Signals detected the day they happen
Structured escalation with timestamps
Auditable evidence trail builds itself
Renewal = the record already exists
75% of underwriters rate their organizations as "average" or "deficient" in technology utilization. VERTAFORE 2025
02 / 09
How Ravon Works

You click "notify broker." Ravon builds the governance trail.

One email. One note. The system auto-defers the event, starts a timer, queues a follow-up, and resurfaces it with full context when the timer fires.

0 actions by you
0 records by the system
0 total governance records — sealed
app.ravon.io / governance / event-247
Member at 60% of Spec — Johnson Group — 12-Day Sequence
Signal: member at $62K of $100K spec (62%)
System · Day 0 · 09:14 AM
Auto-assigned to Sarah Chen (Governance Analyst)
System · Day 0 · 09:14 AM
Sarah emails broker with claim context
You · Day 0 · 09:41 AM
Auto-defer: event paused 7 days pending response
System · Auto
Next step queued: "Request updated diagnosis from TPA"
System · Auto
Auto-reminder fires at Day 7 with full context
System · Scheduled
Sarah adds note: broker confirmed stop-loss carrier notified
You · Day 8
7 governance records sealed — carrier-ready
Complete · Day 12
03 / 09
What It Detects

Five detection engines. Your thresholds. Your risk appetite.

Ravon doesn't just check a dollar threshold. It runs five distinct detection patterns on every claims ingestion — each configurable per group.

Detection Engines
Threshold Breach
Member hits % of spec — configurable per group
62% OF $100K SPEC
Velocity Detection
Burn rate acceleration — flags trajectory, not just totals
$15K/MO BURN RATE
High-Risk Diagnosis
Catastrophic ICD-10 codes that predict future severity
HEMOPHILIA A · D66
Concentration Risk
Multiple high-severity members clustering in one group
3 MEMBERS > 40%
Rx Spend Acceleration
GLP-1, gene therapy, and specialty drug velocity tracking
MOUNJARO · $4.2K/MO
Velocity in Action
Today you see totals. With Ravon you see velocity.
Member #4421 — $40K of $100K spec 40%
A total-based report says "40% — fine." But look at the burn rate:
Jan
$10K
Feb
$25K
Mar
$40K
VELOCITY ALERT: $15K/MO BURN — WILL HIT SPEC IN ~4 MONTHS
"A total-based report wouldn't flag this until 50%. A velocity trigger flags the acceleration pattern now."
04 / 09
How It Works

Your book watches itself.

Step 01
Claims land
New data arrives from your TPA — medical, pharmacy, and out-of-network claims
Step 02
Ravon scans
Every claim checked against five detection engines — not just a dollar threshold
Step 03
Signal detected
Laser candidate, catastrophic diagnosis, or concentration risk — flagged the same day
Step 04
You're notified
A governance event with context and a recommended next step already attached
Step 05
Evidence sealed
Your response is timestamped and locked. The renewal file builds itself as you work
No reports to run. No spreadsheets to audit. The governance record builds itself.
05 / 09
Your Whole Book

How many of your groups have someone approaching spec right now?

If the answer takes you more than 5 seconds, you need a platform. Spreadsheets give you group-by-group. Ravon gives you the whole book.

5
Seconds
Governance Posture
0
Green
All signals current
0
Amber
Active governance events
0
Red
Escalation required
Cross-Book Intelligence
4
Groups with shock-loss concentration
Multiple high-severity members in same group
2
Diagnosis clusters across groups
Same high-cost diagnosis appearing in 3+ groups
12
Groups in renewal cohort (90 days)
Governance timeline complete for 10 of 12
3
Carrier paper exposure concentrations
High severity clustered on same carrier
"Only visible from a platform that holds the entire book. You can't do this in spreadsheets."
06 / 09
The Renewal Conversation

This is what the carrier sees.

Not a retrospective rationale. Not documentation scrambled at renewal. A continuous governance record that was built while you worked.

0
governance events this policy year
100%
Acknowledged < 48hrs
0
Unresolved Events
Carrier Renewal View — Simulated
Governance Summary — Johnson Group ● Policy Year Complete
Mar 14 Severity signal at 62% of spec — broker notified same day RESOLVED
Apr 02 Velocity alert: $15K/mo burn rate flagged — TPA contacted RESOLVED
May 18 Second member crossed 40% threshold — escalation documented RESOLVED
Jul 09 Rx spend acceleration detected — clinical review initiated RESOLVED
Sep 22 Renewal readiness review — all events documented, 0 open COMPLETE
Every signal detected. Every response documented. Every timeline met.
"That's the renewal conversation Ravon gives you. Not 'we think we handled it.' Here's the timestamped proof."
07 / 09
Getting Started

What changes. What doesn't.

Ravon doesn't replace your TPA. It doesn't change your workflow. It takes the governance work you already do — emails, notes, escalations — and makes it permanent, auditable, and carrier-ready.

What Changes
Signals arrive the day they happen — not quarterly
Your thresholds, your rules — per group
Every action becomes a sealed governance record
Renewal prep takes hours instead of weeks
What Doesn't Change
Your TPA relationship stays the same
Your team works the way they work
Your carrier reporting stays intact
No new data entry — governance happens around you
Week 1–2
Connect claims data
Week 3–4
Configure thresholds + roles
Week 5+
Governance running
08 / 09
The Payoff

Better stewardship
earns more from carriers.

Faster detection means earlier intervention. Earlier intervention means lower loss ratios. Lower loss ratios mean better renewal terms — and more capital allocated to your book. That's the economics of governance.

More capital allocated
Carriers grant more authority to MGUs who can prove consistent stewardship
Lower loss ratios at renewal
Earlier intervention on high-severity claims reduces aggregate exposure before renewal
Fewer restrictions at renewal
Governance proof reduces carrier risk perception — fewer lasers, broader terms
See it with your own data.
We'll walk through a live demo built around your actual claims data structure. No slides — the real product, your real numbers.
Benjamin Prinzing
benjamin@ravon.co
20 years in employee benefits and stop-loss.
Built Ravon because the governance layer didn't exist.
2
User actions
7
Sealed records
Week 1–2 to first signal
Time to live governance
Ravon 2026
09 / 09