What you receive at the readout, shown on a worked example: a composite 34-person independent insurance agency.
Cerebrum One · cerebrumone.ai/sample-audit-report · runbetter@cerebrumone.ai
This is not a real client. "Meridian Coverage Group" is a composite built from published industry benchmarks and our audit methodology, so you can see the exact shape and rigor of the deliverable before paying for one. Every figure below follows the same math a real report uses — and in a real report, every figure is yours.
| Company | Meridian Coverage Group (composite) |
| Business | Independent insurance agency · commercial + personal lines |
| Size | 34 employees — 12 service, 8 producers, 14 ops & admin |
| AMS | Applied Epic |
| Interviewed | 31 of 34 employees (91%) · average 22 minutes each |
| Workflows described | 61 |
| Automation candidates | 19 |
| Cleared the materiality bar | 7 (listed below) |
We recommend building three automations. Together they recover roughly 36 service-team hours a week — about $56,000 a year at your fully loaded rates — for $35,000 in fixed-price builds: a blended payback of 7.5 months. Of the remaining four candidates, one is a buy (a feature in software you already pay for), one is a process fix with zero build cost, and two are waits with revisit dates attached.
Total addressable waste identified across all seven: roughly $77,000 a year — 8.1× the audit fee, and 2.7× the $28,500 guarantee threshold this audit carried.
Challenge any input and the ranking recalculates. The assumptions:
| # | Opportunity | Hours/wk | Labor cost/yr | Automatable | Call | Fixed quote | Payback |
|---|---|---|---|---|---|---|---|
| 1 | Certificate of insurance (COI) issuance | 17 | $26,112 | 80% | Build | $12,000 | ~7 mo |
| 2 | Renewal prep & remarketing | 24 | $36,864 | 60% | Build | $15,000 | ~8 mo |
| 3 | Carrier-portal re-keying into the AMS | 10 | $15,360 | 85% | Build | $8,000 | ~7 mo |
| 4 | New-business quote intake (ACORD re-key) | 8 | $12,288 | 75% | Wait | est. $9,000 | ~12 mo |
| 5 | Commission reconciliation | 4 | $7,296 | 70% | Buy | — | — |
| 6 | Claims status follow-ups | 5 | $7,680 | 50% | Wait | — | — |
| 7 | Client welcome packets | 3 | $4,608 | 65% | Process fix | — | — |
#5 is a native Applied Epic feature plus an $89/month reconciliation tool — no build justified. #6 involves too much per-case judgment to automate safely today; revisit in two quarters. #7 is a document template and a mail merge in tools the agency already owns. #4 shares an extraction layer with #3 — see "What happens next."
Nine of the twelve service employees independently described the same workflow: a certificate request arrives by email, a CSR opens the policy in Epic, re-types holder details into the certificate, generates the PDF, and emails it back. About 85 requests a week, roughly 12 minutes each.
The math: 85 requests/wk × 12 min = 17 hrs/wk × $32/hr × 48 wks = $26,112/yr. Scored 80% automatable (standard holders and wording are mechanical; nonstandard requests are not) → $20,890/yr recovered. Fixed quote $12,000 → payback 6.9 months.
How it works: the system reads the request email, matches it to the policy record in Epic, generates the certificate, and sends it. Anything nonstandard — holder wording changes, additional-insured requests — routes to a CSR for a one-click review. Nothing leaves the agency without either matching a known pattern or a human approval.
What stays human: new holders with custom wording, and anything that touches E&O judgment.
Six CSRs each spend about four hours a week assembling renewals: pulling the expiring policy, building the comparison, drafting remarket submissions.
The math: 6 CSRs × 4 hrs/wk = 24 hrs/wk × $32/hr × 48 wks = $36,864/yr. Scored 60% automatable (assembly is mechanical; coverage judgment is not) → $22,118/yr recovered. Fixed quote $15,000 → payback 8.1 months.
How it works: at 90 days out, the system pulls the expiring policy, builds the renewal comparison, drafts the remarket submissions, and queues the package for CSR review — so the CSR starts from a finished draft instead of a blank screen.
What stays human: every coverage recommendation and every client conversation.
Policy documents arrive in a dozen carrier portals and inboxes; someone re-keys the changes into Epic. Interviews put it at about 10 hours a week, spread across the service team — the "first hour of every morning" problem.
The math: 10 hrs/wk × $32/hr × 48 wks = $15,360/yr. Scored 85% automatable (extraction and matching are mechanical; mismatches are not) → $13,056/yr recovered. Fixed quote $8,000 → payback 7.4 months.
How it works: the system watches the portals and inboxes, extracts policy changes, updates the matching record in Epic, and flags anything that doesn't reconcile for a human to resolve.
What stays human: every mismatch. The system never guesses at a discrepancy.
Composite quotes, representative of what full-team interviews surface:
The recommended sequence, if all three builds are approved:
The $9,500 full-team audit fee is credited in full against Build #1's invoice.
Full-team audit: $9,500 flat, two to three weeks, refund guarantee in writing, fee credited toward your first build.