Case Study · ESC100

From Spreadsheets to $5M/Month — Automated

ESC100 is a multi-employer benefits TPA managing group health insurance for 800+ employers across the US. We built their entire billing infrastructure from scratch.

$5M+ Monthly Premium
800+ Employers
44,000+ Claims Tracked
The problem

Manual Billing at Scale Doesn't Work

ESC100 was managing monthly billing for hundreds of employer groups using spreadsheets and manual Zoho Books entries.

Every month meant hours of data reconciliation, missed overrides, and no visibility into claims. They needed a platform — not a workaround.

Before
  • Manual spreadsheet billing for 800+ employer groups
  • Hand-entered Zoho Books invoices every cycle
  • No visibility into claims status or overrides
  • Hours of reconciliation with no audit trail
What we built

Three systems. One platform.

Automated Billing Engine

AWS Lambda fires on the 1st of each month. Computes premiums per member, applies employer-specific rate overrides, generates invoices in Zoho Books, and logs every run with full audit trail.

Claims Intelligence Layer

Ingests Marpai claims files (40,000+ rows), resolves member identity across payers, and surfaces pending claims in a live work queue.

Internal Ops Dashboard

6-screen Retool app: Billing Review, Claims Overview, Member Console, Feed Health, Unbilled Groups, Employer Profile. Built in one day using Retool's AI buildbot.

Tech stack

Production-grade from day one.

PostgreSQL
AWS Lambda
Python
Retool
Zoho Books API
psycopg2
EventBridge
RDS
SSM Session Manager
Results

Numbers that speak.

$5M+
processed per billing cycle
800+
employer groups under management
6
internal ops screens built in 1 day
Ready to automate your operations?

Let's build your billing platform.

We'll map your current process, model expected impact, and deliver a working pilot — no commitment required.