The Transparency Triangle

Everyone Sees
the Same Truth.

Your group health plan touches your CPA, your CFO, and your executive team. Today, they each see different numbers, different stories, different versions of the truth. DOS puts all three around one Scoreboard.

OWNER DOS CPA CFO CXO

DOS sits above carriers, brokers, hospitals, and doctors. We serve owners, CPAs, and CFOs — through total transparency. One set of numbers. One Scoreboard. No hidden agendas.

Your group health plan is your #2 expense. The people managing it should all be reading from the same page.

The Problem

Three Advisors. Three Versions of the Truth.

TODAY

The CPA

Sees the tax picture. Rarely sees the plan structure, the claims data, or where the waste actually lives. Gets the same renewal number as everyone else.

TODAY

The CFO

Sees the line item. Manages the budget. Rarely has the granular data to challenge the broker's recommendation. Takes the renewal at face value.

TODAY

The CXO

Manages operations and execution. Sees the expense but lacks the granular breakdown to challenge the recommendation or measure the waste.

TODAY

The Owner

Signs the check. Trusts the broker. Doesn't know what questions to ask because nobody's ever shown them what the plan actually costs.

Under DOS

Same Data. Same Scoreboard. Same Conversation.

CPA
Tax + Structure Lens

Sees plan structure alongside tax impact. Identifies 105/125 compliance gaps, deduction optimization, and how the group health plan interacts with the rest of the financial picture.

CFO
Budget + Risk Lens

Sees claims data, fee breakdown, and trend analysis — not just the total. Knows exactly where the #2 expense is headed and what levers exist to change the trajectory.

CXO
Decision + EBITDA Lens

Sees the Scoreboard. Waste identified, reported, and recovered — with their approval. Every dollar recovered goes straight to the bottom line. The owner is always in the chair.

The Owner Sits at the Center.

DOS doesn't replace your CPA or your CFO. It gives all three the same operating system — so the conversations about your group health plan start from the same set of facts. No broker filter. No carrier spin. Just the numbers, on one Scoreboard, visible to everyone who advises you.

At 8% annual trend, a $500K group health plan becomes $735K in five years — without a single change.

Start with Your Decision Intelligence Map.

Before the Triangle can work, we need to know how you make decisions. 20 questions. No cost. No risk. No sales pitch.

Take Your DIM