Benefits that fit how your team actually spends
Toduba reads 18 months of claim history and reshapes your flexible benefit mix for next year, inside the same budget.
The Problem
Most HR teams renew benefits without knowing what employees actually used
Claim data exists in your insurer's portal. Budget limits are known. But when it's time to configure next year's mix, decisions still rely on gut feeling and last year's vendor pitch.
The result: underclaimed categories stay oversized. Popular benefits stay underfunded. Employees feel the gap, HR teams don't see it until renewal season starts again.
Toduba closes this loop. No new data collection, no change in benefit vendor, no additional IT integration. Just a model that reads what already happened and tells you what to do differently.
How It Works
From claim export to configuration recommendation in three steps
Read
Export 18 months of claim data from your existing insurer portal. Toduba ingests category-level spend per employee cohort, no personally identifiable data required.
Model
The preference engine identifies utilization patterns by benefit category and workforce segment. It distinguishes habitual use from one-off claims to surface reliable signals.
Recommend
A revised benefit mix is output in your existing configuration format. Budget totals are preserved. You review and approve before anything changes with employees.
Capabilities
Built for mid-size employers configuring benefits annually
Budget-neutral modeling
Recommendations never exceed your declared budget envelope. Reallocation happens within the same total spend, not as an argument for more funding.
Category-level utilization signals
See which benefit categories are systematically underclaimed versus oversubscribed. Identify drift before it compounds across renewal cycles.
Segment-aware recommendations
Benefit preferences differ by workforce segment. Toduba surfaces segment-level divergence so HR can make informed choices about whether to differentiate the mix.
Configuration export
Output is formatted for direct use in your HR information system or benefits administration platform. No manual re-entry, no translation layer required.
Annual refresh cycle
Designed around the HR calendar, not a continuous data stream. Run analysis once per year ahead of renewal. Configuration remains stable until the next cycle.
GDPR-compliant processing
Data is processed on EU infrastructure under a standard data processing agreement. Category-level aggregation removes individual identifiability before any model runs.
Use Cases
The right fit for different roles in benefits decision-making
Prepare for renewal with data you already have
HR teams spend weeks preparing for benefits renewal with spreadsheets and vendor conversations. Toduba compresses that preparation into a structured analysis that starts with what employees actually claimed, not what vendors propose.
See how HR teams use TodubaAlign benefit mix with total rewards strategy
Total Rewards leaders need to justify benefit configuration decisions to finance and leadership. Toduba provides a defensible model: here is what the workforce used, here is what the model recommends, here is why the mix should shift.
See how Total Rewards uses TodubaJoin the early access program
Toduba is accepting its first design partners from mid-size employers in Europe. No commitment required for the pilot phase.
[email protected] for questions