Great Lakes Benefit Group × Building Wealth and Legacy With AI
The Contract & Renewal Audit Engine
Strategy Package · Product Build Brief · Webinar Presentation — Prepared by Adriane Mayes & Enyka Gaines for Kareim R. Cade & Rob A. Hardman
01The Product Offer
"Upload your contracts and renewal package. In 10 days, we show you where you're being overcharged and hand you the exact negotiation playbook."
What it is: a high-ticket, expert-approved diagnostic powered by a software engine. AI reads and scores the documents against GLBG's proprietary framework; Kareim approves every finding before release.
What it is NOT: not "AI software" (AI stays under the hood), not legal/actuarial advice, not a claims-data tool (zero PHI in v1), not a $99 subscription.
Why now: The DOL's PBM fee-disclosure push has made contract transparency a fiduciary and compliance issue. Every self-funded plan now has a legal reason to ask the questions this engine answers.
Association / international union / sister districts → enterprise deal
$250K+/yr
The journey logic: each stage pays for itself AND creates the reason for the next. Snapshot funds sales. Audit funds the platform. Monitoring compounds. Expansion scales.
03The Three Modules
Module A — PBM Contract & Pharmacy Auditor Ships First
Why first: fastest to build, clearest dollar findings, rides the DOL disclosure wave.
Module B — Renewal Shock Predictor
Input: plan-level costs, enrollment, trend data, stop-loss terms (no individual claims). Output: 12/24/36-month projections (expected/best/worst), budget impact, contribution scenarios, intervention deadlines, and the "cost of waiting" number — the most persuasive figure in the report.
Module C — RFP & Negotiation Engine
Input: audit findings + client objectives. Output: customized RFP, vendor questionnaires, minimum contract standards, scoring matrix, red-flag report, board recommendation. The bridge from audit to Transformation revenue.
Rule of sequence: A ships alone if needed → B adds urgency → C adds the upsell. One report weaves all three: what's wrong → what it will cost you → exactly how to fix it.
Every deliverable carries expert sign-off, disclaimers, and version history — each report doubles as defensible fiduciary documentation. That's part of the value.
06Pricing Tiers
Tier
Price
Purpose
1. Cost Exposure Snapshot
$7,500–$15,000
Door-opener; funds sales
2. Full Audit
$35,000–$75,000
Core product; 10-day delivery
3. Transformation
$100,000–$250,000
RFP, negotiation, implementation
4. Annual Monitoring
$2,500–$7,500/mo
Recurring, near-zero labor
5. Enterprise License
$250K–$1M+/yr
Associations, unions, white-label
+ Performance Comp
10–20%
Of validated savings; always base + performance
Pilot pricing (first 3): $10K–$25K flat, in exchange for testimonials, case-study rights, and validated-savings measurement. Pilots are proof-purchases, not discounts — say so.
07Target Buyers — Ranked
#
Segment
Who Signs
GLBG Advantage
1
Union health & welfare funds
Trustees / administrators
Kareim's union relationships; one international = dozens of locals
2
School districts & charters
Superintendent / CFO / board
Education credibility & board history
3
Municipalities
Finance director
Public-sector experience
4
Self-funded employers (200–5,000 lives)
CFO / VP HR
UBA network reach
5
Attorneys & smaller brokers (channel)
Principal
White-label future
Beachhead: unions and school districts first — not "every employer." One statewide association or international union converts this from door-to-door sales into enterprise distribution.
08Extracting Kareim & Rob's Expertise
Session 1 — The Walkthrough (2 hrs, recorded): Kareim reviews a real anonymized PBM contract out loud. Every "see, right here's the problem" becomes a leak indicator. Target: 25+.
Session 2 — The Decision Tree (2 hrs): trigger, severity, dollar logic, and fix for each indicator → the 50–100 question scoring framework.
Session 3 — The Renewal Math (90 min, Rob): projection assumptions, trend factors, scenario logic → Module B's rules.
Session 4 — The Gold Standard (90 min): perfect contract language — audit rights, rebate definitions, data ownership → the clause library.
Materials needed: 5 anonymized document sets + GLBG's actual recommendations on each — the test cases the engine must match.
The Calibration Loop: every report Kareim edits teaches the framework. His corrections feed scoring weights — the engine gets smarter with each engagement, and the moat deepens automatically.
09Go-To-Market Strategy
Phase 1 — Warm Network Proof (Days 1–45): Kareim invites 10 relationships; close 3 paid pilots. No public launch — proof before promotion.
Phase 2 — Authority & Urgency (45–90): weekly LinkedIn content (#cadence fits perfectly), the flagship DOL-disclosure webinar → Snapshot offer, 2 anonymized case studies, GHL nurture keyed to renewal dates.
Phase 3 — Referral Channel (60+): 10–15% of collected revenue to referring partners; Adriane & Enyka activate their networks.
Phase 4 — Enterprise Distribution (90–180): ONE statewide school association, ONE international union, ONE broker network — co-branded member benefit + revenue share. The business changes shape here: from selling audits to licensing the pipe.
Message discipline: never lead with "AI." Lead with: "Find the hidden healthcare costs draining your organization before your next renewal."
10MVP Scope
IN the MVP
OUT (deliberately)
Intake wizard + Snapshot (rules-based v1)
Module C automation (templates first)
Document Vault + no-PHI gate
Any claims-level / PHI analytics
Module A scoring with source citations
White-label multi-tenancy
Review Dashboard with hard release-block
Union / district specialty modules
Report generator + disclaimers
Performance-fee tracking engine
Stripe + GHL sync with referral tagging
Mobile apps of any kind
Module B basic projections + cost-of-waiting
The MVP test: can a client go from intake → payment → upload → approved report → findings meeting without anyone touching a spreadsheet? If yes, ship it.
11Development Partners
Plan A — Rob builds. The Build Brief is written so Rob can execute directly with Lovable + Supabase + Claude. Adriane advises on architecture and product decisions.
Plan B — Rob leads, outsourced hands. Contract builders execute under Rob's direction; Adriane introduces vetted builders from her network.
Plan C — Full outsource. Adriane manages a build team against the Brief; GLBG owns all IP via work-for-hire agreements from day one.
Non-negotiables: NDA + IP assignment, Supabase row-level security experience, milestone payments, no real client documents until security review passes.
Adriane & Enyka's role: strategy architecture, expertise extraction, offer & pricing design, go-to-market support, referrals, and build-partner sourcing. We don't build the engine — we make sure the right engine gets built, priced, and sold. Structure: strategy fee + advisory retainer + referral percentage (and/or small advisory equity).
🎯 Product Build Brief
Client
Great Lakes Benefit Group (GLBG Intelligence)
Platform Type
Secure Web App + AI Document Analysis + Automated Reporting
Version / Delivery
1.0 MVP — 45 days from kickoff (MVP + 3 paid pilots)
Stakeholders
Kareim R. Cade (Authority & Sales) · Rob A. Hardman (Builder) · Adriane Mayes (Strategy & Referrals) · Enyka Gaines (Wealth Strategist)
What This App Does
A client uploads their PBM contract, pricing exhibits, rebate reports, renewal proposals, and plan summaries. The platform analyzes them against GLBG's proprietary scoring framework and produces a board-ready executive report: where the plan is overcharged, what the renewal will look like over 12–36 months, and the exact negotiation playbook and RFP package to fix it.
Every report passes the Human Gate — Kareim or Rob approves findings before release. AI does the reading, extraction, scoring, and drafting; GLBG's licensed experts do the judgment. No member-level claims, no PHI, no HIPAA exposure in v1.
The Problem
Employers can't tell whether rebates are passed through, whether spread pricing exists, or what the PBM actually earns
Contract loopholes; meaningless "guarantees"; formularies that favor the PBM
Carved-in pharmacy arrangements and missing audit rights lock buyers out of their own data
Renewal increases arrive too late to act — options collapse to paying more or shifting cost to employees
Nobody has time or expertise for rigorous RFPs — so vendors define the comparisons
DOL PBM fee-disclosure attention makes transparency a fiduciary documentation issue NOW
Target Users
Primary — Plan decision-makers: CFOs, superintendents, HR directors, trustees. They want a report, a meeting, and a plan — with a defensible paper trail for their boards.
Secondary — GLBG operators: Kareim & Rob need a review dashboard with source-language side-by-side and approve/edit/reject. If review exceeds 60–90 minutes per engagement, the product failed.
Tertiary — Channel partners: attorneys, brokers, associations (future white-label). Don't hard-code GLBG branding into the data layer.
2. Secure Upload: Document Vault checklist, reminders, and the no-PHI gate with manual-review flag for suspect files
3. AI Extraction & Scoring: documents → structured terms database → scored against the decision tree; every finding stores its exact source passage and page
4. Expert Review (Human Gate): approve/edit/reject per finding; report generation blocked until all findings dispositioned
Union module (Taft-Hartley scorecards, trustee briefings) & school-district module
Fiduciary Compliance Command Center
Claims-level PHI tier (Spend Leak Finder) — only after revenue funds a real HIPAA build
Performance-fee engine · Annual monitoring suite as standalone subscription
Live Webinar · For Trustees, Superintendents & CFOs
The Hidden Healthcare Costs Draining Your Organization
What every plan fiduciary must find — and document — before the next renewal.
Presented by Kareim R. Cade · Founder, Great Lakes Benefit Group · 30 years in benefits · BenefitsPRO Broker of the Year Finalist
Speaker note: open with energy. This audience is skeptical of vendors — lead with fiduciary duty, not products.
The Hook
Your PBM knows exactly how much they make off your plan. Do you?
98% of district leaders say healthcare costs are hitting their budgets — many spend up to 30% of general funds on benefits
Family coverage now averages nearly $27,000 per employee — and rising
The Department of Labor is moving to require PBMs to disclose their fees, rebates, and compensation — which means fiduciaries are expected to ask
Most trustees and CFOs cannot answer one question: where does the money actually go?
Speaker note: pause after the opening question. Let it sit. Then the stats.
The Promise
In the next 45 minutes, you'll learn how to find the overcharges before renewal locks them in.
The 5 places money leaks out of almost every self-funded plan
The contract clauses that quietly cost six figures — and the exact language to demand instead
How to build the fiduciary paper trail regulators now expect
How to do all of it from documents you already have — no claims data, no IT project, no disruption
Speaker note: emphasize "documents you already have" — removes the biggest objection (effort/risk) early.
The Old Way
The Annual Renewal Ambush
The renewal arrives 60–90 days out — with an increase and no explanation
Your options collapse: pay it, raise deductibles, shift costs to employees, or switch carriers without fixing anything
The traditional broker earns a percentage of premiums — meaning they make more when your costs go up
The contract? Written by the vendor, defined by the vendor, scored by the vendor
Next year: the same meeting, a bigger number
You've been negotiating the price while they control the terms.
Speaker note: heads will nod here. This is their lived experience — name it plainly.
The New Way
Audit the Documents First. Negotiate From Evidence.
Start 6–12 months upstream of renewal — while you still have leverage
Read the contracts the way the vendors do: rebate definitions, spread pricing, audit rights, termination clauses, data ownership
Score every clause against a gold standard built from 30 years of real negotiations
Every finding comes with its receipt — the exact page and passage — and an expert's sign-off
Walk into renewal with findings, dollar ranges, and a written playbook — not hope
Speaker note: contrast posture — "reacting to a number" vs. "presenting the evidence."
How It Works
Three Steps. Ten Days. Zero Claims Data.
1
Upload
Your PBM contract, pricing exhibits, rebate reports, and renewal package go into a secure vault. Business documents only — no employee health information, ever.
2
Analyze
The engine scores your documents against 25+ leak indicators and a gold-standard clause library. Every finding is reviewed and approved by a licensed expert before you see it.
3
Negotiate
In 10 days you receive a board-ready report: findings, savings ranges, your renewal forecast, the cost of waiting — and the exact negotiation playbook.
Speaker note: stress the human gate — "software finds it, a 30-year expert signs it."
The Value Story
What This Looks Like In Real Life
[Insert validated pilot case study here — illustrative example below until pilots complete:]
A self-funded organization facing a double-digit renewal increase uploads its PBM contract and renewal package
The audit flags missing rebate pass-through language, spread-pricing indicators, and no audit rights — each finding cited to the exact page
The renewal forecast shows the 3-year cost of doing nothing — a number the board sees for the first time
Armed with the playbook, leadership renegotiates terms and re-bids one vendor — recovering savings that fund actual priorities instead of vendor margins
Every engagement measures identified savings — because "trust us" is not a fiduciary standard.
Speaker note: REPLACE with real anonymized pilot numbers as soon as available. Real, validated figures only — never invent results.
Your Next Step
The Cost Exposure Snapshot
A scored assessment of your plan's exposure areas — from a 10-minute profile. No documents required to start. Delivered with a private strategy session with Kareim.
Reserve Your Snapshot
Limited engagements per renewal season — first come, first analyzed.
👉 [Booking link / QR code here]
Findings are for consultant and legal review — not legal, actuarial, or clinical advice.
Speaker note: scarcity is real (review capacity is limited by Kareim's hours) — say it that way. Q&A after CTA, then repeat CTA.
1 / 8
The Webinar on Autopilot
Kareim delivers the webinar live 2–3 times to refine the message and capture the best recording. After that, the machine runs it — registration, reminders, delivery, follow-up, and booking all happen automatically in GoHighLevel. Kareim's only job becomes showing up to strategy calls that are already booked and paid-intent.
Think of it like a vending machine for trust: Kareim records his best 45 minutes once, and the system serves it to every trustee and superintendent who walks by — at 2pm or 2am — then walks the interested ones straight to his calendar.
The Automated Funnel — Step by Step
Step
What Happens Automatically
Tool
1. Traffic
Kareim's weekly LinkedIn posts (#cadence), email to GLBG's list, referral-partner links (tagged per partner), and association newsletters all point to one registration page
LinkedIn + GHL links
2. Registration
Landing page captures name, org type, headcount, and renewal date — the single most valuable field, because it powers every sequence that follows
GHL funnel page
3. Reminders
Instant confirmation, then email + SMS at 24 hours, 1 hour, and 15 minutes — proven to nearly double show rates vs. email alone
GHL workflow
4. Delivery
Evergreen recorded webinar on scheduled "sessions" (e.g., Tue/Thu at 2pm + instant replay option) — feels live, runs itself
GHL video page / auto-webinar
5. Behavior Split
The system tracks who attended, who left early, and who no-showed — and sends each group a different follow-up sequence
GHL tags + workflows
6. The Ask
Attendees who hit the CTA get Kareim's booking calendar; Snapshot payment collected at booking or on the call
GHL calendar + Stripe
7. Long-Tail Nurture
Everyone else enters a renewal-countdown sequence: "Your renewal is 120 days out — structural changes need to start now." Urgency arrives on their calendar, not ours
GHL date-based workflow
8. Pipeline Sync
Every registrant lands in the pipeline with source and referral-partner tags — so Adriane's referred deals are credited automatically
GHL pipeline
The Three Follow-Up Sequences
Watched to the end: Day 0 — replay + Snapshot booking link. Day 1 — the "cost of waiting" one-pager. Day 3 — case study. Day 5 — "renewal season capacity" scarcity note. Day 7 — last call, then into nurture.
Left early: Day 0 — "you missed the part where we show the 3 steps" + timestamped replay link. Then merges into the attended sequence.
No-show: Day 0 — instant replay access. Day 2 — "15-minute highlight cut" for busy executives. Day 4 — invite to next session. Then renewal-countdown nurture.
What It Costs to Run
Phase
Human Time
Setup (one time)
Build funnel, workflows, and sequences: 1–2 weeks (Adriane's team can build this in GHL)
Live rounds (2–3 sessions)
Kareim: 45 min + Q&A per session; record the best one
Evergreen (ongoing)
~1–2 hrs/week: review pipeline, tweak one email, post on LinkedIn. Kareim only does booked strategy calls
The compounding effect: every LinkedIn post, referral link, and association mention feeds the same machine forever. Traffic is the only variable left — which is exactly what the Revenue Potential tab models. →
Revenue Potential — Interactive Model
Move the numbers to match your assumptions. The model follows the funnel: registrants → attendees → strategy calls → Snapshots → Audits → Transformations → Monitoring. Defaults are deliberately conservative for a warm, high-trust B2B audience.
Stage
Volume / Month
Year 1 Revenue
Attendees
—
—
Strategy calls
—
—
Snapshots
—
—
Full Audits
—
—
Transformations
—
—
Monitoring (MRR builds monthly)
—
—
YEAR 1 TOTAL
—
Monitoring MRR entering Year 2
—
Model notes: monthly volumes are averages; monitoring revenue assumes each new subscriber pays from their start month through Dec (linear ramp). Delivery capacity is the real constraint — at ~2 audits/month, Kareim's review time (60–90 min each) stays trivial; at 5+/month, add a second reviewer.
Three Scenarios at a Glance
Scenario
Assumes
Year 1 Revenue
Conservative
2 Snapshots + 1 Audit per month, few upsells — warm network only, no ads
Base + ONE enterprise deal (state school association or international union at $250K–$1M/yr)
~$2.5M–$4M+
The enterprise multiplier: the calculator models one-at-a-time sales. A single association or international union deal replaces hundreds of webinar registrants with one signature — which is why Phase 4 of the go-to-market exists. The webinar machine builds the proof; the enterprise deal builds the empire.
Projections are planning estimates, not guarantees or financial advice. Actual results depend on traffic, close rates, delivery capacity, and market conditions. Performance-fee revenue (10–20% of validated savings) is excluded above — pure upside.
The Pilot Partnership Offer
Private & Confidential — Prepared for Kareim R. Cade & Rob A. Hardman
Your expertise. Rob's build. Our strategy and referrals. One platform that turns 30 years of knowledge into a product that finds money, proves it, and scales through relationships.
The 45-Day Pilot
Days 1–7
Days 8–30
Days 31–45
Capture the Genius Adriane facilitates the 4 extraction sessions with Kareim & Rob; the methodology becomes a scored decision framework and 25+ leak indicators.
Rob Builds the Engine Rob executes the Build Brief (Lovable + Supabase + Claude) with Adriane advising on architecture, prompts, and product decisions. GHL funnel and webinar machine built in parallel.
Prove It & Get Paid 3 paid pilot audits ($10K–$25K each) from GLBG relationships. Validated savings, testimonials, case studies — then the enterprise conversations begin.
What Each Side Brings
Great Lakes Benefit Group
Adriane & Enyka
• Proprietary methodology, licenses & credibility
• Union, school district & UBA relationships
• Rob owns the build; Kareim owns expert review & sales
• Pilot clients from the existing book
One-time: the full strategy package, 4 expertise-extraction sessions, offer & pricing design, Build Brief support for Rob, and GTM/webinar funnel design. GLBG owns the platform IP.
$15,000 50% to start · 50% at pilot launch
Advisory Retainer
Monthly: product advisory for Rob, GTM optimization, funnel & content oversight, pipeline reviews, and enterprise-deal strategy. Begins after pilot launch.
$2,500 / mo Month-to-month after 6 months
Referral Share
On revenue from clients Adriane & Enyka source or introduce — audits, transformations, monitoring, and enterprise deals. Tracked automatically via pipeline tagging.
15% Of collected revenue, life of client
Optional: Advisory Equity
A small advisory stake in the platform entity (GLBG Intelligence, LLC) in exchange for reduced cash fees — if Kareim & Rob prefer aligned upside over expense. GLBG retains full control and majority ownership.
5–10% Vesting over 24 months
Pilot revenue alone (3 audits at $10K–$25K) can return the entire strategy fee — plus Rob's build costs — before Day 45. All figures are proposed and open to discussion; final terms documented by counsel. Referral compensation structured in compliance with applicable insurance-licensing rules.
The Ask
A 60-minute working session with Kareim & Rob: walk this hub tab by tab, confirm the first three pilot clients, and pick the structure. Extraction Session 1 can happen next week.
Let's Build.
Adriane Mayes · Enyka Gaines — Being the Change, LLC · The Tax Extraordinaire, LLC
Leveraging Personal Relationships
Kareim and Rob aren't starting from zero — they're starting from trust already built. Two relationships in particular can compress years of credibility-building into months. The rule for both: lead with what we offer them, not what we want from them. Great relationships are banks — deposit first, withdraw later.
Relationship 1 — Hajj Flemings
AI Futurist/Architect · CEO of REBRANDX (Detroit + Miami) · Author, The Future of Intelligence: Designing the New Era of Human Genius + AI · Host, CBS News Detroit Tech Talk · Detroit Regional Chamber board · Has partnered with Cadillac, Nike, Disney, AT&T, JPMorgan Chase, and the Detroit Pistons; U.S. State Department AI trade missions
Why He Matters to This Venture
What We Offer Him First
• His entire thesis — "Human OS": human judgment + AI tools — is literally our Human Gate. This platform is his book walking around in the real world
• Detroit media reach (CBS Tech Talk) + Detroit Regional Chamber board = a room full of employers who ARE our buyers
• Brand authority that elevates GLBG Intelligence from "local firm's tool" to "the future of intelligence, applied"
• The perfect case study: a Black-owned Detroit firm turning 30 years of expertise into a human-centered AI product — exactly the story his book and stages need
• A healthcare vertical proof point he doesn't currently have
• Real validated-savings numbers he can cite (post-pilots)
Ask 1 (small): a 30-minute reaction session — "Hajj, we built your book. Tell us what we got wrong." Experts love being asked to critique, not to promote.
Ask 2 (medium): feature the story — Tech Talk segment or a Detroit Regional Chamber AI session once pilot results exist. His audience = self-funded employers.
Ask 3 (large): co-branded positioning — REBRANDX advises the launch brand, or a joint keynote: "The Future of Intelligence in Healthcare: How Human Judgment + AI Found $X Million."
The opener (from Kareim): "Hajj — I read The Future of Intelligence, and then we accidentally built it. Our AI reads the contracts; a 30-year expert signs every finding. Human genius plus AI, exactly like the book. I want 30 minutes for you to tear it apart before we launch it to every school district in Michigan."
Don't: ask him to "share it with his network" on day one. He protects his brand fiercely — earn the endorsement with the pilot numbers first.
Relationship 2 — Donald Hicks Jr
Silicon Valley operations & customer-experience executive · VP Customer Experience at Twitter/X · VP Trust Policy & Partnerships at Airbnb · Prior leadership at Google (VP Customer Care), Amazon, Facebook, and Microsoft (VP Customer Experience, Cloud & AI) · Deloitte alum · Stanford Executive Program · MBA from Clark Atlanta University — Kareim's alma mater
Why He Matters to This Venture
What We Offer Him First
• The Human Gate at scale — human review inside automated pipelines — is precisely what he built for a decade (trust & safety and CX ops at Twitter, Airbnb, Google). He knows where our delivery model will break before we do
• Big-tech credibility on the advisory page transforms enterprise conversations with associations and international unions
• Microsoft Cloud & AI background = architecture wisdom for Rob and future enterprise-security credibility
• The Clark Atlanta bond with Kareim makes this a brotherhood conversation, not a cold pitch
• A meaningful advisory seat (small equity, real voice) in a mission-driven venture — recovering healthcare dollars for school districts, unions, and communities
• A chance to apply world-class ops discipline somewhere it changes lives, not engagement metrics
• Detroit roots story: HBCU-built expertise becoming an AI platform
Ask 1 (small): a 45-minute operational review — "Donald, you scaled human-in-the-loop review at Twitter and Airbnb. Where does our delivery model break at 10 audits a month? At 50?" That question flatters AND genuinely de-risks the business.
Ask 2 (medium): advisory board seat — quarterly calls + his name on the enterprise deck. Offer 0.5–1.5% advisory equity, 24-month vest (standard, respectful).
Ask 3 (large): enterprise doors — when the association/union conversations start, his presence in one meeting signals "this platform is built to big-tech operational standards."
The opener (from Kareim): "Donald — Clark Atlanta to Silicon Valley and back. I'm turning 30 years of benefits expertise into a platform, and the hard part isn't the AI — it's scaling expert review without breaking trust. That's your life's work. Can I get 45 minutes of your brain?"
Don't: lead with investment or intros. Lead with his craft. Executives at his level are asked for money and Rolodexes weekly — being asked for judgment is rarer and more respected.
The Combined Play
When
Move
Now (pre-launch)
Both get the private "tear it apart" session — their fingerprints on the product create ownership before any ask
Post-pilots (Day 45+)
Hajj gets the story (media + stage); Donald gets the advisory seat announcement — proof in hand for both
Enterprise phase (Day 90+)
A Detroit launch event: Hajj keynotes the future-of-intelligence frame, Kareim presents the validated savings, Donald lends operational gravitas — in front of invited superintendents, trustees, and Chamber members
The principle: Hajj gives the venture a story the market believes. Donald gives it an operating standard enterprises trust. Kareim and Rob give it the substance both men will be proud to attach their names to. Deposit first. The withdrawals will come on their own.