Fitvantage is the first gamified workforce health platform that ties employer investment directly to verified, measurable behavior change — and proves the ROI with carrier-grade actuarial data. Built for self-funded employers where avoided claims come straight back to you.
Employers are paying record-high premiums — and the wellness programs they're buying are producing zero measurable return. Engagement theater isn't a health strategy.
Step challenges and gift cards get participation. They don't change claims. The industry has no mechanism to connect verified employee behavior to a number an actuary will sign off on — so renewal conversations happen on guesswork, not evidence. Fitvantage builds the evidence.
No IT integration to start. No wearable required. Works on any smartphone from day one — including a production floor.
Downloads the app on iPhone or Android. Sets up in under 5 minutes. Built-in phone sensors track steps and activity from day one — wearable optional.
Three verification tiers — phone sensors (motion + velocity checks), connected wearable (HR correlation), and document upload (human review within 24 hrs). Reward matches confidence level. No self-reported data.
FitCoins convert to real rewards. Employees see their projected annual savings update in real time. A normalization engine lets a production floor and front office compete fairly on one leaderboard.
HR dashboard shows engagement, at-risk populations, and projected claims reduction. Verified behavior feeds an independent FSA actuarial model — a carrier-ready number, not a benchmark estimate.
This platform couldn't have been built five years ago, it can be built now.
Every employee carries a verified sensor in their pocket. HealthKit and Google Fit give us 90 days of pre-program behavioral baseline at zero hardware cost — no distribution, no procurement cycle.
ROI credibility was always the missing link. A credentialed FSA actuarial firm now produces carrier-grade analysis from our verified behavioral dataset. Real math, not a wellness vendor's benchmark.
ERISA safe harbors, ADA accommodations, and HIPAA-compliant document handling have matured enough that a compliant incentive program is now buildable for mid-market employers without a legal army.
Starting 2026, CMS pays physicians to assess physical activity every six months — the first federal recognition that verified activity is a billable health metric. The regulatory tailwind is now explicit.
CMS 2026 Physician Fee Schedule →The CFO signs the insurance check personally. There's no carrier to blame and no large company to absorb cost. When we prove ROI, it shows up on their P&L.
200–600 employees. Operations culture responds to measurable, data-backed ROI. CFO directly owns the claims spend. NAM reports 46% say obesity impacts productivity — our core pitch.
Primary segment · Vermont cohortPublic-sector self-funded plans under intense budget pressure. Union negotiations create urgency around any tool that demonstrably lowers the cost of benefits.
200–600 EE · High retentionPrivate companies where the owner feels every dollar of health cost personally. Fast decision-making cycle. No committee politics. Pilot closes in 60–90 days.
200–600 EE · 60–90 day sales cycleChannel partners who advise self-funded employers. Need a differentiated renewal tool — and a third-party actuarial number they can put in front of carriers. Fitvantage is that tool.
Year 2+ channel · Revenue shareEvery wellness vendor claims ROI. None produce a number a carrier will accept. Fitvantage generates an independent FSA actuarial output from your own verified behavioral data — not a benchmark, not an estimate. A real number, ready for your next renewal conversation.
Why this matters at renewal: Your broker brings a new carrier quote. You bring an independent actuarial analysis showing verified behavior change and projected claims reduction. That is a different conversation — and it is only possible because the data is yours, not your carrier's.
We're accepting four founding pilot employers, then the cohort closes. Free software — you fund only employee rewards — and we lock in your conversion price before the pilot starts. No long-term contract. No carrier integration required. Just results.