Performance was driven by a distribution-led model that expanded the partner network by 34% to 858 brokers and TPAs, though management notes penetration remains below 0.1% of the total U.S. broker market. The company successfully transitioned up-market by extending its EDIBS platform to support employers with over 100 employees, moving beyond its initial small-group focus. Operational efficiency is anchored by compressing underwriting timelines for large employers from approximately three months to ro ...