EB3 is a standalone Employee Benefit Booklet Builder — a subscription platform that lets insurance brokers and benefits agencies create booklets, microsites, SPDs, legal notices, and more in minutes, not hours. A growing SaaS business with a no-contract subscription model serving agents across multiple tiers needs more than basic bookkeeping to manage its finances well.
EB3 sells subscriptions with no contracts and no startup fees — which means revenue comes in monthly, churn can happen at any time, and the financial picture changes every month. Without proper revenue recognition, MRR tracking, and cost visibility by function, it is impossible to understand whether the business is growing profitably or just growing.
Each component was designed to give a no-contract SaaS business the financial visibility it needs to make decisions about pricing tiers, feature investment, support costs, and growth.
Built proper revenue recognition across Agent+ ($199/mo), Agency+ ($499/mo), and Enterprise+ ($999/mo) — distinguishing cash collected from revenue earned and tracking deferred balances correctly.
Created monthly recurring revenue reporting that tracked active subscribers by tier, MRR growth, and retention trends — giving leadership the subscription-level visibility that a standard P&L does not provide.
Reorganized operating costs by function — product development, customer support, compliance (SOC2, HIPAA), and infrastructure — so leadership could see where spending was going and how it related to growth.
Created a reliable, repeatable monthly close so the books are current and decision-ready each month — not just reconciled annually for tax purposes when it is too late to act on what the numbers show.
Built a forward-looking cash view connecting subscription collections, operating costs, and compliance-related obligations — giving leadership visibility into runway and safe-to-spend beyond the bank balance.
Established a consistent monthly review rhythm covering MRR, margins, cash, and cost trends — so leadership has a reliable financial update on a predictable schedule to inform product and pricing decisions.
For a no-contract SaaS business, financial visibility is not optional. Pricing, tier structure, support investment, and compliance costs all require reliable monthly data to manage well.
Proper revenue recognition and MRR tracking by tier replaced a simplified view of subscription income — giving leadership an accurate monthly picture of what the business was actually earning, not just what had been collected.
Tracking costs by function — development, support, SOC2/HIPAA compliance, infrastructure — gave leadership a real picture of where money was going and how the cost structure was evolving relative to subscriber growth.
Consistent monthly close and reporting gave leadership a current view of MRR, margins, and cash each month — replacing the pattern of only reviewing finances at year-end, when it was too late to act on what the numbers showed.
With revenue by tier tracked, costs visible by function, and cash planning in place, leadership had better information for decisions around pricing tiers, feature investment, and the cost of supporting a HIPAA/SOC2 compliant platform at scale.
A no-contract SaaS with multiple pricing tiers, compliance obligations, and a growing subscriber base needs financial infrastructure that reflects how the business actually works — not a generic chart of accounts.
EB3 is a standalone SaaS platform that lets insurance brokers and benefits agencies create employee benefit booklets, microsites, WRAP SPDs, legal notices, and broker compensation forms — in minutes, not hours.
The platform serves agents across three subscription tiers (Agent+, Agency+, Enterprise+) with no contracts and no startup fees, and is SOC2 and HIPAA compliant.
In a 30-minute call, we'll review your current setup — subscription revenue, MRR tracking, cost structure, or monthly reporting — and discuss what level of support makes sense for your business.
No commitment required. A practical conversation about where things stand.