Examiner workbench
What a state examiner sees: packs carriers submitted, each chain verified independently, case files sampled by model, and a cross-carrier benchmark that publishes only cells with at least three contributing carriers and no dominant contributor. Nothing here is sent to any regulator; this is the view they would have.
Submitted exam packs
| Pack | Carrier | State | Period | Hash on ledger |
|---|
| pack_e4072ef8b88d | bluebonnet | all | 2026-07-02 → 2026-10-31 | #1375 · c56fad6b39de2030… |
| pack_e922bb504177 | bluebonnet | TX | 2026-07-01 → 2026-10-29 | #1374 · bf5322daeb3c9b2c… |
Chain verification, every carrier
| Carrier | Entries | Result | Head |
|---|
| Bluebonnet Mutual Insurance Company (fictional) | 702 | intact | f0c8525379cf3aecb4… |
| Harborline Health Plan, Inc. (fictional) | 284 | intact | 4dcbba43208bc6313a… |
| Summit Range Life Assurance Company (fictional) | 400 | intact | cda1cdf958a91360ae… |
Sample case files by high-risk model
Cross-carrier benchmark
Hold and flag rates per thousand assessed decisions by state and line. Suppressed cells show why. This is the "aggregate statistics only" boundary: no carrier is identifiable and no transaction leaves its carrier.
| State | Line | Carriers | Assessed | HOLD per 1,000 | FLAG per 1,000 | Status |
|---|
| CO | auto | 1 | | | | suppressed: fewer than 3 contributing carriers |
| CO | home | 1 | | | | suppressed: fewer than 3 contributing carriers |
| CO | life | 1 | | | | suppressed: fewer than 3 contributing carriers |
| CT | life | 1 | | | | suppressed: fewer than 3 contributing carriers |
| NY | health | 1 | | | | suppressed: fewer than 3 contributing carriers |
| NY | life | 1 | | | | suppressed: fewer than 3 contributing carriers |
| TX | auto | 1 | | | | suppressed: fewer than 3 contributing carriers |
| TX | health | 1 | | | | suppressed: fewer than 3 contributing carriers |
| TX | home | 1 | | | | suppressed: fewer than 3 contributing carriers |
| TX | life | 1 | | | | suppressed: fewer than 3 contributing carriers |
Most frequent findings across all carriers
| Rule | Layer | Count |
|---|
| doctrine.unreviewed-adverse-high-risk | L6 | 114 |
| co.reg-10-1-1.governance-framework-amended | L3 | 92 |
| doctrine.zip-credit-interaction-proxy | L6 | 72 |
| tx.tdi.consequential-decision-without-human-review | L4 | 71 |
| co.reg-10-1-1.vendor-ecdis-documentation | L3 | 65 |
| co.reg-10-1-1.monitoring-undocumented | L3 | 65 |
| ny.cl7.disparate-impact-assessment | L4 | 42 |
| ny.cl7.governance-oversight | L4 | 42 |
| ny.cl7.third-party-accountability | L4 | 42 |
| ny.cl7.inventory-documentation | L4 | 42 |
| co.sb169.ecdis-adverse-untested | L2 | 25 |
| naic.ais-program.third-party-diligence | L1 | 24 |
| naic.ais-program.documentation | L1 | 24 |
| tx.542.algorithmic-denial-without-human-review | L2 | 17 |
| tx.4201.adverse-determination-by-automated-system | L2 | 15 |
