Deep dive — chart 3

Chart 3 — lane rate per applicant group, baseline vs recent

The chart with the operational + regulatory bite. Where score-distribution shifts translate into actual quote routing. I3 decline / refer-SIU rate rose sharply from 11% to 62%. Other applicant groups stable. That is the exact adverse-impact signature DOI examiners look for.

Underwriting-lane rate per applicant group, baseline vs recent

Underwriting-lane rate per applicant group — baseline (left) vs recent (right). I3 decline / refer-SIU rate rose sharply while other applicant groups stayed stable.

What you are looking at

Grouped bars per applicant group (I1 / I2 / I3 / I4 / I5)
Three colors per applicant group: Standard Auto-Bind (green) / Manual Review + Surcharge (blue) / Decline or Refer SIU (red)
Left cluster: baseline (first 30 days) — the "normal" routing per applicant group
Right cluster: recent (last 30 days) — the current routing per applicant group

What the chart shows

I1, I2, I4, I5 — lane rates roughly unchanged between baseline and recent.
I3 — decline / refer-SIU rate rises sharply (11% baseline → 62% recent). Standard-auto-bind rate collapses. Manual-review absorbs the remainder.
The differential exists only for I3. Other applicant groups are roughly unaffected.

51 percentage-point differential in decline / refer-SIU routing. One applicant group. Silently. Over 60+ days. This is the exact operational pattern the NAIC AI Model Bulletin adverse-impact-testing expectation + NY DFS Circular Letter No. 7 + Colorado Reg 10-1-1 § 5.A.9 are calibrated to detect.

Why aggregate metrics missed it

Because I3 is one applicant group among five, the aggregate decline-lane count moved less than the differential suggests: the I3 rise was partially offset in aggregate by stability in the other four groups. That is why the quote-to-bind dashboard stayed green. Aggregate metrics are inherently blind to group-differential patterns, and group-differential patterns are inherently what disparate-impact analysis is built to surface.

The signal that fired the A/B/C determination

The 51 percentage-point rise in I3 decline / refer-SIU routing crosses the sensor's 12% group-differential threshold on a scale that leaves no ambiguity. Once this signal fires, the Snapshot lands on Category C by rule — no matter what any other metric shows.

See the Category-A/B/C decision logic →

The exhibit-quality read

This chart is what a plaintiff's expert witness, state DOI market-conduct examiner, or state AG investigator asks the operator for first. It is also what the operator's GC should have on file before any of them land — because the same chart, in the operator's hand, tells a different story:

Same chart, operator stance: "we identified this pattern through independent verification on Day X, initiated the following remediation on Day X+N, and here is the timeline of that remediation." The chart becomes evidence of good-faith investigation, not evidence of missed monitoring.

$499 Snapshot. 3 business days.

Same lane-shift chart for your carrier's actual AI surface + full determination + 3 fix-first items.

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