A report dated 9 October 2025 describes an employee-benefit captive offering developed by Advisory Services Network and Nordisk Aktuarservice. The proposed approach models HR-related risks, including stress, absenteeism and sick leave, to help organisations assess their total cost of risk before considering mitigation and financing choices. The report includes participant statements and discussion of Bayer evaluating the approach. It does not provide an independently assessed dataset demonstrating employer savings