Abstract: A scenario modeling engine that generates an enhanced insurance feature recommendation for a group of insured entities or employees is disclosed. The scenario modeling engine may aggregate demographic data regarding the insured entities, receive a user response indicating at least one insurance goal for the group regarding an insurance feature, generate an insurance feature score or profile according to the insurance goal and the received demographic data; generate a first insurance feature recommendation based on the profile; receive industry benchmark data for the insurance feature and report the first insurance feature recommendation compared with the industry benchmark; receive user input indicating revision for the insurance feature; and report a set of insurance features or an insurance plan based on the revision for the insurance feature. A bid or solicitation for a bid for an insurance policy may be automatically sent accordingly.