TBM Payment Plan Report

The Pathway Membership · Internal Report

Payment Plan
Renewals & Retention

12-Month Plan · Data through May 8, 2026

Overview

Cohort size tracked

5,150

Oct 2025 – Jan 2026 enrollees

Avg completion rate

75–77%

reach installment 12

Renewal rate (completers)

~21.8%

Jan–Apr 2025 cohorts

Oct–Jan early drop rate

12.7%

655 of 5,150 dropped early

Question One

Oct 2025 – Jan 2026: who dropped early?

Expected installments by data cutoff (May 8, 2026) — Oct→7, Nov→6, Dec→5, Jan→4

On-track vs. dropped by enrollment month

Customers at or above their expected installment count

On track Dropped early
Oct: 457 on track, 114 dropped. Nov: 1522/234. Dec: 1637/208. Jan: 879/99.
Month Enrolled On track Dropped Drop rate Where they stopped
Oct 202557145711420.0%Months 1–3 most common
Nov 20251,7561,52223413.3%Months 1–2 most common
Dec 20251,8451,63720811.3%Months 1–2 most common
Jan 20269788799910.1%Months 1–2 most common
Total5,1504,49565512.7%

When exactly do they drop?

Installment number at which dropped customers stopped — combined Oct–Jan cohort

Most drops at months 1–3.
Month 1 drops (226 customers) are most likely failed payment retries or immediate buyer's remorse. Months 2–4 represent people who started but couldn't sustain. There is no spike at months 5–6 in this recent cohort yet — that may still emerge as these plans mature.
Question Two

May 2025 enrollees: did they renew in May 2026?

1,068 enrolled · 12-month cycle completing April–May 2026

Completion funnel

From enrollment to renewal

1068 enrolled, 818 completed, 23 renewed.

Max installment reached

Distribution across the cohort

795 reached month 12. Drops spread months 1–11.
Why the 2.8% renewal rate is a timing artifact, not a true rate. 792 of the 818 completers only hit their month 12 payment in April 2026 — just 1–4 weeks before the data export. Their renewal window had barely opened. Compare this to Jan–Apr 2025 cohorts, who had 1–5 months after completing month 12 and show 17–23% renewal rates. May 2025 is almost certainly on the same trajectory. Re-pull this cohort in July 2026 for the real number.
Question Three

Renewal rate: Jan–May 2025 cohorts

Plans completing Jan–May 2026 · Jan–Apr have sufficient post-completion time to measure

Renewal rate by enrollment month (completers only)

⚠ May 2025 rate is a timing artifact — window just opened

Completed, did not renew Renewed (installment 13+)
Jan–Apr renewal rates 17–23%. May is a timing artifact.
Enrolled Enrolled Completed mo.12 Completion % Renewed Renewal % (completers)
Jan 20251,23192074.7%21423.3%
Feb 202560443872.5%9521.7%
Mar 202561647176.5%11023.4%
Apr 202558143675.0%7617.4%
May 20251,06881876.6%232.8% ⚠ timing
Jan–Apr total3,0322,26574.7%495~21.8%
Roughly 1 in 5 completers renew across the Jan–Apr 2025 cohorts. Completion rate is consistent at ~75% across all months. The April dip to 17.4% may be an early trend worth watching as May and June cohorts mature. If it holds, a targeted re-engagement campaign for completers in their final 30-day window could meaningfully lift this number.

To Be Magnetic™ · Internal Analytics · May 2026