I would have built it much different.
Submit everything on a pdf form.
A day later, you get a new form in the email.
Fill that out. Send it in, done.
Do all the processing in batch. Minimize the online process.
The USPS would love that...
But then there would not be so much time to pick through your hard drive while you are there....
I was thinking something very similar. Auto insurance, fill out a form and then check your email. Insurer that what your business will respond to the email address you left. Simple and effective. Now, the back end that allows insures to check you eligibility would still have to be built, but that would not be to difficult to build. I could bring in such a system for way less the 640 million. lol.