Your renewal on a held census, with the arithmetic shown.
So you can take it to a board, a CFO or an owner and answer the first three questions without calling us.
A renewal you can read.
Not a summary. The work.
The Renewal Restated
The carrier’s ask, laid out by plan and tier.
The Arithmetic Shown
Rate, enrolled counts and total, line by line, so anyone can check it.
The Comparison
Against last year’s final, and against what the market would charge for the same plan.
The ones that always come.
Each has an answer in the document.
Why Is It Up?
How much is the market and how much is your own claims.
Is That Fair?
How the ask compares with an independent read of the same file.
What Are the Options?
What each choice would do to the number, and what it would cost to make it.
Anyone who has to sign off.
Including people who were not in the room.
The Owner
A plain answer, with the reason.
The CFO
The numbers, with the method.
HR
Something to say when employees ask.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
What do we get when you restate our renewal on a held census?
You get the carrier’s proposed rates laid out by plan and tier, with rates, enrolled counts, and totals shown line by line so anyone can check them. It also compares the number to the prior year’s final premium and to market pricing for the same plan.
Will this document tell us why our renewal went up and whether it is fair?
It addresses both. It separates market-driven increases from your group’s own claims experience, then compares the carrier’s ask with an independent review of the same data. It also shows how each option would affect the number and what it would cost to implement.
Who is the renewal document written for within our company?
It is written for the owner, the CFO, and HR. The owner gets a plain answer with its reasoning, the CFO gets the numbers and the method behind them, and HR gets guidance for answering employee questions about the renewal.
Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.
General information, not legal or tax advice. Plan-specific questions belong with the plan documents, the carrier and counsel.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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