Until you say go, your carrier, your plan and your broker stay as they are.
Reading the assessment does not commit you to anything.
Three things stay put.
Until you decide.
Your Carrier
The relationship continues as it is.
Your Plan
Nothing is switched, signed or submitted.
Your Current Broker
You do not have to tell anyone anything yet.
Three paths.
Each is a legitimate choice.
Stay
Use the read to renew with confidence.
Negotiate
Use it to go back to the carrier with specific questions.
Go to Market
Test the market on a held census.
The method takes over.
And you know what to expect.
A Dated Plan
Steps, owners and dates.
Named People
Who to call.
The Same Standard Throughout
Written down, dated and checked.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
Do I have to change carriers or notify my broker just because I read your assessment?
No. Reading the assessment commits you to nothing. Your carrier, plan and current broker stay as they are until you decide to act. Nothing is switched, signed or submitted, and you do not have to notify your current broker at any point during the review.
What choices do I have once I have the written read?
You have three paths. You can stay and renew with the read in hand, negotiate with the carrier using specific questions, or go to market by testing the market on a held census. Which path makes sense depends on what the assessment shows for your group.
What changes if I choose to go ahead?
The method takes over with a dated plan that lists steps, owners and dates, and named contacts for each. Until you choose to proceed, none of that begins and your current arrangements continue.
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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