People & total rewards

Most companies set pay by instinct. Then wonder why offers get declined.

Benefits are half of total rewards. The other half — how pay decisions actually get made — is usually undocumented, inconsistent between managers, and disconnected from what the company already spends on benefits. The two halves are competing for the same budget, so they should at least be designed in the same room.

Talk through your pay structure

Structure before numbers

A pay philosophy is a decision you can defend twice.

Most pay disputes are not about the amount. They are about the absence of a rule — two employees in similar roles paid differently with no stated basis is a problem that compounds quietly.

Where you intend to sit

At market, above it on pay and at it on benefits, or the reverse. Stating the intention makes every individual decision easier and makes the exceptions visible as exceptions.

Ranges and progression

Salary ranges tied to real market data, with a stated basis for where someone sits in a range and what moves them through it. Managers then have something to say in a review other than a number.

Who decides

Approval thresholds and a simple record of decisions. The governance point is the same one that applies to the health plan: a defensible process beats a good instinct.

The same argument, applied to the plan →

Market pricing

Price the role, not the resume in front of you.

Market data answers a narrow question well: what does this work cost in this place. The mistakes happen in how the question is framed.

Match on scope, not on title

Titles are not standardized between employers. A match made on title alone imports someone else’s org chart into your pay structure.

Geography, deliberately

Remote and multi-state hiring forces a choice: one national range, or geographic differentials. Either is defensible. Drifting between them by accident is not.

Total cost, including benefits

An offer competing against an employer with a far weaker plan is stronger than the salary comparison suggests, and the statement that proves it already exists.

Show employees the whole number →

Incentives

A bonus plan rewards whatever it measures, whether or not you meant it to.

Design against behavior

Incentive plans built around the outcomes you actually want, with the perverse cases thought through before the plan is announced rather than after the first payout.

Funded alongside benefits

Variable pay and benefits draw on the same budget. Designing them together is how you avoid funding a bonus pool in a year the plan needed the money.

Explained once, clearly

An incentive nobody can calculate does not motivate anyone. Plain terms, a worked example, and the same answer from every manager.

HR support around the structure →

Let’s get to work

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.

What to send

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.

CFH Insurance Consultants

An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.

Michigan41000 Woodward Ave, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853
ColoradoColorado Springs
719.425.2649
TexasHouston
281.404.5670

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