Part of DATUM

We reprice your renewal on a held census, so every later measurement has a fixed reference.

A datum is the reference point everything else is measured from.

Send Us Your Renewal

What Setting It Means

Three actions.

Before anything is compared.

We Fix the Census

The enrolled counts are frozen at a named date.

We Reprice the Renewal

The carrier’s ask is restated on that census, tier by tier.

We Record the Ask

As stated, dated and in writing.

Why the census is held

Why It Is Called a Datum

A fixed point.

Everything else is a measurement from it.

Every Comparison Uses It

Quotes, counter-offers and next year’s renewal.

It Does Not Move

A comparison on a moving file compares nothing.

It Is Written Down

So it can be checked by someone who was not there.

What the baseline record contains

What You See

The renewal restated.

Often for the first time.

The Increase, Explained

How much of it is market and how much is your own claims.

The Arithmetic

Shown by plan and tier.

Questions to Ask the Carrier

The ones we would put to them.

Run it yourself first

Questions We Get

Questions that come up.

Short answers to the questions we hear most. Each links to the full page.

What does it mean to set the datum on my renewal?

We freeze enrolled counts at a named date, restate the carrier’s renewal ask on that fixed census tier by tier, and record the ask in writing. That gives every later measurement a fixed reference, so quotes, counter-offers and next year’s renewal can all be compared against it.

Why does the census need to be held still for pricing comparisons?

A moving file compares nothing. If enrollment changes between quotes, the numbers no longer line up. Holding the census at a fixed date writes the baseline down so that anyone can check it later and every quote is measured against the same starting point.

What will I see when you restate my renewal?

You see your renewal restated tier by tier with the arithmetic shown, how much of the increase is market-driven versus claims-driven, and the questions worth asking the carrier. The baseline is written down so it can be reviewed later.

Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.

Talk to an Expert

General information, not legal or tax advice. Plan-specific questions belong with the plan documents, the carrier and counsel.

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.

Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →

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