A plain assessment of whether your renewal looks competitive.
With the reasons, the options and what we would do, written down so you can use it.
Four things, in plain words.
Without a sales pitch.
Whether the Renewal Looks Competitive
A clear answer, with the arithmetic behind it.
Where We See Opportunity
Specific, not general.
What We Would Ask the Carrier
The questions we would put to them.
What We Would Not Do
Including when the right answer is to hold.
All three are real.
We say which applies.
It Looks Competitive
Then we tell you so, and what to watch next year.
There Is Room
Then we show where, and what it would take.
Hold For Now
Then we say why, and when to look again.
Whatever you decide.
The read does not depend on a decision.
In Writing
So you can share it.
No Obligation
You can use it with whoever you like.
No Cost
Sending us your renewal is free.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
What will the written renewal review actually tell me?
It tells you whether your renewal looks competitive, with the supporting math. It also shows where we see opportunity, the questions we would ask the carrier, and what we would not do. It comes with the reasons and options, written down so you can use it.
What if the review says my renewal is fine as it is?
That is a legitimate answer. If the renewal looks competitive, we say so and note what to watch next year. If the best move is to hold for now, we explain why and tell you when to look again, rather than recommending activity for its own sake.
Can I share the written read with other people, and does it cost anything?
Yes. The read is yours, in writing, and you can share it or use it with anyone. It carries no obligation and sending a renewal for review is free. It is independent of whatever decision you make about your carrier or your broker afterward.
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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