Start from your actual wage tiers.
We start from your actual caregiver wage tiers, including the ones that sit near the line.
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The lowest wage tier usually sets the limit.
What Happens In This Step
We list every caregiver pay rate and group them into tiers. The lowest tier is the one most likely to constrain the contribution.
We also note rates that sit close to a threshold, since small wage changes can move them across it.
What You Get From It
A clear map of wage tiers and where each sits relative to the affordability limit.
It is the input to every later step and shows where the risk is.
What this step needs and produces.
What We Need
A list of caregiver hourly rates, even without names.
What We Do
We build the tier map and flag the lowest and near-line tiers.
What You Get
A one-page wage tier summary.
Questions on this topic.
Short answers for agency owners.
Do we need to share names?
No. Rates and counts are enough.
What if rates vary by client?
We group by the rate the caregiver is paid. Different rates for the same caregiver need care and we tell you how to handle them.
Does this include office staff?
We can include them separately, since different rules can apply.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
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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