Employers want the financial risk explained and results they can measure.
A broker who cannot show what changed, and why, is asking to be trusted rather than checked.
What sponsors are asking for.
Employee Benefit News notes that plan sponsors want more than a renewal.
Risk Explained
Where the plan can lose money, what stop-loss covers and what a bad year would cost, written in plain terms.
Indicators of Success
Measures an HR leader or CFO can check against last year: cost, participation, claims and compliance.
Fewer Surprises
Mid-year problems found early, not discovered when the renewal arrives.
What proof looks like.
Evidence you can read without us in the room.
A Written Baseline
The datum is on paper, so any later number can be compared with it.
Wins With Reasons
Each saving is labeled as a carrier move or a negotiation, with the refusals recorded.
A Clear Record
Dates, documents and decisions are kept, so the next year builds on the last.
How we keep it up.
Reporting is part of the work, not an extra.
Reviewed Through the Year
We go over the indicators with you during the year, not only when a renewal is due.
Same Stages Each Year
The five stages repeat, so one year is comparable to the next.
A Team Behind It
We work in teams of five, so the reporting does not depend on one person.
Questions Employers Ask About This
What counts as a result?
A number you can compare with the datum, with a reason for the change.
How often do we hear from you?
Through the year, not only at renewal. The review points are set when the account starts.
Can we see this before we hire you?
Send us your renewal and we will show you how we would read it.
Related guides.
From Renewals to Results: The Broker Playbook
The full playbook.
Why Plan Shopping Is Not Enough at Renewal
Why quotes alone fall short.
The Datum: A Fixed Baseline for Your Renewal
The fixed baseline.
Want this applied to your renewal?
Send us the renewal and we will run it through DATUM and show you where the number comes from.
Your renewal letter
Your census
Your current plan documents
Your renewal date
Rough answers are fine. We build the numbers from there.
Laws and rules referenced
Employee Benefit News: Renewals to Results — Opinion piece on brokers moving from plan shopping to data-driven advisory work.
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. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.