Insights and tools for employers, brokers, and PEOs to help employers make better decisions about the benefits they offer.
Practical answers to the questions employers ask most. No fluff, no sales pitches.
Limited-day and fixed-indemnity plans answer a real problem. Hourly workforces can’t afford traditional high-deductible plans, and plans people can’t afford don’t protect anyone. But the natural objection follows quickly: what...
Benefits get evaluated in spreadsheets, but they get experienced at the doctor’s office. The distance between those two views is where most plan design goes wrong. Employers read a plan...
Every renewal season, employers shop the market. Every renewal season, they end up with a slight variation of what they had before. This pattern isn’t accidental. It’s what the shopping...
Most employers track premium spend down to the dollar. Very few track what happens when employees don’t use the benefits that premium is paying for. The downstream cost of low...
Every employer plan inherited a set of design assumptions from somewhere. Those assumptions came from a specific moment in American history, shaped by a specific workforce, for a specific economic...
It’s a familiar complaint. “We offer good benefits and people just don’t use them. They don’t understand what they have. They don’t appreciate it.” If this sounds like something you’ve...
Most employers shop the market every year and still end up in the same place. That’s not a coincidence. When the underlying plan structure never changes, neither do the results....
We’ll review what you have today and where it’s working against you.
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