You price every job to the dollar - labor, burden, materials, the bond. Then the health renewal lands up double digits, after the bids are already out, with nowhere to put it. This is the playbook we run for contractors and trade firms your size: we show you the claims data driving the cost and model a structure where a healthy crew year actually lowers it, over three years, not just this one.
You estimate labor, burden, and materials to the dollar. Benefits is usually the one major cost no one can explain. Here’s what the data shows.
The increase lands after your bids are out, with no way to pass it to the GC or the owner. The renewal arrives as a percentage, never the claims experience that drove it.
Fully insured pools your experience away. A strong safety record and a healthy crew don’t lower your premium, because the structure was never built to reward them.
You need benefits to be a line you can forecast a year out. Fixed monthly funding plus a defined risk ceiling turns a moving target into a burden rate you can actually price into a job.
When claims run low, the surplus stays with the carrier. On a contractor’s margin, that’s real money leaving every good year, money a level-funded structure would refund to you.
You bid every job to the penny - labor, burden, the bond, the contingency. You run a tight safety program and your EMR shows it. Then the benefits renewal comes in up double digits, after the bids are already out, and there’s nowhere to put it. It’s a top-three cost and the only one you can’t price.
We bring benefits in line with how you run a job: the claims behind the number, a fixed monthly cost with the downside capped, and a healthy crew year that actually lowers what you pay instead of padding the carrier’s margin.
Send us three documents you already have: your current plan summary, a census, and your last renewal. We run the analysis at no cost and tell you, honestly, whether there’s an opportunity. If there isn’t, we’ll say so.
For the right groups, a level-funded plan replaces the carrier’s black box with three transparent buckets: a claims fund, administration, and stop-loss insurance that caps your risk. You pay a fixed monthly amount, just like today.
When your crew stays healthy, surplus comes back to you instead of the carrier. And you finally see exactly what’s driving your cost, every quarter, not once a year.
Your current broker holds the keys to your data. A Broker of Record letter is simply how you take them back. It names us as your benefits broker so we can pull your actual claims and shop your plan across carriers. One page, on your letterhead, reversible anytime.
How we’re paid: through the carrier, the same way your current broker is, built into a plan you’d pay for either way. No invoice from us. We only win when you do.
Send three documents you already have: your plan summary, a census, and your last renewal. We’ll run a full analysis at no cost and model whether a funding change would actually save you money. If the numbers aren’t worth your time, we’ll say so. If they are, we’ll set up a short call and move fast.
Start my free analysisMost contractors do. Did they show you the claims data behind your last increase and model an alternative, or just hand you the number? A second look at your own data is free.
Same doctors, same network, same cards. Only the funding behind the scenes changes. Nobody in the field notices a difference.
Stop-loss caps it. Your worst case is defined before you sign, so no surprise can blow past a ceiling you agreed to up front. That’s the number you bid.
That’s exactly why this starts with three documents you already have. We do the analysis. You only meet us if it’s worth your time.
One analysis. Your own data. No obligation. Find out what your health plan is really costing you, and what it doesn’t have to.
Get my free cost analysisTakes 5 minutes to send the documents. We do the rest.