You manage your other two largest costs to the penny. Benefits, somehow, arrives as a renewal you can’t explain and can’t pass on to customers. This is the playbook we run on operations your size: we show you what is driving the cost and model a structure where favorable years can actually work in your favor, not just this renewal.
You forecast steel, freight, and labor to the dollar. Benefits is usually the one major input no one can explain. Here’s what the data shows.
On thin margins, a surprise increase you can’t forecast and can’t pass on to customers wrecks the budget. 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 workforce don’t lower your premium, because the structure was never built to reward them.
You need benefits to be a line you can forecast. Fixed monthly funding plus a defined risk ceiling turns a moving target into a budget line you can actually plan around.
When claims run low, the surplus stays with the carrier. On thin margins, that’s real money leaving the operation every good year, money a level-funded structure would refund to you.
You know your cost per unit to the penny. You hedge steel, you lock freight, you run the crew lean and safe. Then the benefits renewal comes in up double digits, you can’t trace where it came from, and you can’t pass it on to a customer. It’s a top-three cost and the only one you can’t plan.
We bring benefits in line with how you run everything else: the claims behind the number, a fixed monthly cost with the downside capped, and a healthy 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 group 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 carrier relationship. A Broker of Record letter is simply how you put ClearPlan in that seat. It names us as your benefits broker so we can shop your plan across carriers and work on your behalf. 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 operations 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 on the floor 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 budget.
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.