Most employers are shown two funding structures and told the renewal is the market. There are five. We measure all five against your census and your budget, then show the working: where the money goes, who carries the risk, and why one fits your group better than the others.
Paid by insurance carriers on what you choose to buy. No fee for the review.
Fully insured, level funded and self-funded are three different answers to the same question: who carries the claims risk, and who keeps a good year. ICHRA and a PEO are not stops on that axis at all. One is an allowance instead of a group plan; the other is someone else's plan and someone else's master contract.
Most renewals compare two points on the left of that axis. The working usually starts when a group sees the right half of the drawing.
The company pays three of them. None appears as a line item on a renewal.
A renewal quotes one number and implies it is the whole cost. It is not. Two other bills arrive on the employer's side of the desk, and neither one gets argued about with numbers.
The premium increase that arrives whether or not your claims earned it. It gets quoted as a percentage and argued as a feeling. Which of the five lanes you sit in decides who absorbs a bad year and who keeps a good one.
Compare the five lanes →The one with a due date and a penalty behind it: COBRA notices, plan documents, filing and testing deadlines. The paperwork was never the cost. The failure is.
What we own, and when →Two exits most employers eventually pay for: unwinding a PEO or co-employment arrangement, and the Medicare handoff for a long-tenured employee. Both get planned, or both get paid for.
How the handoff works →What is live, what is in build, and what stays inside our process.
| Instrument | Status | The question it answers |
|---|---|---|
| FundingIQ | Live | Which of the five funding lanes does this plan resemble, and what would a different one change? |
| BenchmarkIQ | In build | How does this plan design compare against published small-group benchmarks? |
| Form 5500 and Schedule A review | Internal | What do the filings say about the plan, and where does the money actually go? |
| Plan document critique | Internal | Where does the fine print differ from what the group thinks it bought? |
| Census-based quoting and renewal modeling | Internal | What does each lane cost on your actual population, not an average? |
No form here collects a census, claims data or health information. The diagnostic runs on five questions; quoting is a separate, person-led step that starts with your census file.
We also do not sell a lane. If the finding says you are already in the right structure, that is the finding, and the next step is usually nothing.
Get the census templateThree steps. The first two cost nothing and do not require your census.
Five questions, four minutes, one lane finding. You see the signals that put you there before anyone talks to you.
A short call to confirm the finding and the goal. If the answer is that nothing should change this year, we say so on that call.
Your census and current plan documents, all five lanes priced against your population, and the working shown in writing.
The diagnostic is free and takes four minutes. If the finding is worth acting on, the next step is a short call. If it is not, you have lost four minutes and no one calls you.