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At scale, an unchallenged renewal is real money left on the table.
With hundreds of employees, a few points on the renewal is a budget line of its own. Yet the plan is often priced off pooled assumptions, and the broker's spreadsheet is the only view you get.
The rigor a large plan deserves.
Full market bid, carrier-level rate attribution, and a licensed team that manages the renewal end to end. The analysis a big consultant runs over weeks, delivered same-day.
Step 1 · Share the basics. A short form and your census.
Step 2 · See your workforce risk. Trend, age drift, and enrollment mix, explained.
Step 3 · Review and choose. Every option side by side, with our recommendation. You decide.
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AWM Capital — $156,914 saved in 30 minutes.
Light Labs — A finished renewal turned into $113,115 in savings.
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FAQs
We already have a benefits consultant. What's different here?
You see the working. A full market bid, every quote it produced, and the rate breakdown line by line instead of a summary of it.
What is rate attribution, and why does it matter at our size?
It's the breakdown of why your rate moved: claims trend, your team getting older, and changes in who enrolled. At a few points on a large plan, knowing which of those moved is worth real money.
Can we see our own claims data?
That depends on your funding structure. Self-funding is the only model that reliably hands you your own claims data, and that visibility is what makes future renewals negotiable.
Should we be self-funded at our size?
Possibly. Past 100 to 150 employees, the margin a carrier charges to carry your risk gets hard to justify. It comes down to your claims history and whether a heavy month would strain cash flow.
How long does the analysis take?
14 to 21 days for a full market audit and your risk score.
Who manages the renewal day to day?
A licensed team, with the whole timeline visible to you from going to market through to the effective date.
If we can't find a better setup than what you've got, we'll tell you on the call.
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