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Illustrative: M1 → M12 customer journey
M1 → M12
Cash flow $42K
Turnover 32%
Clients won / mo 3
Better benefits per dollar
Independent brokerage. We model your renewal across all seven funding paths and recommend the one that fits — not the one we already know how to sell.
Independent. Seven funding paths. Fees disclosed day one.
Proof: 34% saved · 96% hike avoided · $115K WC cut.
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Seven funding paths under one roof.

Most brokers sell the one or two they know. We model all seven against your actual headcount and claims data, then recommend the one that fits.

Fully-Insured
Carrier bears 100% of claims risk. Predictable monthly premium, minimal admin.
Best for unhealthy groups under 50 employees
Level-Funded
Self-funded economics with a stop-loss safety net. Surplus refunds in a good year.
Good for under 20 employees
Self-Funded
Full transparency, full claims control, full upside on a healthy year.
Good for 100+ employees
Self-Funded Captive
Pooled risk across like-sized employers with laser stop-loss protection.
21–50 employees with good health · 51+ for cost control & renewal stability
ICHRA
Defined-contribution model. Reimburse employees for individual market plans.
Best when offering health insurance is unaffordable
PEO-Integrated
HR + benefits + workers' comp bundled through a co-employer relationship.
Best for healthy, growing sub-50 teams
Taft-Hartley
Multi-employer trust under collective bargaining. ERISA-protected.
Best for unparalleled premium-renewal stability
Compare all seven →
Side-by-side. Group size, cost profile, risk transfer, admin burden, plan flexibility.
Decide in minutes

Model your benefits strategy with 586 free tools.

Six flagship planning tools plus our roofing EMR calculator. Use your own data. Every tool is free, no sign-up, no email gate.

~3 minRiskScenario Planning
Premium Renewal Stress Test
Model your renewal across all seven funding strategies. Project savings over 2–6 years.
~4 minROICost Analysis
Benefits ROI Calculator
Translate benefits spend into measurable returns on retention, productivity, and bottom line.
~2 minFundingForecasting
Health Plan Cost Projector
Project costs across self-funded, level-funded, captive, ICHRA, PEO, and fully insured.
~2 minExitBenchmarking
Business Valuation Tool
Planning an exit? See how benefits + HR + compliance upgrades affect your sale value.
~2 minStrategySavings
Benefits Savings Strategy Builder
Personalized savings roadmap. 25+ strategies tailored to your headcount and workforce.
~3 minWorkers' CompRoofing
EMR Roofing Calculator
Cut your workers' comp mod rate. Model crew safety actions vs your experience modifier (also called EMR or X-Mod).
~3 minCash FlowCFO
CFO Cash Flow Analyzer
Self-funded vs fully insured: working capital, float interest, contract protections, break-even crossover.
Explore all 586 tools →

See what your benefits look like under each of the seven funding strategies.

Bring your current plan, your renewal, and your headcount. We model the math across every funding arrangement that could work — and you decide what fits.

Compare all seven → Talk to an agent