Benefits Package ROI Calculator
Getting Started — Your Next Steps
- Capture your results — take a screenshot or write down the key figures
- Compare these estimates against your most recent renewal notice
- Bring these numbers to your next conversation with your broker or advisor
- Ask about any hidden fees, participation requirements, or waiting periods
- Target your next renewal date as the ideal time to make any changes
Common Questions
What counts as ROI when it comes to employee benefits?
How quickly will I see a return on benefits investment?
Do I need to offer benefits to compete for employees?
Benefits ROI for roof-work companies: the turnover math
Roof work carries some of the steepest turnover and insurance costs of any trade. Crews are hard to recruit, harder to keep, and expensive to replace, and every churned crew member raises the odds of an incident on a high-risk job. A benefits package that holds a crew together is one of the few levers that improves retention and risk at the same time.
For a roofer, the experience modifier and claims history drive a large share of total cost, and workforce stability sits underneath both. This calculator translates lower turnover, fewer incidents, and faster hiring into dollars against your real crew and wage numbers, so you can see what a stronger package is actually worth to the business.
What drives the benefits case in this industry:
- Extreme crew turnover and the cost of constant rehiring
- Workers compensation premium and experience modifier
- Incident risk that rises with green, unstable crews
- Seasonal scheduling and off-season retention
For broader context on employer benefits and workforce costs, see OSHA's fall protection standards.
Run the numbers here, then compare funding options in the Health Plan Cost Projector or pressure-test next year with the Premium Renewal Stress Test. For the cross-industry view, see the general Benefits ROI Calculator.
Frequently asked questions
Why do benefits matter so much in roof work?
Because roof work combines high turnover with high physical risk. Keeping experienced crews reduces both rehiring cost and incident exposure, and benefits are one of the strongest retention tools available to a contractor.
How does retention affect my insurance cost?
Stable, experienced crews tend to have cleaner claims histories, which improves your experience modifier and lowers workers compensation premium over time.
Can a small roof-work company see a return?
Yes. Even a few percentage points of reduced turnover, paired with fewer incidents, often covers a meaningful share of a benefits upgrade. The calculator shows your specific range.
State and industry starting points for this calculator
20 separate state and trade pages (roof work) were merged into this calculator and now redirect here. Their only differences were the pre-selected state and industry and a default "typical employee salary". Those defaults are kept below as Benefitra estimates, not published wage data. Pick the state and industry in the form, press Load on a row, or open this page with ?state=TX&industry=electrical (any two-letter state code; industry names as in the table: roofing).
Show all 10 state and industry combinations
| Industry | State | Default typical salary | Use |
|---|---|---|---|
| Roof work | California | $60,450 | |
| Roof work | Florida | $44,280 | |
| Roof work | Georgia | $43,750 | |
| Roof work | Illinois | $58,230 | |
| Roof work | Massachusetts | $62,140 | |
| Roof work | New Jersey | $59,880 | |
| Roof work | New York | $58,760 | |
| Roof work | Ohio | $48,120 | |
| Roof work | Pennsylvania | $52,610 | |
| Roof work | Texas | $42,980 |
Benefits ROI starting points by state
Each state below lists the default typical employee salary the calculator uses as a starting point for that state and trade. Change any value in the calculator to match your own payroll.
- Benefits ROI starting points in California
- Benefits ROI starting points in Florida
- Benefits ROI starting points in Georgia
- Benefits ROI starting points in Illinois
- Benefits ROI starting points in Massachusetts
- Benefits ROI starting points in New Jersey
- Benefits ROI starting points in New York
- Benefits ROI starting points in Ohio
- Benefits ROI starting points in Pennsylvania
- Benefits ROI starting points in Texas
Benefits ROI starting points in California
- Roof work: default typical salary $60,450
Benefits ROI starting points in Florida
- Roof work: default typical salary $44,280
Benefits ROI starting points in Georgia
- Roof work: default typical salary $43,750
Benefits ROI starting points in Illinois
- Roof work: default typical salary $58,230
Benefits ROI starting points in Massachusetts
- Roof work: default typical salary $62,140
Benefits ROI starting points in New Jersey
- Roof work: default typical salary $59,880
Benefits ROI starting points in New York
- Roof work: default typical salary $58,760
Benefits ROI starting points in Ohio
- Roof work: default typical salary $48,120
Benefits ROI starting points in Pennsylvania
- Roof work: default typical salary $52,610
Benefits ROI starting points in Texas
- Roof work: default typical salary $42,980