Run your number
Thirty seconds to the number your PEO hopes you never compute.
Slide, pick your PEO, read the band. No email wall. The exact number takes one meeting and one invoice.
What you pay, not what employees contribute: your annual company health line divided by employees enrolled. Small-company median runs $9,500 to $11,500. Most owners have never computed this number. Their PEO has.
Not sure? Most PEOs land between $40 and $160. If yours is bundled into one number, that is part of the problem.
Your estimated annual recovery band
Above market$90,300 – $180,500
up to $2,410 per employee, every year
You are paying above the small-company median band. This is where re-shops find real money. Bands come from published small-company benchmarks and documented re-shop outcomes, not a promise. Anyone who quotes you a single number without your invoice is guessing.
Doing nothing is not free. At the 9.5 percent trend projected for 2026, this health bill grows about $85,500 next year on its own.
TriNet renews January 1. Their increase letters land October through December. Your leverage peaks 60 to 120 days before renewal. Start now and the math is on your side.
Free. No obligation. We only get paid when you save.
What this math is and is not.
It is
your employer-paid health spend graded against published small-company benchmarks, plus the 15 to 25 percent admin-fee reduction a competitive re-shop documents in this market. Health is the bigger number for almost everyone.
It is not
a quote. The bands come from KFF, Mercer, and documented re-shop outcomes, not from your invoice. The exact number takes one meeting and one invoice.
It is honest
about one company in three finds it is already at market. If your spend is lean, the calculator says so on the spot, and the written audit says it again.
Anyone who quotes you a single number without your invoice is guessing. We quote a band, then we go get the exact figure.
The disruption question
Keep the plan. Change the price.
The savings above only matter if capturing them does not blow up your benefits. So when we shop your account, moves that keep your carrier and plan design comparable go to the top of the list. Same network, same doctors, different price. When that is on the table, the decision stops being a benefits project and starts being a line item.
Sometimes the right answer is the same carrier at a lower all-in cost. Sometimes the bigger number lives one carrier over, on a matched plan design. Both go in the audit, priced side by side, and when a true same-plan move is not available you hear that from us first, in writing, before anyone asks you to decide anything.
The band is free. The exact number costs one meeting.
Twenty minutes, one invoice, your number and your date.
Free. No obligation. We only get paid when you save.