What you get
The analysis comes with the brokerage.
Most renewals come with a rate and a recommendation. Mine come with the work behind them: how the carrier got to the number, how the market compares, and what each alternative would cost you.
It's part of how I broker, not a separate bill. The scope fits the situation. A small group might need a clean side-by-side comparison. A 150-employee level-funded group needs its claims experience, the carrier's funding rates, and the surplus terms read closely. Your company's and your employees' data are kept confidential and shared with carriers only as needed to quote and place your coverage.
Scope
What the work can cover
Not every renewal needs every piece. I'll tell you which ones matter for yours.
- How the renewal was built
- How the carrier arrived at the number, line by line.
- Cost-growth check
- Whether the carrier's assumed growth in medical and prescription costs matches your own claims.
- Large claims review
- Large-claimant detail, and what's likely to recur versus a one-time spike.
- Market comparison
- Every quote on the same basis: rates, plan design, and which doctors stay in network.
- Stop-loss review
- The coverage that caps large claims: what it costs, what it excludes, and whether it was shopped.
- Prescription drug contract
- How drug pricing and rebates flow, and where the contract language leaves room for overcharges.
- Fee stack & compensation
- Every fee in the stack, including mine, with nothing bundled out of sight.
- Plan design modeling
- Deductible, copay, and contribution changes priced against your own claims, not industry averages.
Use
What you can do with it
- Take it to your board or leadership team as the basis for approving the renewal.
- Give it to your CFO so the benefits line is defensible in the budget.
- See exactly why one option was recommended over another, and what I'm paid on each.
- Keep it as next year's starting point, so the renewal conversation starts from the facts.
Samples
Sample analysis
These workbooks show the kind of model behind a recommendation: the actual analysis, not a slide deck summarizing it. All six are fully illustrative, built with sample data and fictitious vendors to show the structure and level of detail, not a real client's numbers.
Each one opens in Excel. Download whichever line of coverage is closest to what you're working on.
Medical RFP analysis
A medical claims RFP repricing and vendor network comparison: renewal underwriting projection, vendor cost comparison, disruption analysis, and full claims detail.
.xlsx · 42 KBDownloadRx (RFP) analysis
A pharmacy claims RFP repricing and PBM vendor comparison: underwriting projection, disruption analysis, and claim-level detail.
.xlsx · 48 KBDownloadSelf-funded medical & Rx rate development
Four-tier funding rates for a self-funded medical and pharmacy plan: claims net of stop-loss, trend and Rx rebates, the full fixed-cost stack, EE / EE + Spouse / EE + Child(ren) / Family rates, COBRA rates, and maximum plan liability.
.xlsx · 24 KBDownloadDental RFP analysis
A dental claims RFP repricing and vendor network comparison: renewal underwriting projection, vendor cost comparison, plan design, and disruption analysis.
.xlsx · 44 KBDownloadVision RFP analysis
A vision claims RFP repricing and vendor network comparison: renewal underwriting projection, vendor cost comparison, plan design, and disruption analysis.
.xlsx · 44 KBDownloadLife, STD & LTD RFP analysis
Group life, short-term disability, and long-term disability rate and plan design comparison across three vendors, with census and volume detail.
.xlsx · 24 KBDownload
Next
Want this built on your renewal?
Send me the file and I'll tell you what I'd look at first, or see a sample teardown.