What a group census actually does to your quoteSix columns decide the number on your renewal letter. Here is what each one moves, and why a clean census beats a fast one.Read the guide Written at the desk
Guides, because clients kept asking
Each of these started as a question somebody asked in a meeting. They are longer than a blog post because the answers are longer than a blog post.
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Guides
Everything we have published
What a group census actually does to your quoteSix columns decide the number on your renewal letter. Here is what each one moves, and why a clean census beats a fast one.Read the guide 
Compliance · 8 min readCounting to fifty: how the employer mandate really counts your staffThirty hours, not forty. Part-timers that roll up. Three LLCs that are one employer. A plain-language walk through the ALE test.
Employers · 7 min readYour cheapest carrier may not reach your workforceHMO, EPO, POS and PPO behave very differently once your people live in more than one county. What a distributed team loses at the line.
Employers · 6 min readThe contribution split is a participation lever, not just a costMoving from 50 to 75 percent of the employee-only premium costs money and frequently pays for itself in the next renewal. Here is the mechanism.
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