At this size the health plan is often the second-biggest check the company writes after payroll, and nobody owns it. Check it the way you'd check merchant fees. You'll get one of two answers worth showing the owner: here's the leak and roughly what it's worth, or the rates check out against the market. Nothing you type leaves this browser tab.
To print or save the owner page as a PDF, use your browser's Print command. Only the owner summary prints.
If something here looks off, or you just want a second set of eyes, I can walk you through your numbers. Two ways to go from here:
No pressure, and your current broker stays in place. mattragudo.com/fractional-cfos · aloha@mattragudo.com
Every number the tool uses lives here. Benchmarks come from a named source. Assumptions are labeled guesses you should replace with client data. Rules of thumb are adjustable thresholds, not standards. Verify benchmarks against the latest KFF Employer Health Benefits Survey; KFF usually publishes each new edition in late October.
Firm-size mapping: KFF's 2025 survey covers employers with 10 or more workers and reports small firms as 10 to 199. Every client in this view maps to that small-firm category.
Check the health plan the way you'd check merchant fees. In under ten minutes you get one of two answers worth showing the owner: here's the leak and roughly what it's worth, or the rates check out against the market. Both save time. Nothing you type leaves this browser tab.
To print or save the owner page as a PDF, use your browser's Print command. Only the owner summary prints.
If something here looks off, or you just want a second set of eyes, I can walk you through your numbers. Two ways to go from here:
No pressure, and your current broker stays in place. mattragudo.com/fractional-cfos · aloha@mattragudo.com
Every number the tool uses lives here. Benchmarks come from a named source. Assumptions are labeled guesses you should replace with client data. Rules of thumb are adjustable thresholds, not standards. Verify benchmarks against the latest KFF Employer Health Benefits Survey; KFF usually publishes each new edition in late October.
Firm-size mapping: KFF reports small firms as 10 to 199 workers in its 2025 survey (earlier editions used 3 to 199) and large firms as 200 or more. This tool maps any client under 200 employees to KFF's small-firm averages and 200+ to large-firm averages, regardless of the size band shown above.