Choice Benefits Intelligence • Sample employer analysis
One census. Three strategies. One recommendation.

Choose the right way to fund benefits.

Choice Benefits combines market pricing, group participation and predictive risk intelligence to compare every viable strategy.

CHOICE BENEFITS INTELLIGENCEEvery signal in one decisionSample analysis • No personal health data
PREDICTIVE RISK INTELLIGENCE

See what the standard quote cannot show.

Appropriately authorized, de-identified medical and pharmacy data reveals workforce-level cost and risk signals before the employer chooses a funding path. The result is not simply a score—it is evidence for comparing All Group, CHOICE Only and the best compliant combination.

01Secure inputsCensus, current plan, medical and Rx data
02Risk signalsCost concentration, specialty Rx, morbidity and trend
03Funding testParticipation, market access, classes and plan economics
04Decision packageRecommendation, financial thresholds and priorities
START HERE

Tell us about the employer

Interactive sample
HOW THE DECISION IS BUILT

Every signal flows into one benefits strategy.

Choice Benefits organizes the inputs. Employers see the decision—not the complexity behind it.

01
Employee censusAge, ZIP, class and coverage tier
02
Current group planRates, contributions and renewal
03
Market intelligenceIndividual carriers, plans and geography
04
Workforce riskMedical, Rx and projected cost signals
05
ParticipationCarrier eligibility and enrollment
06
Employer prioritiesBudget, networks and employee impact
CHOICEStrategy EngineCompare • Score • Configure
A
All GroupTraditional or alternative funding
B
CHOICE OnlyDefined-contribution individual coverage
C
Best CombinationCompliant class-based strategy
Employer contributionEmployee affordabilityCarrier accessCompliance reviewFive-year strategy
CHOICE BENEFITS RECOMMENDATION

Best Combination

Keep the established salaried class in group coverage and offer a CHOICE Arrangement to the hourly class.

87Decision confidence
WORKFORCE RISK SIGNALElevatedSpecialty Rx and claimant concentration
GROUP PARTICIPATION68% • At riskCarrier minimums must be confirmed
MARKET INTELLIGENCEMixed by geographyIndividual pricing wins in 3 locations
PROJECTED EMPLOYER COST$66,300/mo11.0% below current spend
01
ALL GROUP

Traditional group

64
Estimated employer cost
$76,735
Participation
At risk
Risk impact
Retained by group
02
CHOICE ONLY

Individual coverage

78
Estimated employer cost
$63,325
Participation
Not required
Risk impact
Transferred
RECOMMENDED
03
BEST COMBINATION

Class-based strategy

87
Estimated employer cost
$66,300
Structure
2 permitted classes
Risk impact
Balanced
RECOMMENDED DESIGN

One employer. Two compliant benefit paths.

The model uses existing, permitted employee classes—not individual health conditions—to create the strongest combination.

Salaried classGroup coveragePreserve network and contribution stability
Hourly classCHOICE ArrangementUse stronger individual pricing by geography
PREDICTIVE RISK INTELLIGENCE

What influenced the recommendation

1.18Risk index

Risk is evaluated at the workforce or permitted-class level. It is never used to isolate employees based on medical conditions.

COMPLETE THE BENEFITS PACKAGE

Add benefits after medical

Sample only. Final recommendations require carrier participation rules, affordability testing, permitted-class review and licensed professional approval. Predictive risk informs the strategy; it does not determine individual eligibility or benefits.