What does risk cost today?
Separate paid costs, retained exposure and estimates.
BENEFITS + ICHRA + WORKERS’ COMPOne workforce.
One workforce.
One total cost
of risk.
Connect the cost of coverage with the cost of claims, administration and workforce disruption. Give every benefits and comp decision a clearer financial picture.
What changes with the strategy?
Put group, ICHRA and comp scenarios on the same annual basis.
Where should you focus next?
Connect cost drivers to funding, contribution and risk-control decisions.
Change the strategy. Measure the whole effect.
Medical & pharmacy. Workers’ compensation. Voluntary benefits. Population health. Absence & productivity. Compliance & administration.
These six levers guide the questions and actions. The four TCOR components below organize the dollars. A single expense belongs in one cost line—even when it relates to several levers.
Explore the six-lever framework →YOUR NUMBERS. A CLEARER DECISION.
Build your annual risk-cost view.
Compare the same workforce, employer perspective and 12-month period. Enter each cost once. Blank means unknown; enter $0 only when confirmed.
Enter your estimates · no data is uploaded or saved.
Annual employer cost · USDCurrentProposed
Keep the comparison accurate
Choose a consistent cash-paid or incurred/expected basis for both scenarios. Do not add insured claims already funded by premiums. For ICHRA, enter employer contributions or expected reimbursements once—not also employee policy premiums. Do not treat employee-paid premiums or employee out-of-pocket spending as employer costs.
Enter broker fees, TPA charges and taxes separately only when excluded from other lines. Measure indirect losses from documented assumptions. Consulting and prevention costs remain costs; enter a proposed reduction only where supported, rather than subtracting a claimed service value from expenses. Review carrier refunds, recoveries and credits consistently before entering net amounts.
FROM COST DRIVERS TO NEXT STEPS
Put your next decision in context.
01 / BENEFITS FUNDING
Group, level-funded or ICHRA?
Compare employer contributions, fees and retained exposure—not just the premium.
Start a benefits review ↗02 / WORKERS’ COMPWhat is driving comp cost?
Bring premiums, loss runs, payroll and experience-mod information for review of claims, classifications and prevention opportunities.
Request a comp review ↗03 / EXECUTIVE INSIGHTSWhat needs a closer look?
Connect population and claim signals to a scoped analysis and a practical action plan.
Discuss Executive Insights ↗START WITH WHAT YOU HAVEBring the renewal.
Start your TCOR review →Bring the renewal.
We’ll help connect the costs.
Use secure intake for authorized files. Keep employee health information out of this calculator.