Workflow · Employee Health & Benefits
Funding Analysis
Runs the funding feasibility study a benefits consultant prepares for a CFO: models the current fully insured program against level-funded and self-funded alternatives, showing each option's expected annual cost, best case, and worst-case exposure, and tests every option against the client's stated risk tolerance before recommending one.
What goes in
Current rates and enrollment, 12 months of paid claims experience, and the quotes on the table (fully insured renewal, level-funded, self-funded ASO + stop-loss), plus the client's budget, risk tolerance, and trend assumption.
What you get
A client-ready Funding Analysis Report (Word) with the validated baseline, the scenario table per option, the risk-tolerance test, a recommendation with visible assumptions, and an exportable scenario workbook (Excel).
How it works
- 1Set the scope: confirm the current program and the constraints that matter — budget, worst-case tolerance, decision date — then upload the claims experience and quotes.
- 2Validate the baseline: the current program's annual cost is reconstructed from your rates and enrollment before any alternative is modeled.
- 3Model the options: fully insured renewal, level-funded, and self-funded with stop-loss are each modeled with expected cost, best case, and worst-case exposure.
- 4Test against tolerance: every option's worst case is checked against the client's stated risk tolerance — the cheapest option never wins by default.
- 5Deliver: a Funding Analysis Report as a Word/PDF document with the scenario comparison, risk assessment, and recommendation, plus an exportable scenario workbook.
Related pages
What this workflow delivers
A client-ready Funding Analysis Report (Word) with the validated baseline, the scenario table per option, the risk-tolerance test, a recommendation with visible assumptions, and an exportable scenario workbook (Excel).
4+ hours
- Guided step by step, no blank page
- Owners and follow-up on every run
- Human review before sign-off