R2I client story · Logistics
A higher renewal.
A lower final cost.
Total plan cost versus the prior year.
Better benefits for 75 covered lives. A lower deductible. The same employee cost.
Put your renewal to the test
Compared with the prior year
$4,500 → $3,000
Richer benefits, same cost
The starting point
A 9% increase was on the table.
R2I found another path.
A logistics employer with 75 covered lives received a proposed 9% renewal increase from its fully insured carrier. R2I evaluated a level-funded alternative on a national network.
The selected plan came in 5% below the prior year’s total plan cost using comparable enrollment. It matched existing coverage and improved the benefit design, while employee cost stayed the same.
The cost difference
From an increase
to a reduction.
One consistent baseline makes the result clear: the selected plan cost less than both the proposed renewal and the prior-year plan.
- Prior yearComparison baselineBaseline
- Proposed renewalFully insured+9%
- Selected planLevel-funded−5%
Cost index based on comparable enrollment. The prior year is 100; the proposed renewal is 109; the selected plan is 95. Bars start at zero.
Plan deductible
The value for employees
Lower cost.
Stronger benefits.
The result went beyond the renewal rate. The deductible fell from $4,500 to $3,000, improving the plan’s benefit value without increasing employee cost.
- Coverage matchedExisting benefits maintained, with a richer benefit design.
- A national networkPaired with the selected level-funded arrangement.
- Same employee costThe improvement did not require employees to pay more.
At a glance
The full comparison.
| Plan detail | Prior year | Selected plan |
|---|---|---|
| Total plan cost | Comparison baseline | 5% below prior year |
| Funding | Fully insured | Level-funded |
| Deductible | $4,500 | $3,000 |
| Employee cost | Existing employee cost | Unchanged |
| Benefits | Existing benefit design | Matched coverage with a richer benefit design |
One client’s renewal, based on comparable enrollment. Available terms and results vary by employer, underwriting, and selected plan.
Your next move
What’s possible
with your renewal?
Start with your current plan and the questions you need answered.