Plan, strategy & renewal
Control your benefits cost over the long term.
CBA builds a multi-year strategy to control your benefits spend and guides your annual renewal with real options. We benchmark your plan, market your renewal to carriers, and give you an executive summary of the specific moves that improve your situation.
The problem we solve
The renewal is a black box.
For most employers it is the whole experience: silence between renewals, then a number to accept or reject with no visibility into how it was reached. You are told you are getting a double-digit increase, and you are not told why.
We open it. You see what is driving your cost and a renewal that is actually tested against the market.
What CBA does instead
We treat your benefits spend as a cost you can manage over several years.
Benchmark your plan
We measure your plan design and contributions against employers like you, so you can see where you actually stand instead of guessing.
Explain the drivers
We show what drove your last increase in plain English, so the renewal stops being a number that appears from nowhere.
Deliver the moves
You get an executive summary naming the two or three specific moves that make you better. If we cannot improve your situation, we tell you.
A common misconception
You do not have to wait for renewal to switch.
Many employers believe they can only change brokers at renewal. You can switch any time of year, and doing it mid-plan-year is usually better. It gives us time to gather your data, connect with your carriers, and put your processes in place well before open enrollment, your biggest benefits event of the year.
If we cannot improve your situation, we tell you.
We would rather give you a straight answer than win business we are not the right partner for. That is what it means to be on the employer's side.
Common questions
Renewal questions
- Can I switch benefits brokers in the middle of the year?
- Yes. You can change brokers any time, and mid-year is usually better. It gives us time to gather your data, connect with your carriers, and put your processes in place well before open enrollment, your biggest benefits event of the year.
- How do I know if I am overpaying on my renewal?
- We benchmark your plan and contributions against employers like you and explain what is driving your cost. A double-digit increase with no clear explanation is the signal that your renewal was never really tested against the market.
- What should a broker actually do at renewal besides hand me a quote?
- Pull the renewal early, market it to carriers, explain the cost drivers in plain English, and present real options with tradeoffs. You should leave with a short list of specific moves, not a single number to accept or reject.
See where your renewal really stands.
Request a review and we will benchmark your plan and show you the specific moves that can make you better. A review costs nothing.