Up to 20% of your fully insured premium never reaches a claim. Here is where it goes.

On a $3 million fully insured premium, $420,000 to $600,000 a year goes to carrier administration, profit, taxes and risk loads, not to a single employee claim. This structural breakdown shows you exactly where that money goes, how it compounds over time and what changes when a different funding arrangement is in place.

• A line-item table showing every structural cost in a fully insured premium, and what happens to each line under level-funded and self-funded arrangements.
• An explanation of why your renewal cost basis does not reset after a difficult claims year, and how that compounds over time without visibility into your own data.
• A clear look at what you are actually trading when you stay fully insured: not just cost certainty, but full absence of claims visibility, and why those are two separate decisions.