Financial Leakage Estimator for Group Benefits

Financial Leakage: per year
Profit / Surplus Margin Impact:

Estimated Additional

Financial Leakage:

PER
YEAR

Sales Needed to Fund
Additional Financial Leakage:

Profit / Surplus Margin Impact:

How to Read the Charts. Relatively flat charts indicate factors that are not particularly important to the outcome. Conversely, factors that have steep slopes have a larger impact.
What is the data source of the Healthcare Program?
Choose ERISA 5500 Filing or Actual Healthcare Program / Loss Information.
Select the effective date of the Healthcare Program:


What is the Healthcare Program Funding Type?
Select the funding type for the target healthcare program. This determines the direct/indirect loss cost analytics used to estimate the financial leakage in the program. This data is provided and certified by *TCORCalc™.


What is the Total Premium for the Healthcare Program?
Input the total premium amount for the target fully-insured healthcare program.
PREMIUM
What is the Total Stop Loss Premium for the Healthcare Program?
This amount should include the ASO Fee, Reinsurance, Stop Loss (Specific & Aggregate) Premiums and Broker Fee.
STOP LOSS
PREMIUM
What is the Total Adjusted Claims Amount?
Input the net adjusted claims amount for the target healthcare program.
TOTAL
ADJUSTED
CLAIMS

What are the Annual Sales for the target organization?
Input the target organization’s total annual sales amount for the analysis year in conjunction with the healthcare program effective date.
ANNUAL
SALES
What is the profit margin of the target organization?
Input the percentage of the target organization’s profit margin for the analysis year in conjunction with healthcare program effective date.
PROFIT
MARGIN
Next Steps:
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*Financial Leakage is your estimated amount of your direct and indirect cost of claims. To quantify these expenses we have utilized multivariate study data provided by TCORCalc®. TCORCalc® is North America's leading authority on risk management program analytics and insurance industry benchmarks. For more information, visit https://tcorcalc.com.


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