Fully-Insured Plans

CFR will provide periodic program reviews and an annual actuarial review of your employee benefits program, based on availability of information from the carriers.

Through our exclusive arrangement with Milliman, one of the world's largest independent actuarial firms, CFR will be able to provide you with the following:

Modified Comprehensive Assessment of Health Plans (CAHP) Report: This comprehensive benchmarking report covers plan design, premium rating and employee contribution strategy based on the Milliman Mid-Market Survey.

Plan Design Analysis: Our actuarial partners readily value benefit design changes to ensure healthcare programs meet your financial criteria.

Mid-Year Renewal Projection: This report will help you set preliminary budgets prior to receiving renewals from your carriers. We will provide a pricing calculation to determine the projected premium and compare this to current premium rates. A trend analysis allows outliers or seasonality problems to be identified and addressed.

Renewal Evaluation: The renewal evaluation utilizes multiple cost models to calculate a manual rate and projected premium as a comparison to renewals. Our actuarial partners will also review the proposed renewal for proper calculation of reserves, benefit changes, large claims adjustments, administration fees, pooling charges and profit margin.