Send us what you have. We'll show you what you're really paying.
Your renewal, census, plan summaries — in any format, even phone photos. Add your current provider's contract or invoices and we'll review the fees too. It's free, and it's honest — including when the answer is to stay where you are.
No obligation. A licensed benefits agency since 2009.
How it works
- 1
Send us what you have.
Renewal letters, spreadsheets, plan documents — whatever's on hand. Don't worry about the format.
- 2
We do the work.
We quote your group independently and, if you've sent your provider's invoices, break down every fee.
- 3
We walk you through it.
A short call to go over what we found. No pressure.
What to send
Your benefits
- Your renewal letter or rate sheet
- An employee list — names or initials, dates of birth, zip codes, coverage level, job titles and annual salary. Salary and job title are needed to quote life and disability insurance
- Plan summaries or benefit guides
- Anything you've sent employees about their benefits
- Recent bills from your carriers
Don't have all of it? Send what you have. A renewal letter alone is enough to start.
Your current provider — optional
From your PEO, payroll company or HR provider:
- Your service agreement or contract
- Your last three invoices
- Any fee schedule or price sheet
- A recent payroll summary, or your total annual payroll — some providers charge a percentage of payroll, so we need it to work out what you really pay
What you'll get back
- An independent benefits quote — medical, dental, vision, life and disability — with an honest recommendation.
- A plain-English breakdown of your provider's fees, if you sent their contract or invoices: administration fees — whether charged per employee or as a percentage of payroll — plus anything bundled in, shown as a cost per employee per month you can compare.
- A short call to walk you through both.
Your documents are safe
- Uploaded and stored securely.
- Seen only by the people preparing your quote, and shared only with the insurance carriers we request quotes from.
- Never sold, never used for anything else.
- Please remove Social Security numbers before uploading — we don't need them to quote.
FAQ
Frequently asked questions
- Is it really free?
- Yes. Every company we talk to gets a free quote. There's no obligation, and if your current plan is the better deal, we'll tell you.
- What if I don't have an employee list?
- Send what you have. A renewal letter is enough to start, and we'll tell you exactly what else we need.
- What if my PEO won't give me my employee information?
- It happens. After you submit, we'll send you a short, ready-to-send request you can forward to your PEO.
- Who sees my information?
- Only the people preparing your quote, and the insurance carriers we ask to quote. We never sell it.
- Do I have to be leaving my PEO?
- No. Plenty of companies just want a second opinion on a renewal.
- How long does it take?
- It depends on what you send and when your plan renews. We'll give you a date on our first call.
- What else do you do?
- We're an outsourced HR department for growing companies — payroll, benefits, hiring, terminations and compliance, with no co-employment. Learn about CompleteHR →
Insurance services provided by Poplar Insurance Agency, Inc., d/b/a People Processes.