Savings

Real savings that begin from day 1 and compound every year after.

Beacon removes hidden commissions, models thousands of plan scenarios, and delivers a data-driven strategy that reduces costs while maintaining or improving employee benefits.

Where the Savings Come From

Removing commissions from your plans

Lower premiums starting at your first renewal.

  • Broker commissions removed at renewal

  • Override fees removed when possible

  • Lower premiums without changing plan design

  • Savings compound annually

AI plan and pricing optimization

Thousands of pricing scenarios modeled instantly.

  • Alternative plan designs

  • Level funded vs fully insured modeling

  • Deductible and copay optimization

  • Contribution strategy modeling

  • Carrier market rate benchmarks

Renewal Intelligence

Predictability before the carrier quote.

  • Predicted rate range

  • Drivers behind the increase

  • Recommended actions

  • Strategy blueprint before negotiation

Free years of Beacon for mid-year switches

Mid-year switches unlock Beacon subscription credits.

  • Carriers cannot remove commissions mid-year

  • Beacon applies renewal commissions as credits

  • Credits cover one or more years of Beacon

  • No disruption to current plans

 100 to 250 Employees

 $100K–$300K

 annual savings

  • Commission removal

  • Funding structure optimization

  • AI scenario modeling

  • Renewal preparation

Savings Tiers for 100 to 1,000 Employees

 250 to 50 Employees

 $300K–$700K

 annual savings

  • Scaled commission removal

    Predictive modeling

    Contribution strategy

    Carrier leverage

 500 to 1000 Employees

 $700K–$1.5M

 annual savings

  • Compounded renewal savings

    Multi-carrier scenario modeling

    Census trend adjustments

    Plan architecture optimization

Benefits Savings Calculator

Directional estimate of total annual benefits savings (employer + employees) using fixed spend assumptions and Beacon’s pricing tiers.

Beacon is designed for companies with 200+ employees.
5% embedded commissions
Includes 3 years of Beacon fees.
Assumptions
Used to calculate totals below
Spend
$15,000
Per employee, per year
Optimization
3%
Plan optimization + hidden broker incentives
Beacon fee
200-499
$15 / employee / month
200-499 ($15), 500-999 ($14), 1,000+ ($13)
Total annual benefits spend $0
Broker commissions savings $0
Plan optimization & hidden incentives $0
Beacon fee (annual) $0
Estimated net annual savings $0
3 Year Savings 3 years of Beacon fees included
Based on a 3-year view, with your selected Early Switch Incentive applied.
3-year gross savings (commissions + optimization) $0
Beacon fees over 3 years $0
Early Switch Incentive value $0
Estimated net 3-year savings $0
Annualized savings (with Early Switch Incentive) $0
Note: Beacon is designed for companies with 200+ employees. Values are shown for reference if below 200.
Assumptions: $15,000 per employee per year in benefits spend. Broker commission savings are adjustable (default 5%). Additional 3% reflects plan optimization and hidden broker incentives. Beacon pricing: 200–499 ($15 PEPM), 500–999 ($14 PEPM), 1,000+ ($13 PEPM). Early Switch Incentive (Jan 1 plan start): switch by Apr 1 includes 3 years of Beacon fees, Jul 1 includes 2 years, Oct 1 includes 1 year. This is a directional estimate, not a quote.

See your personalized savings estimate.

Upload your plan documents and receive a savings report within 48 hours.

Start Savings Analysis
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