FROM THE LAB

Put the whole decision on the page.

Synthetic cases across cost, plan design, vendor strategy, and member experience—with assumptions and tradeoffs shown.

ISSUE 01 COMPANION

One synthetic renewal. Four drivers hiding inside one number.

Synthetic example—not a benchmark, forecast, client result, or real group.

LAB NOTE 01

A total tells you what changed. Not why.

The common belief: the renewal percentage tells you whether the plan performed well.

It does not. The total blends market pressure, utilization, volatility, and contract terms. Each calls for a different move.

Five questions before the recommendation

1. What changed before this group's experience?

2. Which driver is recurring?

3. Which driver can we actually influence?

4. What did the carrier assume?

5. What would make us change the recommendation?

What this does not tell you

Decomposition does not predict future claims. It tells you which assumptions and terms deserve another look.

Bring me a decision.

If a benefits decision does not add up, let's work the problem.