Benefits cost analysis, funding, and renewal planning.

Virtus analyzes your benefits costs, evaluates funding and plan design options, and prepares a written recommendation for your program. We explain the assumptions, financial implications, and tradeoffs.

Talk with our benefits team

Illustrative planning view Sample review areas and next steps

BENEFITS STRATEGY & ANALYTICS

From analysis to a recommendation.

Claims & costsEnrollmentBusiness priorities

Evaluate the options

Cost · Risk · Employee impact

Build the projection
Review cost drivers and assumptions.
Compare the approaches
Consider funding, plan design, and contributions.
Explain the tradeoffs
Connect the analysis to your budget and priorities.

YOUR NEXT STEP

A written recommendation

Financial implications, key tradeoffs, and implementation steps.

Review the assumptions. Understand the choices. Plan ahead of renewal.

What we evaluate

Four areas that shape your strategy.

Cost and claims analysis.

Understand what is driving medical and pharmacy spending, how large claims may affect future costs, and what claims may still be outstanding.

Budgeting and projections.

Build a view of expected costs from the information available and model how potential changes could affect your budget.

Funding strategy.

Evaluate fully insured, level-funded, self-funded, and captive options in light of your financial position, claims volatility, and tolerance for risk.

Plan design and contributions.

Balance affordability, coverage, and the employee experience, with relevant employer benchmarks to put the options in context.

How we approach the decisions

Your renewal deserves an independent analysis.

A renewal proposal is a starting point for a conversation. We develop our own cost projections using the available claims information, enrollment, plan design, and funding arrangement. That gives you a clearer basis for budgeting, evaluating changes, and negotiating with carriers. We explain the assumptions behind the projection and where uncertainty remains, so you understand what the numbers mean for your business.

See how we use AI and technology

The right funding approach starts with your business.

Changing how you fund benefits can change both your costs and your financial exposure. We evaluate the tradeoffs, explain our recommendation, and show you the analysis behind it. Sometimes the right decision is to stay with your current arrangement. When detailed claims information is limited, census information can support an initial assessment of whether alternative funding is worth exploring further.

A plan that looks beyond the next renewal.

Renewal is one milestone in a longer-term strategy. We connect the decisions in front of you to your priorities for affordability, your workforce, and the business. Together, we identify what needs attention now, what can be phased in, and what should be revisited as your needs change. That creates a practical path forward across renewals, with room to adjust as new information becomes available.