Our great secret and significant advantage is that we do not have a minimum monthly cost for each agent client. Software companies may offer a very low PEPM (Per Employee Per Month) rate, but it comes with a monthly minimum that effectively eliminates the smaller employer.

So our fee of $5 PEPM is charged against the exact number of people on the system. If the employer has 20 employees, the cost is $100 per month. If the employer has 40 employees, the cost is $200 per month.

There is a one time account specific set up fee that ranges from $650 to $1000 depending upon the features of the case. The $5 PEPM fee includes full Cobra admin and my services in addition to the online enrollment and digital admin system.

Humana offers a subsidy for the first year of service which applies directly against our $5 PEPM. This lowers the net cost significantly.

In addition, by using the Humana products, the agent gets our automated enrollment services for just 30% of the voluntary worksite commissions, which is about one half of what most enrollment companies charge. 70% to the agent, 30% to DMCO.