Benefits Premium Leakage Calculator

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LIVE

Results

Potential Overpayment Recovery

0.8% of $20.68M/yr spend

Potential Labor Cost Savings

685 hours/year recoverable

Savings Breakdown

Rate Differential

Missed Terminations

Terminated members

Avg. monthly premium

Months undetected

Complexity factor

Total

Labor Cost Savings

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Want to understand why these errors happen?

Read how billing variances accumulate — breakdown in NAPEO PEO Insider Magazine

Read the PEO Insider article

HOW WE CALCULATE YOUR EXPOSURE

The calculation behind your result.

Employee Count × Average Monthly Premium × 12 months × 1.5%

= Estimated Annual Write-Off Exposure

Example

Benefit-eligible employees

1,000

Avg. monthly premium

$700

Months per year

Industry error rate

1.5%

Labor Cost Savings

$126,000

DETECTION LAG BY RECONCILIATION FREQUENCY

Monthly

~0.4 months

Quarterly

~1.0 month

Never / Ad-hoc

~2.0 months

Longer lag means more overpayment accrues before it is caught. Outsourcers reconciling for multiple clients carry a 1.5× delay factor.

DATA SOURCES BEHIND YOUR ESTIMATE

HR & benefits wages

BLS OEWS · 2023

Premiums & enrollment

AHRQ MEPS-IC · 2024

Turnover rates

BLS JOLTS · 2024

Labour multiplier

BLS ECEC · 2024

Overpayment baseline

Tabulera · 2024–26

The industry average for benefit invoice errors is 1–2% of total invoice value. We use 1.5% as our conservative baseline. Your actual exposure may vary depending on carrier mix, HRIS accuracy, payroll frequency, and reconciliation cadence.

Full Cost of Benefit Invoice Errors

Benefit invoice errors cost more than money.

Real people, immediate results and security — the reasons benefits teams stay with Tabulera long after go-live.

Financial write-offs

For a 1,000-employee company at 1.5%, that's ~$126,000 per year. For a 5,000-employee PEO client base, that compounds to ~$630,000 per year.

Time lost

Manual reconciliation takes HR teams 2–5 days per month. At $50/hour fully loaded = $12,000–$30,000 per year — for a process Tabulera reduces to 30 minutes.

Compliance exposure

Employees enrolled incorrectly may not have the coverage they believe — creating liability exposure, audit risk, and potential legal consequences.

Benefits Leakage Calculator