Start with the same assumptions
All amounts are US dollars. Enter 0 only when a fee is confirmed as zero; a blank required field means unknown. Entries are not sent to us or saved automatically. Download before leaving or refreshing this page.
Use written quotes, not a public starting price alone. Read the comparison guide · Check public pricing disclosures
How the calculation works
Billable seats = the greater of your minimum seats or the selected population plus additional seats.
Monthly administration = the greater of your minimum total monthly fee or the base fee plus the per-person fee multiplied by billable seats.
Period administration total = monthly administration × months, plus setup and other fees for that period. Enter any separately quoted recurring compliance charge in the monthly base; avoid counting a charge twice.
This model assumes a stable population and fee schedule. It does not model tiered prices, proration, tax, discounts, internal HR work, insurance premiums or actual reimbursements. If the contract applies its minimum differently, obtain a comparable total from the provider before using the result. Calculations do not rank service quality.
The optional allowance ceiling is allowance × expected participants × months. It is shown separately and is not a reimbursement forecast or legal affordability determination. Build the broader employer budget.