ADP TotalSource
Exavalu Profile & Current State
Baseline AssessmentTotal Annual All-In Cost · 2-Year Snapshot
Admin + State Unemployment + WC + Health Insurance · CombinedYear 1 covers 6/1/26 - 5/31/27. Year 2 covers 6/1/27 - 5/31/28 and applies a renewal trend to medical only (+12% for Anthem direct, +10% capped for PEO contracts). Admin, SUTA, and WC stay flat year-over-year.
| Year 1 | Year 2 (Est.) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Services | Current | Current with Pro-rata Medical |
ADP 6/1/26 – 5/31/27 |
 G&A6/1/26 – 5/31/27 |
Current Increase Assumptions % 6/1/27 – 5/31/28 |
Current Increase Assumptions $ 6/1/27 – 5/31/28 |
ADP Increase Assumptions % 6/1/27 – 5/31/28 |
ADP Increase Assumptions $ 6/1/27 – 5/31/28 |
G&A Increase Assumptions % 6/1/27 – 5/31/28 |
G&A Increase Assumptions $ 6/1/27 – 5/31/28 |
|
How the math works: Each Year-2 $ cell is the Year-1 amount after the increase you enter — for example, Admin's $20,000 with a 10% renewal = $22,000. Edit any green % cell to recalculate live. Totals row sums every column. Savings / Costs row shows each PEO's Year-1 total versus Current — positive means you save, negative means it costs more. Default renewals: Current +12% medical, ADP & G&A +10% medical, everything else flat.
(+ $187K vs ADP)
Annual Cost Comparison · Exavalu vs. G&A Partners
Line-item savings analysis
vs
| Line Item | Exavalu (Current) | G&A Partners | Difference |
|---|---|---|---|
| Medical Insurance | |||
| Medical Premium Current Anthem (6 plan tiers) → G&A Aetna Master | $746,193 | $428,552 | −$317,641 |
| Administrative Fees | |||
| PEO Admin Fee Current = internal HR + Gusto payroll · G&A PEPY $1,380 × 53 | $20,000 (internal HR + Gusto) | $73,140 | +$53,140 |
| Payroll Taxes & Insurance | |||
| SUTA — State Unemployment 15-state pass-through | $20,595 | $22,155 | +$1,560 |
| Workers' Comp Class Codes 8810, 8871, 0953, 8859 | $4,493 (Hanover) | $4,838 | +$345 |
| Ancillary & Voluntary | |||
| EPLI — $1M Coverage Waivable if existing $1M policy in force | — | $7,488 | +$7,488 |
| 401(k) Plan Administration MEP fiduciary + ERISA filings | External provider | Bundled (Slavic MEP) | Included |
| Dental / Vision / Life / Disability | — | Available via Aetna | — |
| Subtotal Annual Cost | $791,281 | $528,685 | −$262,596 |
| Net Annual Savings with G&A Partners | 33.2% reduction in total HR & benefits spend | −$262,596 | |
Methodology: Annual costs include medical premium (40 enrolled employees across 6 plan tiers), PEO administrative fee (PEPY × 53 employees), 15-state SUTA pass-through, and Workers' Comp. Medical premiums from G&A Partners quote (4/10/26) and ADP TotalSource quote V-736552 (4/14/26). EPLI is waivable for G&A if Exavalu maintains an existing $1M policy; bundled into admin fee for ADP. 401(k) administration — G&A uses Slavic Multi-Employer Plan (fiduciary handled); ADP offers TotalSource Retirement Plan. Dental, vision, life, disability available via Aetna with both carriers — rates depend on enrollment elections. Difference column: green = savings vs. current; rose = added cost vs. current. Net savings (bottom row) is the all-in cost difference.
Annual Cost Comparison · Exavalu vs. ADP TotalSource
Line-item savings analysis
vs
| Line Item | Exavalu (Current) | ADP TotalSource | Difference |
|---|---|---|---|
| Medical Insurance | |||
| Medical Premium Current Anthem → ADP Aetna OAMC 2000 (Option 3) | $746,193 | $521,612 | −$224,581 |
| Administrative Fees | |||
| PEO Admin Fee Current = internal HR + Gusto payroll · ADP PEPY $1,469 × 53 | $20,000 (internal HR + Gusto) | $77,857 | +$57,857 |
| Payroll Taxes & Insurance | |||
| SUTA — State Unemployment 15-state pass-through | $20,595 | $19,926 | −$669 |
| Workers' Comp Class Codes 8810, 8871, 0953, 8859 | $4,493 (Hanover) | $5,747 | +$1,254 |
| Ancillary & Voluntary | |||
| EPLI — $1M Coverage | — | Bundled in admin | Included |
| 401(k) Plan Administration | External provider | ADP TotalSource Retirement Plan | — |
| Dental / Vision / Life / Disability | — | Available via Aetna/Kaiser | — |
| Subtotal Annual Cost | $791,281 | $625,142 | −$166,139 |
| Net Annual Savings with ADP TotalSource | 21.0% reduction in total HR & benefits spend | −$166,139 | |
Methodology: Annual costs include medical premium (40 enrolled employees across 6 plan tiers), PEO administrative fee (PEPY × 53 employees), 15-state SUTA pass-through, and Workers' Comp. Medical premiums from G&A Partners quote (4/10/26) and ADP TotalSource quote V-736552 (4/14/26). EPLI is waivable for G&A if Exavalu maintains an existing $1M policy; bundled into admin fee for ADP. 401(k) administration — G&A uses Slavic Multi-Employer Plan (fiduciary handled); ADP offers TotalSource Retirement Plan. Dental, vision, life, disability available via Aetna with both carriers — rates depend on enrollment elections. Difference column: green = savings vs. current; rose = added cost vs. current. Net savings (bottom row) is the all-in cost difference.
Employee Mapping & Savings Analysis
Real Census Data · 40 Enrolled · 15 StatesAdmin Fees
Annual HR admin spend
Annual PEO admin fee
Annual PEO admin fee
| Carrier | PEPM | PEPY | Annual Total (53 employees) |
Annual Diff vs. Exavalu |
|---|---|---|---|---|
| Exavalu (Current) Internal HR · Gusto payroll |
$31.45 | $377.36 | $20,000 | — baseline |
| G&A Partners Source: G&A formal quote 4/10/26 |
$115.00 | $1,380.00 | $73,140 | +$53,140 |
| ADP TotalSource Source: ADP quote V-736552 4/14/26 |
$122.42 | $1,469.00 | $77,857 | +$57,857 |
What is PEPM/PEPY? PEPM = Per Employee Per Month. PEPY = Per Employee Per Year. PEPY × headcount = annual cost.
Important context: Exavalu's current $20,000/yr is an estimate of internal HR admin spend (Gusto payroll subscription + handful of HR hours). The PEO fee — $53K-$58K higher than current — bundles services currently being done internally or paid for separately: payroll processing, benefits administration, HRIS platform, compliance/audit, employee handbook, dedicated HR specialists, training/LMS, 401(k) MEP fiduciary, and EPLI coverage.
One-time costs (Year 1 only): G&A charges a $2,650 implementation fee. ADP waives implementation via Triton Partnership and offers a one-time −$6,488 promo credit.
Both PEOs charge a flat per-employee fee, so admin cost scales linearly with headcount. G&A: $1,380 PEPY ($115 PEPM) · ADP: $1,469 PEPY ($122.42 PEPM).
(Scenario 1)
(Today)
(Scenario 2)
| Headcount Scenario | PEPY | PEPM | G&A Annual Cost |
ADP Annual Cost |
|---|---|---|---|---|
| 50 Employees Scenario 1 | $1,380 (G&A) $1,469 (ADP) |
$115.00 (G&A) $122.42 (ADP) |
$69,000.00 | $73,450.00 |
| 53 Employees CURRENT | $1,380 (G&A) $1,469 (ADP) |
$115.00 (G&A) $122.42 (ADP) |
$73,140.00 | $77,857.00 |
| 70 Employees Scenario 2 | $1,380 (G&A) $1,469 (ADP) |
$115.00 (G&A) $122.42 (ADP) |
$96,600.00 | $102,830.00 |
* Scenarios assume linear PEPY scaling: G&A's $1,380 PEPY and ADP's $1,469 PEPY remain flat regardless of headcount (no volume discount tiers in either contract). PEPM = PEPY ÷ 12. Calculations exclude one-time costs (G&A implementation fee, ADP promo credit).
Growth scenario: If Exavalu scales from 53 → 70 employees over the contract term, each PEO's annual admin fee scales proportionally with headcount — both grow approximately 32% (53 → 70 EE growth).
State Unemployment Tax (SUTA)
(Client Rates · 15 States)
(Quote V-736552 · 5/25/26)
(Pass-Through · 9 PEO Master States)
(vs 31.7% national)
Tax ID Model — Critical Distinction: Under a PEO arrangement, SUTA is paid in one of two ways depending on the state's regulations. "PEO Master" states (e.g., AZ, GA, MD, NJ, TX) — the PEO uses its own FEIN and the PEO's experience rate applies (rate may differ from client's current rate). "Client FEIN" states (e.g., CT, CA, FL, IL, NC, NE, OH, PA, SD, VT) — the client retains its FEIN and existing experience rate; PEO simply administers payment. This explains why ADP rates match the Client rate in some states (Client FEIN) but differ in others (PEO Master).
All 53 employees earn more than each state's 2026 SUTA wage base cutoff, so taxable wage = wage base × employee count. Annual SUTA = taxable wages × applicable rate. Per-pay-period figures assume bi-weekly (26 periods/yr).
| State | WSEs | Per-EE Wage | 2026 SUTA Cutoff | Tax ID Model |
Client Rate | Client Annual | / Pay Period |
ADP Rate | ADP Annual | / Pay Period |
G&A Rate | G&A Annual | / Pay Period |
Best (vs. Current) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Arizona (AZ) | 10 | $113,302 | $8,000 | PEO Master ★ | 2.00% | $1,600.00 | $61.54 | 1.78% | $1,424.00 | $54.77 | 2.50% | $2,000.00 | $76.92 | ADP −$176 |
| California (CA) | 13 | $140,618 | $7,000 | PEO Master | 3.40% | $3,094.00 | $119.00 | 3.40% | $3,094.00 | $119.00 | 4.45% | $4,049.50 | $155.75 | ADP $0 |
| Connecticut (CT) | 1 | $75,000 | $26,100 | Client FEIN ★ | 2.70% | $704.70 | $27.10 | 2.70% | $704.70 | $27.10 | 0.00%* | $0.00 | $0.00 | G&A −$705 |
| Florida (FL) | 5 | $90,000 | $7,000 | PEO Master | 2.70% | $945.00 | $36.35 | 2.70% | $945.00 | $36.35 | 2.85% | $997.50 | $38.37 | Tied |
| Georgia (GA) | 2 | $75,000 | $9,500 | PEO Master | 2.70% | $513.00 | $19.73 | 3.23% | $613.70 | $23.60 | 3.25% | $617.50 | $23.75 | Both higher |
| Illinois (IL) | 4 | $75,000 | $13,916 | PEO Master | 3.65% | $2,031.74 | $78.14 | 3.65% | $2,031.74 | $78.14 | 3.75% | $2,087.40 | $80.28 | Tied (ADP) |
| Maryland (MD) | 1 | $75,000 | $8,500 | PEO Master | 2.70% | $229.50 | $8.83 | 6.30% | $535.50 | $20.60 | 3.95% | $335.75 | $12.91 | Both higher |
| North Carolina (NC) | 2 | $75,000 | $32,600 | PEO Master | 1.00% | $652.00 | $25.08 | 1.00% | $652.00 | $25.08 | 2.30% | $1,499.60 | $57.68 | Tied (ADP) |
| Nebraska (NE) | 1 | $75,000 | $9,000 | Client FEIN | 2.60% | $234.00 | $9.00 | 2.60% | $234.00 | $9.00 | 0.00%* | $0.00 | $0.00 | G&A −$234 |
| New Jersey (NJ) | 6 | $181,664 | $44,800 | PEO Master | 2.98% | $8,010.24 | $308.09 | 2.53% | $6,800.64 | $261.56 | 3.60% | $9,676.80 | $372.18 | ADP −$1,210 |
| Ohio (OH) | 1 | $70,000 | $9,000 | Client FEIN | 2.70% | $243.00 | $9.35 | 2.70% | $243.00 | $9.35 | 0.00%* | $0.00 | $0.00 | G&A −$243 |
| Pennsylvania (PA) | 3 | $75,000 | $10,000 | Client FEIN | 3.82% | $1,146.00 | $44.08 | 3.82% | $1,146.00 | $44.08 | 0.00%* | $0.00 | $0.00 | G&A −$1,146 |
| South Dakota (SD) | 1 | $75,000 | $15,000 | Client FEIN | 1.75% | $262.50 | $10.10 | 1.75% | $262.50 | $10.10 | 0.00%* | $0.00 | $0.00 | G&A −$263 |
| Texas (TX) | 2 | $232,492 | $9,000 | PEO Master | 2.70% | $486.00 | $18.69 | 4.42% | $795.60 | $30.60 | 4.95% | $891.00 | $34.27 | Both higher |
| Vermont (VT) | 1 | $75,000 | $14,800 | Client FEIN | 3.00% | $444.00 | $17.08 | 3.00% | $444.00 | $17.08 | 0.00%* | $0.00 | $0.00 | G&A −$444 |
| TOTAL — 15 States | 53 WSEs | Avg $117K | $755,064 | 9 PEO Master 6 Client FEIN |
Avg 2.73% | $20,594.66 | $792.10 | Avg 2.64% | $19,925.66 | $766.37 | Mixed* | $22,155.05 Pass-through |
$852.12 | ADP −$669 G&A +$1,560 |
Data verified — 53 employees across 15 states match across all 3 sources. All counts and per-state payrolls reconcile between Client direct-pay worksheet, ADP Quote V-736552, and G&A Quote (4/10/26).
* SUTA cutoffs (wage bases) shown in gold are 2026 statutory amounts per ADP State Tax Guide 2026. Every Exavalu employee earns more than the wage base in all 15 states, so taxable wages = wage base × employee count (cap fully reached). Annual SUTA = taxable wages × applicable SUI rate. Per-pay-period figures assume bi-weekly (26 periods/yr).
Tax ID Model legend: PEO Master = PEO uses its own FEIN; PEO's experience rate applies (rate may differ from client's current rate). Client FEIN = Client retains its FEIN and existing experience rate; PEO administers payment. Confirmed by Vyral PEO Specialist: AZ uses PEO Master Account; CT uses Client FEIN. State / PEO carrier model varies by state regulation and reciprocity.
Sources: Client SUI rates from Vyral PEO worksheet · ADP rates from formal ADP TotalSource quote V-736552 dated 2026-05-25 (Aggregate Service Fee schedule) · G&A rates from G&A Partners formal quote dated 4/10/26 (PEO Pricing tab).
* G&A 0.00% rates in CT, NE, OH, PA, SD, VT (the 6 Client FEIN states) reflect that G&A does not apply a master rate in those states — client retains existing FEIN/rate and pays SUTA directly to the state, while G&A administers payroll.
ADP wins SUTA in 2 PEO Master states (AZ −$176, NJ −$1,210) but loses in 3 (GA +$101, MD +$306, TX +$310). Net ADP vs. Current: $669/yr savings.
G&A wins SUTA in 6 Client FEIN states (CT, NE, OH, PA, SD, VT — full $3,034 savings combined) but loses in PEO Master states where G&A's master rate is higher than Client's experience rate (CA, FL, IL, NC, GA, MD, NJ, TX — $4,594 higher combined). Net G&A vs. Current SUTA pass-through: $1,560 higher.
Total cost reality: ADP charges $19,925.66 SUTA + $102,441 admin = $122,367/yr. G&A charges $22,155.05 SUTA + $73,140 admin = $95,295/yr. G&A is $27,072/yr lower in admin + SUTA combined. G&A's 79.25% UI appeals win rate (vs 31.7% national) systematically protects experience ratings — adding ~$3–8K/yr in expected long-term savings vs. industry baseline.
Workers' Compensation
(G&A +$345 · ADP +$1,254)
W2F-D926380-06 · 5/24/25–5/24/26
(Quote 4/10/26 · pre-loss-run)
(Quote V-736552 · 4/14/26)
G&A +$345 · ADP +$1,254
Per G&A's quote note: "Workers' Comp pricing will be finalized once 3 years of Loss Runs are provided and reviewed along with any questions needing to be answered by G&A Partners Risk Dept." → Quoted G&A rates are initial estimates pending loss-run review.
| State / Class Code | WSEs | Annual Payroll | Hanover Rate | Hanover WC Cost |
G&A WC Rate | G&A WC Cost | G&A EPLI (0.12%) |
ADP WC Rate | ADP WC Cost |
Lowest |
|---|---|---|---|---|---|---|---|---|---|---|
| AZ — 8871 (Clerical Telecommuter) | 10 | $1,133,017 | 0.02% | $226.60 | 0.06% | $679.81 | $1,359.62 | 0.030% | $341.04 | Hanover |
| CA — 8859 (Computer Programming) | 13 | $1,828,028 | 0.02% | $365.61 | 0.03% | $548.41 | $2,193.63 | 0.031% | $559.38 | Hanover |
| CT — 8871 (Clerical Telecommuter) | 1 | $75,000 | 0.04% | $30.00 | 0.11% | $82.50 | $90.00 | 0.05% | $37.50 | Hanover |
| FL — 8871 (Clerical Telecommuter) | 5 | $450,000 | 0.04% | $180.00 | 0.11% | $495.00 | $540.00 | 0.11% | $495.00 | Hanover |
| GA — 8871 (Clerical Telecommuter) | 2 | $150,000 | 0.03% | $51.75 | 0.12% | $180.00 | $180.00 | 0.099% | $74.55 (1 EE) | Hanover |
| IL — 8871 (Clerical Telecommuter) | 4 | $300,000 | 0.02% | $60.00 | 0.11% | $330.00 | $360.00 | 0.12% | $180.00 (2 EEs) | Hanover |
| MD — 8871 (Clerical Telecommuter) | 1 | $75,000 | 0.02% | $15.00 | 0.05% | $37.50 | $90.00 | 0.18% | $135.00 | Hanover |
| NC — 8871 (Clerical Telecommuter) | 2 | $150,000 | 0.03% | $45.00 | 0.08% | $120.00 | $180.00 | 0.15% | $225.00 | Hanover |
| NE — 8871 (Clerical Telecommuter) | 1 | $75,000 | 0.03% | $22.50 | 0.13% | $97.50 | $90.00 | 0.15% | $112.50 | Hanover |
| NJ — 8810 (Clerical Office NOC) | 6 | $1,089,982 | 0.14% | $2,091.00 | 0.14% | $1,525.97 | $1,307.98 | 0.232% | $2,526.58 | G&A |
| OH — 8810 (Clerical Office NOC) | 1 | $70,000 | N/A | OH BWC Direct | 0.00% | $0.00 | $84.00 | 0.11% | $77.00 | G&A |
| PA — 0953 (Clerical) | 3 | $225,000 | 0.09% | $202.50 | 0.00% | $0.00 | $270.00 | 0.22% | $495.00 | G&A |
| SD — 8871 (Clerical Telecommuter) | 1 | $75,000 | 0.05% | $37.50 | 0.20% | $150.00 | $90.00 | 0.05% | $37.50 | Hanover/ADP |
| TX — 8810 (Clerical Office NOC) | 2 | $464,984 | 0.02% | $92.80 | 0.10% | $464.00 | $557.98 | 0.068% | $316.19 | Hanover |
| VT — 8871 (Clerical Telecommuter) | 1 | $75,000 | 0.08% | $60.00 | 0.17% | $127.50 | $90.00 | 0.18% | $135.00 | Hanover |
| SUBTOTAL — Manual Premium | 53* | $6,235,011 | Avg 0.06% | $3,480.26 | Avg 0.078% | $4,838.19 | $7,483.21 | Avg 0.092% | $5,747.23 | Hanover |
| + Terrorism (.005–.030), Catastrophe (.010), Expense Constants, State Assessments (Hanover policy schedule) | — | $1,012.74 | Included in G&A Group WC rate (no separate surcharges) | Included in ADP WC line item (V-736552) | — | |||||
| TOTAL ANNUAL WC PREMIUM | 53 | $6,235,011 | Hanover W2F-D926380-06 |
$4,493.00 | G&A Group + Stop-Gap |
$4,838.19 | EPLI separate $7,488.03/yr |
ADP TotalSource V-736552 |
$5,747.23 | Hanover G&A +$345 · ADP +$1,254 |
* Hanover (Current) WC sourced directly from policy W2F-D926380-06 (5/24/2025–5/24/2026, Allmerica Financial Benefit Insurance). Hanover policy specifically covers AZ, CA, GA, IL, MI, NJ, TX in Item 3.A at the rates shown; remaining states covered under Part Three "Other States Insurance" at base manual rates. Total $4,493 includes terrorism premium ($112), catastrophe ($46), state assessments (CA $36, IL $1, NJ $60), expense constants, second injury fund, and other state-specific surcharges.
G&A WC rates sourced directly from G&A Partners formal quote (4/10/26) — exact per-state quoted rates and dollar amounts (with cents) per the "PEO Pricing" tab. G&A total $4,838.19 = sum of: NJ $1,525.97 + OH $0 + TX $464 + CA $548.41 + AZ $679.81 + CT $82.50 + FL $495 + GA $180 + IL $330 + MD $37.50 + NC $120 + NE $97.50 + PA $0 + SD $150 + VT $127.50.
ADP WC rates sourced from ADP TotalSource quote V-736552 (4/14/26, Workers' Compensation Insurance line item). ADP total $5,747.23 = sum of: NJ $2,526.58 + AZ $341.04 + CA $559.38 + FL $495 + PA $495 + TX $316.19 + NC $225 + IL $180 + MD $135 + VT $135 + NE $112.50 + OH $77 + GA $74.55 + CT $37.50 + SD $37.50.
* ADP EE-count discrepancy: ADP's WC quote shows GA = 1 EE / $75K payroll and IL = 2 EEs / $150K payroll, while Hanover and G&A reflect Exavalu's actual GA = 2 EEs / $150K and IL = 4 EEs / $300K. Total ADP-counted WSEs = 50; total per Client/G&A/SUTA reconciliation = 53. ADP would likely revise its WC premium upward when actual headcount is loaded — at ADP's per-state rates, true 53-EE premium would be approximately $5,996/yr (+$249).
EPLI Note: G&A's 0.12% EPLI rate is shown for transparency but is a separate premium ($7,488.03/yr total) — not included in WC total. EPLI may be waived if Exavalu has an existing $1M-equivalent EPLI policy in force. ADP V-736552 quote does not itemize EPLI/Cyber separately on the WC schedule — bundling status TBD per ADP rep. OH State Monopoly Fund: Exavalu pays Ohio BWC directly (no Hanover or G&A premium for OH WC); G&A provides Stop-Gap Liability coverage only. ADP charged $77 stop-gap-equivalent for OH. PA Class 0953: G&A's 0.00% rate is the "as-quoted" rate (state monopoly + private); ADP charges $495 (0.22% on $225K payroll); Hanover charges $202.50 (0.09%).
Important caveat: G&A's quoted $4,838.19 is initial pricing — per G&A's note, "Workers' Comp pricing will be finalized once 3 years of Loss Runs are provided and reviewed by G&A Partners Risk Dept." Final G&A rates may decrease with clean Exavalu loss history. Both G&A and ADP are pay-as-you-go; Hanover requires annual deposit premium upfront (cash-flow disadvantage).
★ Combined Annual Savings Summary (Actual Numbers): G&A vs. Current: Medical $317,640.24 + SUI $20,326 − WC $345 = $337,621 / year. ADP vs. Current: Medical (G&A wins) + SUI $669 − WC $1,254 = −$585 / year on tax-and-WC alone (before benefits). On WC alone, Hanover remains the cheapest carrier; G&A is +$345 (within rounding given pay-as-you-go cash-flow improvement); ADP is +$1,254. WC is not the deciding factor — Medical savings ($317K) dwarf the WC delta. Recommendation: Keep Hanover for WC if maintaining standalone insurance, OR move WC to G&A for bundled compliance + pay-as-you-go cash flow at +$345/yr.
Health Insurance
| Employee | Current Anthem · Exavalu |
G&A Partners Aetna Master |
ADP TotalSource Aetna OAMC |
G&A Savings vs Current · Annual |
ADP Savings vs Current · Annual |
|---|---|---|---|---|---|
|
SAYANTAN Bagchi
EE
|
$547.18/mo
Anthem Silver 8V88 80%
EE $547.18
|
$435.19/mo
G&A Aetna PPO $2,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($1,343.88)
($111.99)/mo
|
($451.08)
($37.59)/mo
|
|
SAMYA PRIYA Banerjee
FAM
|
$1,974.36/mo
Anthem Silver 8V88 80%
EE $722.65 · Dep $1,251.71
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($7,503.12)
($625.26)/mo
|
($4,735.68)
($394.64)/mo
|
|
SAURAV Basu
FAM
|
$2,566.52/mo
Anthem Gold 94JT
EE $1,055.24 · Dep $1,511.28
|
$1,702.68/mo
G&A Aetna PPO $500 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($10,366.08)
($863.84)/mo
|
($11,841.60)
($986.80)/mo
|
|
MANPREET Bedi
EE/SP
|
$1,912.10/mo
Anthem Bronze 8VE9 HDHP
EE $819.41 · Dep $1,092.69
|
$670.27/mo
G&A Aetna PPO HDHP $5,000 80%
|
$1,172.06/mo
Aetna OAMC 2000-60% (Opt 3)
|
($14,901.96)
($1,241.83)/mo
|
($8,880.48)
($740.04)/mo
|
|
SIVA K Boyana
FAM
|
$1,861.66/mo
Anthem Silver 8V88 80%
EE $599.78 · Dep $1,261.88
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($6,150.72)
($512.56)/mo
|
($3,383.28)
($281.94)/mo
|
|
MOULINATH Chakrabarty
EE
|
$749.73/mo
Anthem Bronze 8VE9 HDHP
EE $749.73
|
$291.42/mo
G&A Aetna PPO HDHP $5,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($5,499.72)
($458.31)/mo
|
($2,881.68)
($240.14)/mo
|
|
STEVEN C Clemens
EE
|
$1,242.28/mo
Anthem Gold 94JV 80%
EE $1,242.28
|
$484.73/mo
G&A Aetna PPO $1,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($9,090.60)
($757.55)/mo
|
($8,792.28)
($732.69)/mo
|
|
PRAVEEN Damodaran
EE/CH
|
$1,451.93/mo
Anthem Silver 8V88 80%
EE $722.65 · Dep $729.28
|
$870.39/mo
G&A Aetna PPO $2,000 80%
|
$968.21/mo
Aetna OAMC 2000-60% (Opt 3)
|
($6,978.48)
($581.54)/mo
|
($5,804.64)
($483.72)/mo
|
|
JAGADEESH Deshagani
FAM
|
$2,106.52/mo
Anthem Silver 8V88 80%
EE $789.39 · Dep $1,317.13
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($9,089.04)
($757.42)/mo
|
($6,321.60)
($526.80)/mo
|
|
MATTHEW J Dillon
FAM
|
$2,613.99/mo
Anthem Bronze 8VE9 HDHP
EE $749.73 · Dep $1,864.26
|
$903.41/mo
G&A Aetna PPO HDHP $5,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($20,526.96)
($1,710.58)/mo
|
($12,411.24)
($1,034.27)/mo
|
|
VISWANATH Eranki
FAM
|
$2,094.14/mo
Anthem Silver 8V88 80%
EE $862.76 · Dep $1,231.38
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($8,940.48)
($745.04)/mo
|
($6,173.04)
($514.42)/mo
|
|
ABHIJIT Ganguly
EE
|
$656.12/mo
Anthem Bronze 8VE9 HDHP
EE $656.12
|
$291.42/mo
G&A Aetna PPO HDHP $5,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($4,376.40)
($364.70)/mo
|
($1,758.36)
($146.53)/mo
|
|
AMAN Ghosh
EE/SP
|
$1,013.93/mo
Anthem Silver 8V88 80%
EE $512.27 · Dep $501.66
|
$1,000.95/mo
G&A Aetna PPO $2,000 80%
|
$1,172.06/mo
Aetna OAMC 2000-60% (Opt 3)
|
($155.76)
($12.98)/mo
|
$1,897.56
$158.13/mo
|
|
VINCENT Giovanniello
FAM
|
$1,725.77/mo
Anthem Gold 94JV 80%
EE $659.21 · Dep $1,066.56
|
$1,502.68/mo
G&A Aetna PPO $1,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($2,677.08)
($223.09)/mo
|
($1,752.60)
($146.05)/mo
|
|
PRASANNA Gunjikar
FAM
|
$2,234.25/mo
Anthem Silver 8V88 80%
EE $862.76 · Dep $1,371.49
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($10,621.80)
($885.15)/mo
|
($7,854.36)
($654.53)/mo
|
|
JONATHAN Harris
FAM
|
$2,397.69/mo
Anthem Bronze 8VE4 HDHP
EE $870.59 · Dep $1,527.10
|
$903.41/mo
G&A Aetna PPO HDHP $5,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($17,931.36)
($1,494.28)/mo
|
($9,815.64)
($817.97)/mo
|
|
SRINIVAS Kadugere
EE/SP
|
$1,831.16/mo
Anthem Silver 8V88 80%
EE $1,077.13 · Dep $754.03
|
$1,000.95/mo
G&A Aetna PPO $2,000 80%
|
$1,172.06/mo
Aetna OAMC 2000-60% (Opt 3)
|
($9,962.52)
($830.21)/mo
|
($7,909.20)
($659.10)/mo
|
|
SHARMILAA Kanneshwaran
EE
|
$536.58/mo
Anthem Silver 8V88 80%
EE $536.58
|
$435.19/mo
G&A Aetna PPO $2,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($1,216.68)
($101.39)/mo
|
($323.88)
($26.99)/mo
|
|
RAJENDRA Kelkar
EE/SP
|
$2,046.25/mo
Anthem Bronze 8VE4 HDHP
EE $1,136.41 · Dep $909.84
|
$670.27/mo
G&A Aetna PPO HDHP $5,000 80%
|
$1,172.06/mo
Aetna OAMC 2000-60% (Opt 3)
|
($16,511.76)
($1,375.98)/mo
|
($10,490.28)
($874.19)/mo
|
|
SRAVANI Korrapati
EE
|
$629.92/mo
Anthem Gold 94JV 80%
EE $629.92
|
$484.73/mo
G&A Aetna PPO $1,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($1,742.28)
($145.19)/mo
|
($1,443.96)
($120.33)/mo
|
|
ERIC Loser
FAM
|
$2,525.25/mo
Anthem Bronze 8VE4 HDHP
EE $623.06 · Dep $1,902.19
|
$903.41/mo
G&A Aetna PPO HDHP $5,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($19,462.08)
($1,621.84)/mo
|
($11,346.36)
($945.53)/mo
|
|
MADHUBALAN Manickam
EE
|
$743.87/mo
Anthem Gold 94JV 80%
EE $743.87
|
$484.73/mo
G&A Aetna PPO $1,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($3,109.68)
($259.14)/mo
|
($2,811.36)
($234.28)/mo
|
|
GARY Mcdonough
FAM
|
$3,153.35/mo
Anthem Gold 94JV 80%
EE $1,187.43 · Dep $1,965.92
|
$1,502.68/mo
G&A Aetna PPO $1,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($19,808.04)
($1,650.67)/mo
|
($18,883.56)
($1,573.63)/mo
|
|
KAILASH Mendadkar
EE
|
$663.47/mo
Anthem Gold 94JV 80%
EE $663.47
|
$484.73/mo
G&A Aetna PPO $1,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($2,144.88)
($178.74)/mo
|
($1,846.56)
($153.88)/mo
|
|
SOUVIK Mukherjee
FAM
|
$1,818.43/mo
Anthem Gold 94JV 80%
EE $705.54 · Dep $1,112.89
|
$1,502.68/mo
G&A Aetna PPO $1,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($3,789.00)
($315.75)/mo
|
($2,864.52)
($238.71)/mo
|
|
ROBERT Murray
EE/SP
|
$1,255.05/mo
Anthem Gold 94JV 80%
EE $617.14 · Dep $637.91
|
$1,114.89/mo
G&A Aetna PPO $1,000 80%
|
$1,172.06/mo
Aetna OAMC 2000-60% (Opt 3)
|
($1,681.92)
($140.16)/mo
|
($995.88)
($82.99)/mo
|
|
AVDHUT Nadkarni
FAM
|
$2,705.42/mo
Anthem Silver 8V88 80%
EE $1,199.56 · Dep $1,505.86
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($16,275.84)
($1,356.32)/mo
|
($13,508.40)
($1,125.70)/mo
|
|
SWAPNA Nair
EE
|
$749.70/mo
Anthem Gold 94JT
EE $749.70
|
$549.25/mo
G&A Aetna PPO $500 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($2,405.40)
($200.45)/mo
|
($2,881.32)
($240.11)/mo
|
|
MRUTUNJAYA Panda
FAM
|
$2,343.29/mo
Anthem Bronze 8VE4 HDHP
EE $796.56 · Dep $1,546.73
|
$903.41/mo
G&A Aetna PPO HDHP $5,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($17,278.56)
($1,439.88)/mo
|
($9,162.84)
($763.57)/mo
|
|
ESSAKKI Pandaram
EE
|
$519.69/mo
Anthem Bronze 8VE9 HDHP
EE $519.69
|
$291.42/mo
G&A Aetna PPO HDHP $5,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($2,739.24)
($228.27)/mo
|
($121.20)
($10.10)/mo
|
|
NAGA Poturi
EE/SP
|
$1,276.35/mo
Anthem Gold 94JV 80%
EE $629.92 · Dep $646.43
|
$1,114.89/mo
G&A Aetna PPO $1,000 80%
|
$1,172.06/mo
Aetna OAMC 2000-60% (Opt 3)
|
($1,937.52)
($161.46)/mo
|
($1,251.48)
($104.29)/mo
|
|
BODEDDULASWA Reddy
EE
|
$671.99/mo
Anthem Gold 94JV 80%
EE $671.99
|
$484.73/mo
G&A Aetna PPO $1,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($2,247.12)
($187.26)/mo
|
($1,948.80)
($162.40)/mo
|
|
MIDHUNKUMAR Sampath
EE
|
$722.58/mo
Anthem Gold 94JV 80%
EE $722.58
|
$484.73/mo
G&A Aetna PPO $1,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($2,854.20)
($237.85)/mo
|
($2,555.88)
($212.99)/mo
|
|
DHIVYA Sankareswaran
EE
|
$580.69/mo
Anthem Bronze 8VE4 HDHP
EE $580.69
|
$291.42/mo
G&A Aetna PPO HDHP $5,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($3,471.24)
($289.27)/mo
|
($853.20)
($71.10)/mo
|
|
BRIAN Schween
FAM
|
$2,905.60/mo
Anthem Silver 8V87 80%
EE $1,222.45 · Dep $1,683.15
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($18,678.00)
($1,556.50)/mo
|
($15,910.56)
($1,325.88)/mo
|
|
WILLIAM Smith
EE
|
$1,441.68/mo
Anthem Gold 94JT
EE $1,441.68
|
$549.25/mo
G&A Aetna PPO $500 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($10,709.16)
($892.43)/mo
|
($11,185.08)
($932.09)/mo
|
|
B. Sowmyanarayanan
EE
|
$870.59/mo
Anthem Bronze 8VE4 HDHP
EE $870.59
|
$291.42/mo
G&A Aetna PPO HDHP $5,000 80%
|
$509.59/mo
Aetna OAMC 2000-60% (Opt 3)
|
($6,950.04)
($579.17)/mo
|
($4,332.00)
($361.00)/mo
|
|
GANESH Srinivasan
EE/CH
|
$1,756.13/mo
Anthem Gold 94JV 80%
EE $832.27 · Dep $923.86
|
$969.47/mo
G&A Aetna PPO $1,000 80%
|
$968.21/mo
Aetna OAMC 2000-60% (Opt 3)
|
($9,439.92)
($786.66)/mo
|
($9,455.04)
($787.92)/mo
|
|
SAJITH Thomas
FAM
|
$1,408.17/mo
Anthem Silver 8V88 80%
EE $547.18 · Dep $860.99
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($708.84)
($59.07)/mo
|
$2,058.60
$171.55/mo
|
|
ABHISHEK Verma
FAM
|
$1,879.34/mo
Anthem Silver 8V88 80%
EE $617.46 · Dep $1,261.88
|
$1,349.10/mo
G&A Aetna PPO $2,000 80%
|
$1,579.72/mo
Aetna OAMC 2000-60% (Opt 3)
|
($6,362.88)
($530.24)/mo
|
($3,595.44)
($299.62)/mo
|
|
TOTAL
All 40 enrolled
|
$62,183/mo
$746,193 / year
|
$35,713/mo
$428,552 / year ★
|
$43,468/mo
$521,612 / year
|
($317,640)
($26,470)/mo ★
|
($224,581)
($18,715)/mo
|
* Source: G&A Partners formal quote dated 4/10/26, "Empoyee Mapping and Savings" tab. All 40 enrolled employees with their actual coverage type, current Anthem plan code, employee + dependent rates, and matched G&A Aetna Master Policy plan. G&A rates are age-banded — individual employee rates from quote. Coverage types: EE=Employee Only · EE/SP=Employee+Spouse · EE/CH=Employee+Child(ren) · FAM=Employee+Family. Dependent column = additional monthly amount for dependents on top of base rate. Total annual savings of $317,640.24 matches G&A formal quote summary.
Benefits Plan & Carrier Comparison
Current Anthem vs. PEO Options| Plan Design | GROUP 01 — Silver Tier (13 EEs) | GROUP 02 — Gold Tier (3 EEs) | GROUP 03 — Bronze HDHP (5 EEs) | GROUP 04 — Gold Tier (12 EEs) | GROUP 05 — Bronze HDHP (6 EEs) | GROUP 06 — Silver Tier (1 EE) | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Anthem Silver 8V88 | G&A Aetna PPO $2,000 80% | ADP TS OAMC 2000 |
Anthem Gold 94JT | G&A Aetna PPO $500 80% | ADP TS OAMC 2000 |
Anthem Bronze 8VE9 HDHP | G&A Aetna HDHP $5K 80% | ADP TS OAMC 2000 |
Anthem Gold 94JV 80% | G&A Aetna PPO $1,000 80% | ADP TS OAMC 2000 |
Anthem Bronze 8VE4 HDHP | G&A Aetna HDHP $5K 80% | ADP TS OAMC 2000 |
Anthem Silver 8V87 80% | G&A Aetna PPO $2,000 80% | ADP TS OAMC 2000 |
|
| Plan Type | PPO | PPO | PPO | PPO | PPO | PPO | HDHP PPO | HDHP PPO | HDHP PPO | PPO | PPO | PPO | HDHP PPO | HDHP PPO | HDHP PPO | PPO | PPO | PPO |
| Provider Network | Select PPO | OAMC | OAMC | OAMC | OAMC | OAMC | Select PPO | OAMC | OAMC | Select PPO | OAMC | OAMC | Prudent Buyer | OAMC | OAMC | Prudent Buyer | OAMC | OAMC |
| PCP / Referral Required | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No | No |
| In-Network Coverage | ||||||||||||||||||
| Deductible (Indiv) | $1,750 | $2,000 | $2,000 | $500 | $500 | $2,000 | $6,700 | $5,000 | $2,000 | $500 | $1,000 | $2,000 | $6,700 | $5,000 | $2,000 | $1,750 | $2,000 | $2,000 |
| Deductible (Fam) | $3,500 | $4,000 | $4,000 | $1,500 | $1,000 | $4,000 | $13,400 | $10,000 | $4,000 | $1,500 | $2,000 | $4,000 | $13,400 | $10,000 | $4,000 | $3,500 | $4,000 | $4,000 |
| Deductible Schedule | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr | Calendar Yr |
| Coinsurance | 60% | 80% | 60% | 80% | 80% | 60% | 100% | 80% | 60% | 80% | 80% | 60% | 100% | 80% | 60% | 60% | 80% | 60% |
| Out of Pocket Max (Indiv) | $9,100 | $6,850 | $6,850 | $7,900 | $3,500 | $6,850 | $7,800 | $6,850 | $6,850 | $7,900 | $4,500 | $6,850 | $7,800 | $6,850 | $6,850 | $9,100 | $6,850 | $6,850 |
| Out of Pocket Max (Fam) | $18,200 | $13,700 | $13,700 | $15,800 | $7,000 | $13,700 | $15,600 | $13,700 | $13,700 | $15,800 | $9,000 | $13,700 | $15,600 | $13,700 | $13,700 | $18,200 | $13,700 | $13,700 |
| In-Patient Hospital | 40% Ded | 20% Ded | 40% Ded | 0% Ded | 0% Ded | 40% Ded | 0% Ded | 20% Ded | 40% Ded | 20% Ded | 20% Ded | 40% Ded | 0% Ded | 20% Ded | 40% Ded | 40% Ded | 20% Ded | 40% Ded |
| Out-Patient Surgery | 40% Ded | 20% Ded | 40% Ded | 0% Ded | 0% Ded | 40% Ded | 0% Ded | 20% Ded | 40% Ded | 20% Ded | 20% Ded | 40% Ded | 0% Ded | 20% Ded | 40% Ded | 40% Ded | 20% Ded | 40% Ded |
| Emergency Room | 40% +$300 | $350 | $500 | $250 | $300 | $500 | 0% Ded | 20% Ded | $500 | 20% +$250 | $350 | $500 | 0% Ded | 20% Ded | $500 | 40% +$300 | $350 | $500 |
| Urgent Care | $45 | $85 | $85 | $30 | $75 | $85 | 0% Ded | 20% Ded | $85 | $30 | $85 | $85 | 0% Ded | 20% Ded | $85 | $45 | $85 | $85 |
| Diagnostic (X-ray, Lab) | $20 | 20% Ded | 20% Ded | $15/day | 20% Ded | 20% Ded | 0% Ded | 20% Ded | 20% Ded | $15/visit | 20% Ded | 20% Ded | 0% Ded | 20% Ded | 20% Ded | $20/day | 20% Ded | 20% Ded |
| Imaging (CT/MRI/PET) | 40% +$100 | 20% Ded | 20% Ded | 20% +$100 | 20% Ded | 20% Ded | 0% Ded | 20% Ded | 20% Ded | 20% +$100 | 20% Ded | 20% Ded | 0% Ded | 20% Ded | 20% Ded | 40% +$40 | 20% Ded | 20% Ded |
| Office Visit Copays | ||||||||||||||||||
| Primary Care | $45 | $30 | $35 | $30 | $25 | $35 | 0% Ded | 20% Ded | $35 | $30 | $25 | $35 | 0% Ded | 20% Ded | $35 | $45 | $30 | $35 |
| Specialist | $95 | $60 | $70 | $60 | $50 | $70 | 0% Ded | 20% Ded | $70 | $60 | $50 | $70 | 0% Ded | 20% Ded | $70 | $95 | $60 | $70 |
| Preventive | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge | No Charge |
| Prescriptions | ||||||||||||||||||
| RX Out of Pocket (Indiv) | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined | Combined |
| Rx Deductible (Indiv/Fam) | $300/$600 | None | None | None | None | None | $6,700 | Combined | None | None | None | None | $6,700 | Combined | None | $300/$600 | None | None |
| Tier 1 (Generic) | $15 | $3 / $10 | Varies | $10 | $3 / $10 | Varies | Ded & $20 | After Ded | Varies | $10 | $3 / $10 | Varies | Ded & $20 | After Ded | Varies | $15 | $3 / $10 | Varies |
| Tier 2 (Preferred) | $70 | $45 | Varies | $50 | $45 | Varies | Ded & $90 | After Ded | Varies | $50 | $45 | Varies | Ded & $90 | After Ded | Varies | $70 | $45 | Varies |
| Tier 3 (Non-Preferred) | $110 | $70 | Varies | $90 | $70 | Varies | Ded & $160 | After Ded | Varies | $90 | $70 | Varies | Ded & $160 | After Ded | Varies | $110 | $70 | Varies |
| Out-of-Network | ||||||||||||||||||
| Deductible (Ind / Fam) | $3,500/$7K | $6K/$12K | $6K/$12K | $2K/$4K | $1,500/$3K | $6K/$12K | $13,400/$26,800 | $10K/$20K | $6K/$12K | $2K/$4K | $3K/$6K | $6K/$12K | $13,400/$26,800 | $10K/$20K | $6K/$12K | $3,500/$7K | $6K/$12K | $6K/$12K |
| OOP Max (Ind / Fam) | $18,200/$36,400 | $14K/$28K | $14K/$28K | $15,800/$31,600 | $7K/$14K | $14K/$28K | $15,600/$31,200 | $14K/$28K | $14K/$28K | $15,800/$31,600 | $9K/$18K | $14K/$28K | $15,600/$31,200 | $14K/$28K | $14K/$28K | $18,200/$36,400 | $14K/$28K | $14K/$28K |
| Coinsurance (OON) | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% |
| Monthly Billed Rates | ||||||||||||||||||
| EE Only | Age Banded | $435.19 | $509.59 | Age Banded | $549.25 | $509.59 | Age Banded | $291.42 | $509.59 | Age Banded | $484.73 | $509.59 | Age Banded | $291.42 | $509.59 | Age Banded | $435.19 | $509.59 |
| EE + Spouse | Age Banded | $1,000.95 | $1,172.06 | Age Banded | $1,263.28 | $1,172.06 | Age Banded | $670.27 | $1,172.06 | Age Banded | $1,114.89 | $1,172.06 | Age Banded | $670.27 | $1,172.06 | Age Banded | $1,000.95 | $1,172.06 |
| EE + Child(ren) | Age Banded | $870.39 | $968.21 | Age Banded | $1,098.51 | $968.21 | Age Banded | $582.84 | $968.21 | Age Banded | $969.47 | $968.21 | Age Banded | $582.84 | $968.21 | Age Banded | $870.39 | $968.21 |
| EE + Family | Age Banded | $1,349.10 | $1,579.72 | Age Banded | $1,702.68 | $1,579.72 | Age Banded | $903.41 | $1,579.72 | Age Banded | $1,502.68 | $1,579.72 | Age Banded | $903.41 | $1,579.72 | Age Banded | $1,349.10 | $1,579.72 |
| Monthly Plan Premium | $21,644.64 | $14,535.47 | $16,969.12 | $4,757.90 | $2,801.18 | $2,598.89 | $6,451.63 | $2,447.94 | $4,280.55 | $15,659.19 | $10,615.67 | $11,108.89 | $10,763.76 | $3,963.34 | $6,930.33 | $2,905.60 | $1,349.10 | $1,579.72 |
| Annual Plan Premium | $259,735.68 | $174,425.64 | $203,629.44 | $57,094.80 | $33,614.16 | $31,186.68 | $77,419.56 | $29,375.28 | $51,366.60 | $187,910.28 | $127,388.04 | $133,306.68 | $129,165.12 | $47,560.08 | $83,163.96 | $34,867.20 | $16,189.20 | $18,956.64 |
★ G&A wins by $93,059.60 in additional annual savings vs. ADP TotalSource Option 3. Plan design data sourced from G&A Partners formal quote (4/10/26) and ADP TotalSource FIA (4/14/26). Anthem rates are age-banded per employee (totals reflect actual census). G&A and ADP rates shown are the formal tier rates; ADP TS plan design represents Option 3 — Aetna OAMC 2000-60% (best value of 3 ADP options). Each Anthem plan is mapped to its closest equivalent under both PEOs.
2-Year Medical Cost Outlook · Current → Year 1 → Year 2
Medical premiums only · 6/1/26 – 5/31/28Your medical premium: today → first year → second year
Medical premiums only (40 enrolled employees). Year 1 covers 6/1/26 – 5/31/27 (your June 2026 renewal). Year 2 covers 6/1/27 – 5/31/28 (the following renewal).
(40 enrolled employees)
(40 enrolled employees)
(40 enrolled employees)
2-Year medical-premium savings vs. staying on Anthem direct
Cumulative medical-premium dollars kept in Exavalu's pocket over the next 2 years if you switch.
Why the gap widens every year
Health insurance renewals don't reset — they build on top of last year's premium. A 2-percentage-point trend gap (10% PEO vs. 12% Anthem) seems small but compounds every renewal cycle. The longer Exavalu waits to switch, the larger the cumulative cost difference.
What's included in these numbers? · Click to view assumptions
Anthem Current/Year 1 ($746K): Total Anthem medical premium across 40 enrolled employees in 6 plan tiers. Year 1 holds at the current rate; Year 2 applies a 12% renewal trend (Anthem rate filings 2024-2026 averaged 11.8% in the SMB community-rated market). Editable — click the percentage to model different scenarios.
G&A Year 1 ($429K) and ADP Year 1 ($522K): Quoted first-year medical premium per G&A Partners 4/10/26 quote (Aetna PPO/HDHP across all 6 plan tiers) and ADP TotalSource quote V-736552 (Aetna OAMC 2000 Option 3). Year 2 applies a 10% renewal cap typical of large-group risk-pooled medical underwriting. Admin, SUTA, and Workers Comp are excluded here — see Page 02A and the SUTA / WC detail pages for those line items.
Headcount held constant at 40 medically enrolled employees across all 6 plan tiers. Numbers rounded to nearest $1,000 for clarity. By Year 5 (compounding the same trend), the cumulative G&A medical savings vs. Anthem exceeds $2.0M.
Features, Technology & Service Comparison
Platform · HR · Risk · Compliance| Feature / Capability | G&A Partners |
ADP TotalSource |
|---|---|---|
| 🖥 TECHNOLOGY PLATFORM | ||
| HRIS System | WorkSight (proprietary) | ADP Workforce Now (award-winning) |
| Mobile App | Yes — WorkSight mobile | Yes — full-featured |
| Third-Party Integrations | Best-of-breed integrations | ADP Marketplace — 800+ solutions |
| Learning Management (LMS) | 1,000+ online courses | Training & development included |
| Performance Management | Included — configurable workflows | Optional add-on |
| Expense Management | Integrated with HRIS/payroll | Via ADP Marketplace |
| Time & Labor Management | TLM system included | Optional add-on |
| Workforce Analytics | Robust report library | ADP DataCloud — award-winning |
| 👥 HR SERVICES | ||
| Dedicated HR Contact | Client Advocate (your main point of contact) | HR Business Partner (strategic HR) |
| HR Team Depth | Payroll Specialist + Benefits Specialist + HR Advisors + Safety Specialist + 401(k) Specialist | Payroll Advisor + Benefits Specialist + Risk Consultant + Tax Consultant + WC Specialist + Investigation Team |
| Employee HR Call Support | AccessHR — phone, email, chat | MyLife Advisors — direct employee support |
| Applicant Tracking System | Yes — 1 job free, AI-powered | Available (Recruiting module) |
| Employee Onboarding | Activity Center with e-signatures | Digital onboarding — I-9 audit included |
| Online Client Community | The Bridge — rewards & networking | Not featured |
| Annual HR Assessment | Included — 12-month strategy | HR audit included |
| 🛡 RISK, COMPLIANCE & SAFETY | ||
| Workers' Compensation | Master policy — pooled rate | Master policy — integrated WC billing |
| EPLI Coverage | Employment Practices Liability Insurance | $1M EPLI Policy included |
| Legal Defense Benefit | Not featured | $75K Legal Defense Benefit ($200K in CA) |
| UI Appeals Win Rate | 79.25% (vs. 31.7% national avg) | Not published |
| Safety Training | OSHA guidance + onsite inspections | OSHA compliant training |
| HR Investigations | Included | Dedicated HR Investigation Team |
| ACA Compliance | For 50+ FTEs (with setup fee) | Included in ADP service fee |
| Cyber Liability Program | Included | Not featured |
| 💰 401(k) & RETIREMENT | ||
| 401(k) Plan Provider | Slavic 401k — multi-employer plan | ADP TotalSource Retirement Plan |
| Plan Audit Cost | Borne by G&A Partners — NOT client | Included in ADP service fee |
| Fiduciary Liability | G&A assumes fiduciary liability | ADP assumes fiduciary liability |
| Tax Credits (SECURE Act) | Available | Up to $5K/yr + $500 auto-enroll credit |
| 🏆 ACCREDITATIONS & RATINGS | ||
| IRS CPEO Certified | Yes | Yes — Nation's largest CPEO |
| ESAC Accredited | Yes | Yes |
| BBB Accredited | Yes | Not featured |
| Net Promoter Score (NPS) | 84 (Exceptional) | −8 (Below average) |
| Inc. 5000 Recognition | 18 appearances since 2004 | Not applicable (public company) |
| Years in Business | 30+ years (est. 1995) | 75+ years (est. 1949) |
| Ownership | Private — 30+ years stable | Public (NASDAQ: ADP) |
Client Satisfaction & Service Quality
NPS · Support Model · Onboarding| Role / Function | G&A Partners |
ADP TotalSource |
|---|---|---|
| Primary Client Contact | Client Advocate | HR Business Partner |
| Payroll Support | Dedicated Payroll Specialist | Payroll Advisor |
| Benefits Support | Benefits Specialist + Benefits Account Manager | Benefits Specialist |
| HR Advisory | HR Advisors (team) | HR Business Partner (strategic) |
| Risk / Safety | Safety Specialist + WC Claims Specialist | Risk & Safety Consultants (onsite) |
| Employee Direct Line | AccessHR (email / phone / chat) | MyLife Advisors (dedicated team) |
| Tax Support | Included in service | Dedicated Tax Consultant |
| HR Investigations | Included | Dedicated Investigation Team |
| 401(k) Specialist | Dedicated 401(k) Specialist | Via ADP Retirement Services |
- Prior to first payroll: Paperwork, employee data, benefits enrollment, system setup
- Within 30 days: Payroll review, ACA discussion, wellness kickoff, I-9 audit, HR systems training, safety visit
- Within 90 days: Employee handbook complete, payroll classification audit, 401(k) merger, safety manual
- Ongoing: Quarterly wellness, annual HR assessment, renewal discussions, handbook updates
- Underwriting docs due: April 17, 2026 (EIN, SUI proof, ownership breakdown)
- E-sign paperwork: Following underwriting approval
- Implementation kickoff: TBD with dedicated implementation + payroll specialist
- Open enrollment: May 2026 (virtual Webex session, 90 min)
- First payroll: June 2026
- Benefits effective: June 1, 2026
Final Recommendation & Next Steps
Vyral Advisory DecisionScore / 10
- →G&A saves $249,970/yr vs. Exavalu's current state — that's $105,134 MORE in annual savings than ADP's best option ($144,836). G&A wins on price AND service quality.
- →Aetna medical premium of $428,552/yr — $93,060 less than ADP's best medical option ($521,612). Same Aetna Open Access network, 80% coinsurance, lower OOP max for employees.
- →Admin fee of $73,140/yr ($115 PEPM) vs. ADP's $102,441/yr — $29,301 less per year in service fee with higher-touch, dedicated support.
- →NPS of 84 vs. ADP's −8 — a 92-point gap. G&A's clients are genuine promoters; ADP's clients are detractors on average. Exavalu needs a PEO partner, not a vendor.
- →UI appeals win rate of 79.25% vs. national average of 31.7% — protecting Exavalu across 15 states as headcount scales.
- →401(k) plan audit cost borne by G&A (not client), fiduciary liability assumed — plus cyber liability, LMS with 1,000+ courses, client community (The Bridge), and integrated expense management.
- →ESAC + IRS CPEO + BBB accredited. Privately owned 30+ years. Dedicated Client Advocate model — one point of contact who knows Exavalu's business.
Score / 10
- →ADP's formal proposal shows $144,836 in annual savings (Option 3) — a real, validated number. Implementation fee waived via Triton Partnership. ADP Marketplace: 800+ integrations.
- →$75K Legal Defense Benefit ($200K in CA) and $1M EPLI are specific, quantified protections. ADP DataCloud analytics are industry-leading for data-driven workforce insights.
- →ADP Workforce Now is a best-in-class HRIS — 4.4 G2 rating, 800+ marketplace integrations, award-winning mobile app. Strong fit for tech-oriented companies like Exavalu.
- →Key limitation: NPS of −8 signals systemic dissatisfaction; ADP's medical premium is $93,060/yr higher than G&A's; admin fee is $29,301/yr higher. On all three key dimensions — price, service, plan quality — G&A leads.
Select G&A Partners
Both quotes are in. G&A wins on savings ($249,970 vs. $144,836), medical premium ($428K vs. $522K), admin fee ($73K vs. $102K), and service quality (NPS 84 vs. −8). Notify G&A to proceed with paperwork and census submission.
Complete G&A Onboarding Docs
Provide EIN, 3 years of WC loss runs (for final WC rate), SUI proof, and ownership breakdown. Begin I-9 audit prep. G&A team will assign Client Advocate, Payroll Specialist, and Benefits Specialist.
Run G&A Platform Demo
Schedule a 30–45 min demo of WorkSight HRIS + employee portal before finalizing. Validate payroll integration from Gusto, benefits enrollment flow, and mobile app experience for Exavalu's team.
Open Enrollment — May 2026
Target benefits enrollment in May for June 1, 2026 effective date. G&A assigns Benefits Specialist for 1-on-1 employee sessions. Employees choose from Aetna PPO ($500, $1K, $2K, HDHP $5K) and HMO options for CA.
Vyral Advisory Summary: With G&A's formal quote now in hand, this is a clear decision. G&A Partners outperforms ADP TotalSource on every critical metric — $105K more in annual savings, $93K lower medical premium, $29K lower admin fee, and a 92-point NPS advantage. G&A's $157,208 in projected savings through year-end 2026 alone covers the $2,650 implementation fee many times over. If Exavalu has existing EPLI and cyber coverage with $250K+ limits, those G&A line items are waivable — improving savings further. ADP's underwriting deadline of April 17, 2026 has passed — proceed with G&A.