{"id":37036,"date":"2026-02-13T09:57:36","date_gmt":"2026-02-13T15:57:36","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=case_study&#038;p=37036"},"modified":"2026-02-13T09:57:36","modified_gmt":"2026-02-13T15:57:36","slug":"comprehensive-market-review","status":"publish","type":"case_study","link":"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/","title":{"rendered":"Comprehensive Market Review Drives 30% Annual Savings and Stronger Plan Alignment"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_style=&#8221;page-hero&#8221; full_width=&#8221;stretch_row_content_no_spaces&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\" style=\"background: url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2026\/02\/AdobeStock_1657603653-scaled.jpeg) center center no-repeat; background-size: cover;\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100%  '>\n    <p class='text-white subheading'>Case Study<\/p>\n    <h1 class='text-white    '>\n      Comprehensive Market Review Drives 30% Annual Savings and Stronger Plan Alignment\n    <\/h1>\n\t\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;791&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-dark-blue    h2'>\n      The Request\n    <\/h2>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Plan benchmarking and financial review<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-1&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h4><strong>Company Profile<\/strong><\/h4>\n<p><strong>Industry:<\/strong> Museums and Art Galleries<br \/>\n<strong>Coverages:<\/strong> Life, Disability, Dental, Supplemental Health<br \/>\n<strong>Covered Lives:<\/strong> &lt;500<\/p>\n<p>The customer was preparing to remarket their benefits program and wanted to explore opportunities to expand their voluntary coverage offerings.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221; css=&#8221;.vc_custom_1638896243466{background-color: #eaeaec !important;}&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;794&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-dark-blue    h2'>\n      The Solution\n    <\/h2>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Highlighted strategic cost-saving opportunities and targeted benefit enhancements<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-1&#8243; full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1638896256859{background-color: #eaeaec !important;}&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]The Brown &amp; Brown Non-Medical General Agency (NMGA) team performed a comprehensive benchmarking and financial review to identify cost-containment strategies and opportunities to strengthen plan design. This in-depth analysis resulted in customized recommendations aimed at improving financial efficiency while enhancing employee benefit offerings.<\/p>\n<p><strong>Key Recommendations:<\/strong><\/p>\n<ul>\n<li>Adjust reduction schedules on Life coverages to support cost-containment<\/li>\n<li>Add AD&amp;D frill benefits, such as Parental Care and Therapeutic Counseling<\/li>\n<li>Recommend a modified open enrollment for Voluntary Life, noting that 73% of employees currently have coverage below the $100k guaranteed issue<\/li>\n<li>Increase spouse Voluntary Life guaranteed issue (GI) to $50k<\/li>\n<li>Restructure LTD class benefits to better align with risk and coverage needs<\/li>\n<li>Evaluate Dental plan changes, including adding Orthodontia and extending the Prosthesis replacement timeframe<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.strategicnonmedicalsolutions.com\/hubfs\/Financial%20Review%20-%20Company%20A.pdf\" target=\"_blank\" rel=\"noopener\">View Sample Financial Review<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-2&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;bottom&#8221;][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;792&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;3\/4&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-brand-dark-blue    h2'>\n      The Results\n    <\/h2>\n\t\n  <\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Delivered employer savings and meaningful plan improvements<\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-2&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]The NMGA team\u2019s evaluation guided a strategic market approach that yielded tangible financial and plan design improvements.<\/p>\n<ul>\n<li><strong>Full market RFP completed<\/strong>, resulting in a <strong>carrier change for Life and Disability<\/strong> and generating <strong>30% annual employer savings<\/strong>, while also adding Supplemental Health products to broaden the overall offering<\/li>\n<li><strong>Plan Enhancements Implemented:<\/strong>\n<ul>\n<li>Added age-based reductions to Basic and Voluntary Life<\/li>\n<li>Implemented AD&amp;D benefits with no rate change<\/li>\n<li>Increased employee Voluntary Life GI from $100k to $200k<\/li>\n<li>Achieved a <strong>30% increase in Voluntary Life enrollment<\/strong> and <strong>188% increase in Voluntary Life premium<\/strong><\/li>\n<li>Updated LTD plan to a single class with a higher maximum benefit and a limited own-occupation period to better match cost-of-living needs in the region<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;1423&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; css=&#8221;&#8221; link=&#8221;https:\/\/www.bbrown.com\/wp-content\/uploads\/2026\/02\/Case-Study-\u2013-Comprehensive-Market-Review-Drives-30-Percent-Annual-Savings-and-Stronger-Plan-Alignment-\u2013-NMGA.pdf&#8221;][\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100% content-heading--ruled '>\n    <p class='text-brand-blue subheading'>Ready to help minimize your risk and uncertainty?<\/p>\n    <h2 class='text-brand-dark-blue   text-bold h2'>\n      Contact us for more information.\n    <\/h2>\n\t\n  <\/div>\t<div class='wpb_content_element text-left btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='\/us\/contact' target='' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Contact Us<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<span style=\"font-weight: bold; font-style: italic; font-size: 10.0pt; background: white;\">DISCLAIMER:<\/span><span style=\"font-style: italic; font-size: 11.0pt; background: white;\">\u00a0<\/span><span style=\"font-style: italic; font-size: 9.0pt; background: white;\">Brown &amp; Brown, Inc. and all its affiliates, do not provide legal, regulatory or tax guidance, or advice. If legal advice counsel or representation is needed, the services of a legal professional should be sought. The information in this document is intended to provide a general overview of the topics and services contained herein. Brown &amp; Brown, Inc. and all its affiliates, make no representation or warranty as to the accuracy or completeness of the document and undertakes no obligation to update or revise the document based upon new information or future changes.<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>See how Brown &#038; Brown delivered employer savings and meaningful plan improvements for a customer that was preparing to remarket their benefits program.<\/p>\n","protected":false},"author":66,"featured_media":37037,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"service":[10],"industry":[163],"location":[17],"class_list":["post-37036","case_study","type-case_study","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comprehensive Market Review Drives 30% Annual Savings and Stronger Plan Alignment - Brown &amp; Brown<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprehensive Market Review Drives 30% Annual Savings and Stronger Plan Alignment\" \/>\n<meta property=\"og:description\" content=\"See how Brown &amp; Brown delivered employer savings and meaningful plan improvements for a customer that was preparing to remarket their benefits program.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown &amp; Brown\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2026\/02\/AdobeStock_1657603653-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/\",\"url\":\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/\",\"name\":\"Comprehensive Market Review Drives 30% Annual Savings and Stronger Plan Alignment - Brown &amp; Brown\",\"isPartOf\":{\"@id\":\"https:\/\/www.bbrown.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2026\/02\/AdobeStock_1657603653-scaled.jpeg\",\"datePublished\":\"2026-02-13T15:57:36+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/#breadcrumb\"},\"inLanguage\":\"en-ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-ca\",\"@id\":\"https:\/\/www.bbrown.com\/ca\/case-study\/comprehensive-market-review\/#primaryimage\",\"url\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2026\/02\/AdobeStock_1657603653-scaled.jpeg\",\"contentUrl\":\"https:\/\/www.bbrown.com\/wp-content\/uploads\/2026\/02\/AdobeStock_1657603653-scaled.jpeg\",\"width\":2560,\"height\":1350,\"caption\":\"Accounting, collaboration and laptop with business people in office for feedback or review. 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