Confidential · November 6, 2026

Union Family Dental Associates · Quick overview, updated

Your comparison, with LBMC’s new numbers

Molly’s November 5 sheet, same layout. LBMC re-priced your group about 7% lower, and its fee is $98 a person, billed only for the months each person is paid. Take people off the plan, change their months, or add someone, and every number updates.

Prepared for Union Family Dental Associates by Beverly Griffin and Caleb Sherrill, Contemporary Benefits Advisors.

Net savings, first year

LBMC as quotedPlans 4 and 3

$3,188

LBMC Plan 5Lowest cost

$14,090

On the November 5 sheet, LBMC cost about $1,700 more.

Quick overview

LBMC vs. Blue Cross renewal, for the people on the plan

LBMC option

Paid every month

20 people

2 fill-ins, months each works

2 months

$
Person Months on the plan LBMCA month Blue CrossA month, current plans DifferenceA month DifferenceFirst year
Swipe the table sideways to see every column →
Add to the plan:
Premium savingsTotal from the table
LBMC’s fee
QuickBooks payroll you’d stop payingAbout $225 a month+$2,700
ImplementationOne time−$500
UnemploymentYou’re at 0.06%; LBMC’s rate is still to comeWaiting on LBMC
Net savings, first year

  • Taking someone off: set their months to “Off the plan.” For Medicare in February, leave 1 month.
  • Adding someone: enter their age and coverage. Blue Cross prices each person by age; LBMC charges one rate for each coverage level. Spouse and children are paid by the employee.
  • LBMC bills only for months someone is paid. 20 are paid every month: 14 full-time, 4 part-time, Dr. Gickling’s small W-2 and Meredith’s replacement. The 2 fill-ins count only in months they work; they’ve worked about 9 hours each so far this year. Adding someone to the plan above doesn’t change these counts; use + only for a new hire.
  • LBMC’s plans are better: out-of-network care is covered, and Plan 4 has a $5,500 deductible and 20% coinsurance vs. $6,000 and 30% on Atrium.
  • The Ruoccos pay their own COBRA and plan to leave January 1, so they’re not counted.

Questions before the partners meet? Call either of us.

We’ll send LBMC’s unemployment rate as soon as we have it.

Beverly GriffinPhone(704) 218-2899Emailbeverly@c-ben.com
Caleb Sherrill, PEO optionsPhone704-787-1261