Compare & decide
Bids that refuse to line up, made comparable
One bid is per head, one is a percentage, and the plans underneath differ. Here is the method for an apples-to-apples read.
The method
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Normalize the fee
Convert every bid to annual dollars on your actual payroll and headcount.
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Line up the benefits
Compare the actual plan summaries, not the carrier names.
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Run the tax math
Run each bid through the calculator so the tax side is computed identically.
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Read the exit terms
Notice periods and transition costs are part of the price.
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Compare service depth
Named HR contact or call center? Ask specifically.
The trap in every comparison
The cheapest fee is frequently attached to the thinnest service or the weakest plans. A bid can win the fee line and lose the total. Compare totals, and compare what you are actually getting for them.
Run your bids now
Same inputs, same math, every bid. The difference you see is real.