Tools & Calculators

Free tools to make smarter benefits decisions

Every tool below is free, instant, and built on numbers you already have. Model a renewal, total your true cost, pressure-test a contribution strategy, or check compliance — then bring the results to your FBP advisor to turn insight into action.

Free Benchmark

See how your benefits, contributions, and costs stack up against similar Florida employers — the fastest way to know where you stand.

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Renewal Impact Modeler

Turn your renewal percentage into real annual dollars, then test how much of the increase you could offset with plan design, market shopping, and strategy.

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Total Cost of Benefits Calculator

Roll medical, dental, vision, life, disability, voluntary, admin, and compliance into one all-in per-employee number — and see where every dollar goes.

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Contribution Strategy Modeler

Compare percent-of-premium, flat-dollar, and tiered approaches side by side — with employer cost, employee cost by tier, and an affordability flag.

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ACA Affordability Check

Test your lowest-cost plan against the ACA employer mandate using the Rate-of-Pay, W-2, and Federal Poverty Line safe harbors.

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HSA vs. FSA Calculator

Compare the tax savings and trade-offs of a Health Savings Account against a Flexible Spending Account, side by side.

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Self-Funding Calculator

Model how a self-funded plan could compare to your fully-insured premium next year, driven by numbers you actually know.

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Ready to turn the numbers into a plan?

These tools give you the picture. An FBP advisor helps you act on it — with strategy, carrier relationships, and advocacy your team can count on all year.

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