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This client was originally on a level-funded plan supported by a fully insured insurance company, facing a standard renewal amounting to $473,800 in 2023. With the transition to a partially self-funded plan, they left behind an $80,000 surplus (of which the insurance company kept 50%) to achieve transparent, predictable plans. This transition generated a 23.88% reduction in 2024 and a 37.71% reduction in 2025, totaling $332,730 in savings without reducing coverage or shifting costs to employees.