Cost Structure Analysis

Cost Structure Analysis is a study of unit costs in the Group Life and Health industry.

This product provides group carriers with inter-company comparisons of operating expenses recognizing the variations associated with different client segments.

The results are presented in two ways, each providing different insights into competitive position.

• Unit Expense Factors compare expenses on the basis of specific services delivered to clients such as a claim settlement.
• Expense Ratios compare expenses as a percent of premium.

All Factors and Ratios are available with and without Systems and Corporate Overhead.

Additional tables explore:

• Systems versus people expenses
• Routine LTD claim administration versus investigation, rehab and litigation
• Call centre costs.

The standard deliverables include:

• Working papers (Excel worksheets) showing the technical development of your own unit costs
• Draft tables for review and sign off
• Final written report
• Electronic version of the Report
• Additional electronic only tables
• A presentation in your office.

The full report is only available to participating companies but non confidential information from the database may be available for use in proprietary consulting assignments.