{"id":2124,"date":"2026-05-31T23:41:51","date_gmt":"2026-06-01T06:41:51","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=2124"},"modified":"2026-06-01T00:10:33","modified_gmt":"2026-06-01T07:10:33","slug":"benefits-pricing","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2026\/05\/31\/benefits-pricing\/","title":{"rendered":"Benefits Pricing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2124\" class=\"elementor elementor-2124\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-875742a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"875742a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c852244\" data-id=\"c852244\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3279caa elementor-widget elementor-widget-html\" data-id=\"3279caa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style id=\"immix-true-temporary-savings-css\">\n\/* =========================================================\n   Immix Group Article CSS v4\n   Article: True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\n   Purpose: Premium Immix editorial article styling for the locked HTML build\n   Scope: .immix-article--true-temporary-savings\n========================================================= *\/\n\n\/* ---------------------------------------------------------\n   Article system tokens\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings {\n  --immix-ink: #12212b;\n  --immix-body: #2f3f4b;\n  --immix-muted: #647684;\n  --immix-subtle: #7c8c98;\n\n  --immix-navy: #12345d;\n  --immix-navy-deep: #092a50;\n  --immix-blue: #173f70;\n  --immix-teal: #0f5e77;\n  --immix-teal-dark: #0a4b5f;\n  --immix-green: #69a63d;\n  --immix-green-dark: #4f842e;\n\n  --immix-soft-blue: #eef7fb;\n  --immix-soft-green: #f1f8ee;\n  --immix-paper: #ffffff;\n  --immix-page: #f6fbfd;\n  --immix-wash: #f7faf5;\n\n  --immix-line: #d9e5ec;\n  --immix-line-strong: #c5d5df;\n\n  --immix-warning-bg: #fff9e8;\n  --immix-warning-line: #f0d58d;\n  --immix-warning-ink: #5b4510;\n\n  --immix-shadow-soft: 0 18px 42px rgba(13, 48, 68, 0.08);\n  --immix-shadow-card: 0 14px 30px rgba(13, 48, 68, 0.07);\n  --immix-shadow-lift: 0 24px 56px rgba(13, 48, 68, 0.12);\n  --immix-shadow-hero: 0 34px 82px rgba(9, 42, 80, 0.13);\n\n  --immix-radius-xl: 30px;\n  --immix-radius-lg: 24px;\n  --immix-radius-md: 18px;\n  --immix-radius-sm: 12px;\n\n  --immix-content-width: 780px;\n  --immix-wide-width: 980px;\n  --immix-transition: 220ms ease;\n\n  color: var(--immix-body) !important;\n  background:\n    radial-gradient(circle at top left, rgba(105, 166, 61, 0.075) 0%, rgba(105, 166, 61, 0) 34%),\n    radial-gradient(circle at 92% 8%, rgba(18, 52, 93, 0.06) 0%, rgba(18, 52, 93, 0) 32%),\n    linear-gradient(180deg, #f7fbfd 0%, #ffffff 280px) !important;\n  font-family: \"Inter\", \"Helvetica Neue\", Arial, sans-serif;\n  font-size: 18px;\n  line-height: 1.76;\n  overflow-wrap: anywhere;\n  text-rendering: 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linear-gradient(\n    90deg,\n    rgba(15, 94, 119, 0),\n    rgba(18, 52, 93, 0.35),\n    rgba(105, 166, 61, 0.42),\n    rgba(15, 94, 119, 0)\n  );\n}\n\n.immix-article--true-temporary-savings .immix-article__header > * {\n  width: min(var(--immix-content-width), calc(100% - 40px));\n  max-width: var(--immix-content-width);\n  margin-left: auto;\n  margin-right: auto;\n}\n\n.immix-article--true-temporary-savings .immix-article__eyebrow,\n.immix-article--true-temporary-savings .immix-article__date {\n  display: inline-flex;\n  align-items: center;\n  width: fit-content;\n  border-radius: 999px;\n  font-size: 11px;\n  font-weight: 850;\n  line-height: 1;\n  letter-spacing: 0.11em;\n  text-transform: uppercase;\n}\n\n.immix-article--true-temporary-savings .immix-article__eyebrow {\n  margin: 0 0 14px;\n  padding: 8px 13px;\n  background: rgba(105, 166, 61, 0.14) !important;\n  color: var(--immix-green-dark) !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__date {\n  margin: 0 0 20px;\n  padding: 8px 13px;\n  background: rgba(18, 52, 93, 0.08) !important;\n  color: var(--immix-navy) !important;\n}\n\n.immix-article--true-temporary-savings h1 {\n  margin: 0;\n  color: var(--immix-navy) !important;\n  font-family: \"Noto Serif\", Georgia, serif !important;\n  font-size: clamp(2.45rem, 5.4vw, 4.45rem);\n  line-height: 0.98;\n  letter-spacing: -0.055em;\n  font-weight: 700;\n  text-wrap: balance;\n}\n\n.immix-article--true-temporary-savings .immix-article__byline {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 18px 30px;\n  align-items: center;\n  margin-top: 30px;\n  padding-top: 22px;\n  border-top: 1px solid rgba(197, 213, 223, 0.9);\n}\n\n.immix-article--true-temporary-savings .immix-article__byline p {\n  margin: 0;\n  color: var(--immix-muted) !important;\n  font-size: 0.98rem;\n  line-height: 1.45;\n}\n\n.immix-article--true-temporary-savings .immix-article__byline a {\n  color: var(--immix-teal-dark) !important;\n  font-weight: 800;\n  text-decoration: none;\n  border-bottom: 1px solid rgba(15, 94, 119, 0.28);\n}\n\n.immix-article--true-temporary-savings .immix-article__byline a:hover,\n.immix-article--true-temporary-savings .immix-article__byline a:focus {\n  color: var(--immix-green-dark) !important;\n  border-bottom-color: rgba(105, 166, 61, 0.55);\n}\n\n.immix-article--true-temporary-savings .immix-article__byline span {\n  display: inline-block;\n  margin-left: 8px;\n  color: var(--immix-muted) !important;\n  font-weight: 650;\n}\n\n\/* ---------------------------------------------------------\n   Content rhythm\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__section,\n.immix-article--true-temporary-savings .immix-article__offset-box {\n  width: min(var(--immix-content-width), calc(100% - 40px));\n  max-width: var(--immix-content-width);\n  margin-left: auto;\n  margin-right: auto;\n}\n\n.immix-article--true-temporary-savings .immix-article__section {\n  margin-top: 0;\n  margin-bottom: 46px;\n}\n\n.immix-article--true-temporary-savings .immix-article__section:first-of-type {\n  margin-top: 46px;\n}\n\n.immix-article--true-temporary-savings .immix-article__section h2,\n.immix-article--true-temporary-savings .immix-article__offset-box h2 {\n  margin: 0 0 17px;\n  color: var(--immix-ink) !important;\n  font-size: clamp(1.48rem, 2.25vw, 2.08rem);\n  line-height: 1.18;\n  letter-spacing: -0.025em;\n  font-weight: 850;\n  text-wrap: balance;\n}\n\n.immix-article--true-temporary-savings .immix-article__section h3 {\n  margin: 0 0 9px;\n  color: var(--immix-ink) !important;\n  font-size: 1.12rem;\n  line-height: 1.35;\n  font-weight: 780;\n}\n\n.immix-article--true-temporary-savings p {\n  margin: 0 0 18px;\n}\n\n.immix-article--true-temporary-savings p:last-child,\n.immix-article--true-temporary-savings ul:last-child {\n  margin-bottom: 0;\n}\n\n\/* ---------------------------------------------------------\n   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0.13);\n  color: var(--immix-green-dark);\n  font-size: 11px;\n  font-weight: 850;\n  line-height: 1;\n  letter-spacing: 0.11em;\n  text-transform: uppercase;\n}\n\n.immix-article--true-temporary-savings .immix-article__offset-box::after {\n  content: \"\";\n  position: absolute;\n  inset: 0 auto 0 0;\n  width: 6px;\n  background: linear-gradient(\n    180deg,\n    var(--immix-navy) 0%,\n    var(--immix-teal) 48%,\n    var(--immix-green) 100%\n  );\n}\n\n.immix-article--true-temporary-savings .immix-article__offset-box h2 {\n  max-width: 680px;\n}\n\n.immix-article--true-temporary-savings .immix-article__offset-box p {\n  margin: 0 0 16px;\n  color: #213747 !important;\n  font-size: 1.01rem;\n  line-height: 1.74;\n}\n\n.immix-article--true-temporary-savings .immix-article__offset-box p:last-child {\n  margin-top: 22px;\n  padding: 16px 17px;\n  border: 1px solid rgba(15, 94, 119, 0.12);\n  border-radius: var(--immix-radius-md);\n  background: rgba(15, 94, 119, 0.07);\n  color: var(--immix-teal-dark) !important;\n  font-weight: 720;\n}\n\n\/* ---------------------------------------------------------\n   Lists\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__list {\n  margin: 18px 0 22px;\n  padding: 0;\n  list-style: none;\n}\n\n.immix-article--true-temporary-savings .immix-article__list li {\n  position: relative;\n  margin: 0 0 14px;\n  padding-left: 34px;\n}\n\n.immix-article--true-temporary-savings .immix-article__list li:last-child {\n  margin-bottom: 0;\n}\n\n.immix-article--true-temporary-savings .immix-article__list li::before {\n  content: \"\";\n  position: absolute;\n  top: 0.78em;\n  left: 1px;\n  width: 14px;\n  height: 14px;\n  border-radius: 50%;\n  background: linear-gradient(180deg, var(--immix-green) 0%, var(--immix-green-dark) 100%);\n  box-shadow: 0 0 0 5px rgba(105, 166, 61, 0.12);\n  transform: translateY(-50%);\n}\n\n.immix-article--true-temporary-savings .immix-article__list li::after {\n  content: \"\";\n  position: absolute;\n  top: 0.78em;\n  left: 6px;\n  width: 4px;\n  height: 7px;\n  border-right: 2px solid #ffffff;\n  border-bottom: 2px solid #ffffff;\n  transform: translateY(-58%) rotate(42deg);\n}\n\n\/* ---------------------------------------------------------\n   Premium section cards\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__section--premium-warning,\n.immix-article--true-temporary-savings .immix-article__section--discount-source,\n.immix-article--true-temporary-savings .immix-article__section--quoted-rates,\n.immix-article--true-temporary-savings .immix-article__section--switching-mistakes,\n.immix-article--true-temporary-savings .immix-article__section--advisor-role,\n.immix-article--true-temporary-savings .immix-article__section--key-takeaways,\n.immix-article--true-temporary-savings .immix-article__section--cta,\n.immix-article--true-temporary-savings .immix-article__section--faq,\n.immix-article--true-temporary-savings .immix-article__section--read-more {\n  padding: clamp(24px, 3.5vw, 32px);\n  border: 1px solid var(--immix-line);\n  border-radius: var(--immix-radius-lg);\n  box-shadow: var(--immix-shadow-card);\n}\n\n.immix-article--true-temporary-savings .immix-article__section--premium-warning {\n  background:\n    radial-gradient(circle at top right, rgba(18, 52, 93, 0.08) 0%, rgba(18, 52, 93, 0) 36%),\n    linear-gradient(180deg, #ffffff 0%, #f7fbfd 100%) !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__section--discount-source,\n.immix-article--true-temporary-savings .immix-article__section--quoted-rates,\n.immix-article--true-temporary-savings .immix-article__section--switching-mistakes,\n.immix-article--true-temporary-savings .immix-article__section--advisor-role {\n  background:\n    radial-gradient(circle at top left, rgba(105, 166, 61, 0.10) 0%, rgba(105, 166, 61, 0) 38%),\n    linear-gradient(180deg, #ffffff 0%, #fbfdf8 100%) !important;\n  border-color: rgba(105, 166, 61, 0.20);\n}\n\n.immix-article--true-temporary-savings .immix-article__section--key-takeaways {\n  position: relative;\n  overflow: hidden;\n  background:\n    radial-gradient(circle at top right, rgba(105, 166, 61, 0.18) 0%, rgba(105, 166, 61, 0) 38%),\n    radial-gradient(circle at bottom left, rgba(18, 52, 93, 0.10) 0%, rgba(18, 52, 93, 0) 34%),\n    linear-gradient(180deg, #ffffff 0%, #f3faf1 100%) !important;\n  border-color: rgba(105, 166, 61, 0.28) !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__section--key-takeaways::before {\n  content: \"\";\n  position: absolute;\n  inset: 0 auto 0 0;\n  width: 7px;\n  background: linear-gradient(\n    180deg,\n    var(--immix-navy) 0%,\n    var(--immix-teal) 46%,\n    var(--immix-green) 100%\n  );\n}\n\n.immix-article--true-temporary-savings .immix-article__section--key-takeaways::after {\n  content: \"Employer guidance\";\n  display: inline-flex;\n  align-items: center;\n  width: fit-content;\n  margin: 0 0 14px;\n  padding: 7px 12px;\n  border-radius: 999px;\n  background: rgba(105, 166, 61, 0.13);\n  color: var(--immix-green-dark);\n  font-size: 11px;\n  font-weight: 850;\n  line-height: 1;\n  letter-spacing: 0.11em;\n  text-transform: uppercase;\n}\n\n\/* ---------------------------------------------------------\n   Temporary vs sustainable savings comparison\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__comparison-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 18px;\n  margin: 24px 0 26px;\n}\n\n.immix-article--true-temporary-savings .immix-article__comparison-card {\n  position: relative;\n  overflow: hidden;\n  padding: 22px 22px 24px;\n  border-radius: var(--immix-radius-lg);\n  border: 1px solid var(--immix-line);\n  box-shadow: 0 12px 26px rgba(13, 48, 68, 0.055);\n}\n\n.immix-article--true-temporary-savings .immix-article__comparison-card--temporary {\n  background:\n    radial-gradient(circle at top right, rgba(240, 213, 141, 0.18), transparent 36%),\n    linear-gradient(180deg, #ffffff 0%, #fffaf0 100%) !important;\n  border-color: rgba(240, 213, 141, 0.72);\n}\n\n.immix-article--true-temporary-savings .immix-article__comparison-card--sustainable {\n  background:\n    radial-gradient(circle at top right, rgba(105, 166, 61, 0.16), transparent 36%),\n    linear-gradient(180deg, #ffffff 0%, #f3faf1 100%) !important;\n  border-color: rgba(105, 166, 61, 0.24);\n}\n\n.immix-article--true-temporary-savings .immix-article__comparison-card h3 {\n  margin-bottom: 14px;\n  font-size: 1.08rem;\n  line-height: 1.28;\n}\n\n.immix-article--true-temporary-savings .immix-article__comparison-card .immix-article__list {\n  margin-bottom: 0;\n}\n\n\/* ---------------------------------------------------------\n   CTA placeholder section\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__section--cta {\n  position: relative !important;\n  overflow: hidden !important;\n  margin-top: 58px !important;\n  margin-bottom: 58px !important;\n  padding: clamp(26px, 3.5vw, 34px) !important;\n  background:\n    radial-gradient(circle at top right, rgba(105, 166, 61, 0.10) 0%, rgba(105, 166, 61, 0) 36%),\n    radial-gradient(circle at bottom left, rgba(18, 52, 93, 0.08) 0%, rgba(18, 52, 93, 0) 34%),\n    linear-gradient(180deg, #ffffff 0%, #fbfdf8 100%) !important;\n  border-color: rgba(197, 213, 223, 0.95) !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__section--cta::before {\n  content: \"\";\n  position: absolute;\n  inset: 0 auto 0 0;\n  width: 7px;\n  background: linear-gradient(\n    180deg,\n    var(--immix-navy) 0%,\n    var(--immix-teal) 48%,\n    var(--immix-green) 100%\n  ) !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__section--cta h2 {\n  margin: 0 !important;\n  color: var(--immix-green-dark) !important;\n  font-size: 0.88rem !important;\n  line-height: 1 !important;\n  letter-spacing: 0.11em !important;\n  text-transform: uppercase !important;\n}\n\n\/* ---------------------------------------------------------\n   FAQ\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__section--faq {\n  margin-top: 54px;\n  background:\n    linear-gradient(180deg, #ffffff 0%, #fbfdff 100%) !important;\n}\n\n.immix-article--true-temporary-savings .immix-faq-list {\n  display: block;\n}\n\n.immix-article--true-temporary-savings .immix-faq-item {\n  padding: 19px 0;\n  border-top: 1px solid #e7eef3;\n}\n\n.immix-article--true-temporary-savings .immix-faq-item:first-child {\n  padding-top: 0;\n  border-top: 0;\n}\n\n.immix-article--true-temporary-savings .immix-faq-item:last-child {\n  padding-bottom: 0;\n}\n\n.immix-article--true-temporary-savings .immix-faq-item h3 {\n  margin: 0 0 8px;\n  color: var(--immix-ink) !important;\n  font-size: 1.12rem;\n  line-height: 1.35;\n  font-weight: 780;\n}\n\n.immix-article--true-temporary-savings .immix-faq-item p {\n  margin: 0;\n  color: #435766 !important;\n  font-size: 0.99rem;\n  line-height: 1.68;\n}\n\n\/* ---------------------------------------------------------\n   Read More\n--------------------------------------------------------- *\/\n\n.immix-article--true-temporary-savings .immix-article__section--read-more {\n  margin-top: 54px;\n  background:\n    linear-gradient(180deg, #ffffff 0%, #fbfdff 100%) !important;\n}\n\n.immix-article--true-temporary-savings .immix-read-more-list {\n  display: grid;\n  grid-template-columns: 1fr;\n  gap: 16px;\n  margin: 18px 0 0;\n  padding: 0;\n  list-style: 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Looking Beyond the Bottom Line in Benefits Pricing\n  HTML-only build. CSS intentionally excluded for the next pass.\n-->\n\n<article\n  class=\"immix-article immix-article--true-temporary-savings\"\n  itemscope\n  itemtype=\"https:\/\/schema.org\/BlogPosting\"\n  data-scrollmeta-version=\"6.0\"\n  data-scrollmeta-article-slug=\"true-or-temporary-savings-benefits-pricing\"\n  data-scrollmeta-page-type=\"BenefitsPricingInsight\"\n  data-scrollmeta-primary-entity=\"Immix Group\"\n  data-scrollmeta-author=\"Lindsay Byrka\"\n  data-scrollmeta-author-role=\"Vice President\"\n  data-scrollmeta-author-credentials=\"B.A., B.Ed, CFP\u00ae\"\n  data-scrollmeta-audience=\"Canadian small and mid-sized employers, HR leaders, finance leaders, operations decision-makers\"\n  data-scrollmeta-primary-intent=\"Explain how employers should evaluate apparent benefits plan savings beyond the total premium.\"\n>\n  <meta itemprop=\"headline\" content=\"True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\" \/>\n  <meta itemprop=\"author\" content=\"Lindsay Byrka\" \/>\n  <meta itemprop=\"publisher\" content=\"Immix Group\" \/>\n  <meta itemprop=\"about\" content=\"Employee benefits pricing, benefits plan renewals, carrier quotes, temporary discounts, sustainable savings, advisor due diligence\" \/>\n  <meta itemprop=\"inLanguage\" content=\"en-CA\" \/>\n\n  <script type=\"application\/json\" id=\"immix-scrollmeta-true-temporary-savings-v6\">\n  {\n    \"scrollmetaVersion\": \"6.0\",\n    \"contentBlock\": \"true-or-temporary-savings-benefits-pricing\",\n    \"brand\": \"Immix Group\",\n    \"articleTitle\": \"True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\",\n    \"articleMonth\": \"June 2026\",\n    \"author\": {\n      \"name\": \"Lindsay Byrka\",\n      \"credentials\": \"B.A., B.Ed, CFP\u00ae\",\n      \"role\": \"Vice President\",\n      \"sameAs\": \"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"\n    },\n    \"contentOrderLocked\": true,\n    \"visibleTextPreserved\": true,\n    \"primaryIntent\": \"Help Canadian employers understand whether lower benefits pricing reflects real long-term value, temporary discounting, changed assumptions, carrier differences, advisor arrangements, or plan design trade-offs.\",\n    \"primaryAudience\": [\n      \"Canadian small and mid-sized employers\",\n      \"business owners\",\n      \"HR leaders\",\n      \"finance leaders\",\n      \"operations leaders\",\n      \"employers reviewing benefits renewals\",\n      \"employers comparing benefits quotes\"\n    ],\n    \"readerQuestionsAnswered\": [\n      \"Why are benefit quotes sometimes much lower?\",\n      \"Does a lower premium always mean better value?\",\n      \"Will the savings last over time?\",\n      \"What should we look at besides price?\",\n      \"How do we know if the pricing is reasonable?\",\n      \"Where do benefits plan discounts come from?\",\n      \"When does taking a discount make sense?\",\n      \"What mistakes do SMB employers make when switching providers?\"\n    ],\n    \"coreTopics\": [\n      \"total premium review\",\n      \"benefits plan renewal pricing\",\n      \"carrier discounts\",\n      \"target loss ratio\",\n      \"credibility\",\n      \"carrier differences\",\n      \"advisor arrangements\",\n      \"temporary savings\",\n      \"sustainable savings\",\n      \"ASO funding structures\",\n      \"advisor due diligence\",\n      \"employee experience\",\n      \"plan administration\"\n    ],\n    \"conversionSignals\": [\n      \"benefits plan review\",\n      \"renewal pricing review\",\n      \"second opinion on benefits 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\"why-price-is-dominating-the-conversation\",\n        \"role\": \"market-context-and-reader-problem\",\n        \"summary\": \"Explains why cost pressure and renewal pricing are driving employer decisions.\"\n      },\n      {\n        \"id\": \"reviewing-total-premium-alone-is-not-enough\",\n        \"role\": \"decision-risk-warning\",\n        \"summary\": \"Explains why a lower total premium can leave important questions unanswered.\"\n      },\n      {\n        \"id\": \"where-is-the-discount-coming-from\",\n        \"role\": \"quote-due-diligence-checklist\",\n        \"summary\": \"Explains what employers and advisors should review when a quote is lower.\"\n      },\n      {\n        \"id\": \"looking-beyond-the-quoted-rates\",\n        \"role\": \"pricing-mechanism-explanation\",\n        \"summary\": \"Explains discounting, target loss ratio, credibility, carrier differences, and advisor arrangements.\"\n      },\n      {\n        \"id\": \"not-all-savings-work-the-same-way\",\n        \"role\": \"temporary-versus-sustainable-savings-comparison\",\n        \"summary\": \"Distinguishes temporary savings from more sustainable savings.\"\n      },\n      {\n        \"id\": \"when-does-taking-a-discount-make-sense\",\n        \"role\": \"strategic-decision-guidance\",\n        \"summary\": \"Explains when short-term pricing may still make sense if understood and planned for.\"\n      },\n      {\n        \"id\": \"common-mistakes-when-switching-providers\",\n        \"role\": \"mistake-prevention\",\n        \"summary\": \"Lists common SMB mistakes when reviewing competing benefits pricing.\"\n      },\n      {\n        \"id\": \"beyond-price-other-factors-that-matter\",\n        \"role\": \"broader-value-frame\",\n        \"summary\": \"Explains service, technology, administration, coverage, and advisor support factors.\"\n      },\n      {\n        \"id\": \"advisor-change-due-diligence\",\n        \"role\": \"advisor-relationship-warning\",\n        \"summary\": \"Explains why changing the advisor deserves its own due diligence.\"\n      },\n      {\n        \"id\": \"bottom-line-role-of-an-advisor\",\n        \"role\": \"advisor-value-and-decision-summary\",\n        \"summary\": \"Explains what a knowledgeable advisor should do when reviewing lower pricing.\"\n      },\n      {\n        \"id\": \"client-story\",\n        \"role\": \"offset-case-study-and-risk-example\",\n        \"summary\": \"Shows how apparent savings can create disruption when coverage details and renewal implications are not fully examined.\"\n      },\n      {\n        \"id\": \"key-takeaways\",\n        \"role\": \"summary-and-answer-extraction\",\n        \"summary\": \"Summarizes the article\u2019s practical decision points.\"\n      },\n      {\n        \"id\": \"faq\",\n        \"role\": \"faq-answer-engine-surface\",\n        \"summary\": \"Provides concise answers to common benefits pricing questions.\"\n      },\n      {\n        \"id\": \"read-more\",\n        \"role\": \"internal-resource-pathway\",\n        \"summary\": \"Routes readers to related Immix resources.\"\n      }\n    ],\n    \"provenance\": {\n      \"visibleCopyLockedByClient\": true,\n      \"htmlBuildPurpose\": \"Create a sophisticated semantic article structure with ScrollMeta, schema, offset story box, FAQ, and read-more pathways while preserving the supplied visible wording.\"\n    }\n  }\n  <\/script>\n\n  <script type=\"application\/ld+json\" id=\"immix-true-temporary-savings-article-schema\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"BlogPosting\",\n    \"@id\": \"https:\/\/www.immixgroup.ca\/blog\/2026\/06\/true-or-temporary-savings-benefits-pricing\/#article\",\n    \"mainEntityOfPage\": {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https:\/\/www.immixgroup.ca\/blog\/2026\/06\/true-or-temporary-savings-benefits-pricing\/\"\n    },\n    \"headline\": \"True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\",\n    \"description\": \"Immix Group explains how employers can look beyond total premium when reviewing benefits pricing, carrier quotes, temporary discounts, sustainable savings, plan design, service, and advisor due diligence.\",\n    \"inLanguage\": \"en-CA\",\n    \"author\": {\n      \"@type\": \"Person\",\n      \"name\": \"Lindsay Byrka\",\n      \"jobTitle\": \"Vice President\",\n      \"honorificSuffix\": \"B.A., B.Ed, CFP\u00ae\",\n      \"sameAs\": \"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"\n    },\n    \"publisher\": {\n      \"@type\": \"Organization\",\n      \"name\": \"Immix Group\",\n      \"url\": \"https:\/\/www.immixgroup.ca\/\"\n    },\n    \"about\": [\n      \"Employee benefits pricing\",\n      \"Benefits plan renewal\",\n      \"Carrier quote comparison\",\n      \"Temporary savings\",\n      \"Sustainable savings\",\n      \"Advisor due diligence\"\n    ],\n    \"isPartOf\": {\n      \"@type\": \"Blog\",\n      \"name\": \"Immix Group Insights\",\n      \"url\": \"https:\/\/www.immixgroup.ca\/blog\/\"\n    }\n  }\n  <\/script>\n\n  <script type=\"application\/ld+json\" id=\"immix-true-temporary-savings-faq-schema\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"@id\": \"https:\/\/www.immixgroup.ca\/blog\/2026\/06\/true-or-temporary-savings-benefits-pricing\/#faq\",\n    \"name\": \"FAQs\",\n    \"inLanguage\": \"en-CA\",\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Why are benefit quotes sometimes much lower?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Lower pricing can come from discounts, different assumptions, or changes in plan design or expenses.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Does a lower premium always mean better value?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"No. Lower cost may involve trade-offs in coverage, sustainability, or service.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Will the savings last over time?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Not always. Some savings are temporary and may adjust at future renewals.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What should we look at besides price?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Coverage details, claims experience, service quality, and administration tools all matter.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"How do we know if the pricing is reasonable?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Your advisor should clearly explain where the savings are coming from and whether they are likely to hold.\"\n        }\n      }\n    ]\n  }\n  <\/script>\n\n  <header\n    class=\"immix-article__header immix-article__header--true-temporary-savings\"\n    data-scrollmeta-section=\"article-header\"\n    data-scrollmeta-role=\"title-author-entity-signal\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-article-title=\"True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\"\n    data-scrollmeta-author=\"Lindsay Byrka\"\n    data-scrollmeta-author-role=\"Vice President\"\n    data-scrollmeta-author-credentials=\"B.A., B.Ed, CFP\u00ae\"\n  >\n    <p class=\"immix-article__eyebrow\">Immix Group Benefits Insight<\/p>\n\n    <p class=\"immix-article__date\">June 2026<\/p>\n\n    <h1>True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing<\/h1>\n\n    <div\n      class=\"immix-article__byline\"\n      data-scrollmeta-section=\"author-byline\"\n      data-scrollmeta-role=\"author-trust-signal\"\n      data-scrollmeta-author-link=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"\n    >\n      <p>\n        By\n        <a href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n          Lindsay Byrka\n        <\/a>\n        <span>B.A., B.Ed, CFP<sup>\u00ae<\/sup> | Vice President<\/span>\n      <\/p>\n    <\/div>\n  <\/header>\n\n  <aside\n    class=\"immix-article__offset-box immix-article__offset-box--case-study\"\n    id=\"client-story\"\n    aria-labelledby=\"client-story-heading\"\n    data-scrollmeta-section=\"client-story-offset-box\"\n    data-scrollmeta-role=\"reader-hook-and-risk-example\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"benefits pricing savings coverage disruption renewal increase\"\n    data-scrollmeta-conversion-role=\"benefits-plan-review-and-second-opinion\"\n  >\n    <h2 id=\"client-story-heading\">Client Story<\/h2>\n\n    <p>One company that now works with the Immix Group initially approached us at the first renewal of a plan. They had made the move the previous year, choosing a new benefits plan based on what looked like meaningful savings. The pricing came in well below their previous renewal, and on the surface, the plan appeared comparable.<\/p>\n\n    <p>Within a few months, issues started to surface. Employees began having drug claims denied, including for drugs that had previously been covered. It became clear the plan included a more restrictive formulary and other limitations that were not obvious in the initial quote. Even smaller out-of-pocket costs, such as drug dispensing fees, became a point of frustration for employees who had been told the coverage would be \u201cthe same.\u201d<\/p>\n\n    <p>What had initially been positioned as a simple cost saving no longer felt that way. At renewal, the situation escalated. The pricing increased significantly, ultimately coming in higher than the rates under the previous provider. The employer came to us at that point frustrated, having experienced a year of disruption and now facing a large increase.<\/p>\n\n    <p>They ultimately felt misled. In hindsight, they recognized the decision to move had been made too quickly, without fully digging into the details behind the pricing or how the coverage would work in practice. While they acknowledged they had not asked the right questions, our view was that their former advisor had not performed the level of due diligence required.<\/p>\n\n    <p>In this instance, we were able to adjust the coverage parameters, at an added cost, and the decision was made to market the program again on an apples-to-apples basis and take a more structured approach to managing the total cost.<\/p>\n  <\/aside>\n\n  <section\n    class=\"immix-article__section immix-article__section--pricing-context\"\n    id=\"why-price-is-dominating-the-conversation\"\n    aria-labelledby=\"why-price-heading\"\n    data-scrollmeta-section=\"why-price-is-dominating-the-conversation\"\n    data-scrollmeta-role=\"market-context-and-reader-problem\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-topic=\"cost pressure benefits plan pricing employer renewal review\"\n  >\n    <h2 id=\"why-price-heading\">Why Price Is Dominating the Conversation<\/h2>\n\n    <p>For many small and mid-sized businesses, cost pressure is real. Margins are tighter, operating costs continue to rise, and planning feels less certain than it has in years.<\/p>\n\n    <p>Benefits plans are often one of the larger expenses outside of payroll. While they are an important part of attracting and supporting employees, they are also a natural place for employers to look when reviewing costs.<\/p>\n\n    <p>As a result, more employers are reviewing their plans, asking for quotes, and taking a closer look at renewal pricing. This is something our advisors at Immix Group are helping our Client Community navigate regularly.<\/p>\n\n    <p>In many cases, the decision comes down to a single number: the total premium, or how much that number is increasing. A proposal showing meaningful savings can be compelling, but focusing on that number alone can leave important questions unanswered.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--premium-warning\"\n    id=\"reviewing-total-premium-alone-is-not-enough\"\n    aria-labelledby=\"total-premium-heading\"\n    data-scrollmeta-section=\"reviewing-total-premium-alone-is-not-enough\"\n    data-scrollmeta-role=\"decision-risk-warning\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-topic=\"total premium limitations employee benefits quote review\"\n  >\n    <h2 id=\"total-premium-heading\">Reviewing Total Premium Alone Is Not Enough<\/h2>\n\n    <p>For insured plans, it is common to see competing carriers present significantly lower rates. This can seem like a clear win. However, it is important to dig into the details to understand what has led to that result.<\/p>\n\n    <p>If the focus is only on reducing the monthly premium, employers risk making decisions that are short-term in nature or misaligned with longer-term goals. This is where a more detailed review becomes important.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--discount-source\"\n    id=\"where-is-the-discount-coming-from\"\n    aria-labelledby=\"discount-source-heading\"\n    data-scrollmeta-section=\"where-is-the-discount-coming-from\"\n    data-scrollmeta-role=\"quote-due-diligence-checklist\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-question=\"Where is the discount coming from in a benefits quote?\"\n    data-scrollmeta-topic=\"lower premium source plan design rates assumptions commissions claims\"\n  >\n    <h2 id=\"discount-source-heading\">So, Where Is the Discount Coming From?<\/h2>\n\n    <p>When it comes to traditional insured non-refund plans (the most common structure for SMEs), a lower proposed premium should prompt a closer look. It is important to work closely with your advisor to understand the source of the discount; the savings should be clear and explainable.<\/p>\n\n    <p>When reviewing a quote, it is important to examine:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--checklist\">\n      <li>whether the same plan design was quoted, and if not, what is different and why. Little things that don\u2019t seem like a big deal in the \u2018fine print\u2019 may actually have an impact on claims being paid or not.<\/li>\n      <li>the rates line by line. What part of the plan is driving the reduction, for example, lower dental premiums, lower LTD rates?<\/li>\n      <li>why those rates are lower, whether due to discounting, expense structure, commissions, or assumptions about future claims<\/li>\n    <\/ul>\n\n    <p>Your advisor should be able to clearly explain why one carrier is meaningfully lower than another for the same group and plan. Your advisor should be able to answer specific questions such as \u201cWhy is Manulife\u2019s LTD rate way lower than PBC\u2019s rate, if it\u2019s for the same group for the same proposed plan?\u201d  Or \u201cWhy are the health dental rates lower, when the claims history does not appear to support the proposed premiums?\u201d<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--quoted-rates\"\n    id=\"looking-beyond-the-quoted-rates\"\n    aria-labelledby=\"quoted-rates-heading\"\n    data-scrollmeta-section=\"looking-beyond-the-quoted-rates\"\n    data-scrollmeta-role=\"pricing-mechanism-explanation\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"discounting target loss ratio credibility carrier differences advisor arrangements\"\n  >\n    <h2 id=\"quoted-rates-heading\">Looking Beyond the Quoted Rates<\/h2>\n\n    <p>Beyond visible changes in rates or plan design, there are underlying pricing factors that also influence the cost. These are not always obvious in a quote, but they play a meaningful role in how premiums are set and how they change over time. These can differ between carriers or can be different depending on the relationship and arrangement the advisor has with the insurer.<\/p>\n\n    <p>Specifically, these are some reasons we would see lower pricing than current rates:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--pricing-factors\">\n      <li>Discounting-  this means the rates are purposefully below where the competing insurer knows they should be, for a sustainable plan. This could be reflected in any benefit line, but is most clear when proposed premiums for health and dental benefits are too low to support historical claiming levels.<\/li>\n      <li>Target Loss Ratio \u2013 this reflects the portion of premium available to pay claims after expenses, including commissions, carrier costs, and profit. It is typically shown as a percentage, with a higher ratio indicating more premium available for claims before reaching the break-even point. These ratios can vary between insurers.<\/li>\n      <li>Credibility- this is often overlooked, but becomes evident at renewal when low claims do not translate into lower pricing. In these cases, the group\u2019s experience only partially influences rates, with the balance driven by the insurer\u2019s broader manual rates. This can work for or against the employer. Smaller groups tend to have lower credibility, and credibility builds over time with the same insurer.<\/li>\n      <li>Carrier differences \u2013 as an example, we consistently see differences between carriers in their pooled rates with certain ones often having higher rates and others always being lower for the pooled lines. This is a reflection of many things, including market size and composition.<\/li>\n      <li>Advisor arrangements- there are legitimate instances where advisors have organized lower-cost pricing blocks with major providers. In fact, the Immix Group has very long-running large block arrangements that offer lower administrative costs to employer members.<\/li>\n    <\/ul>\n\n    <p>Long story short, basic due diligence on the part of the advisor and the employer is to examine proposals in detail and assess all the factors described above.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--savings-comparison\"\n    id=\"not-all-savings-work-the-same-way\"\n    aria-labelledby=\"savings-comparison-heading\"\n    data-scrollmeta-section=\"not-all-savings-work-the-same-way\"\n    data-scrollmeta-role=\"temporary-versus-sustainable-savings-comparison\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"temporary savings sustainable savings benefits pricing\"\n  >\n    <h2 id=\"savings-comparison-heading\">Not all Savings Work the Same Way<\/h2>\n\n    <p>Once the source of the savings is understood, the next question is whether those savings are likely to last. In some cases, it reflects a real structural advantage. In other cases, it reflects timing, temporary discounting, or pricing that may correct later.<\/p>\n\n    <div class=\"immix-article__comparison-grid\">\n      <section\n        class=\"immix-article__comparison-card immix-article__comparison-card--temporary\"\n        aria-labelledby=\"temporary-savings-heading\"\n        data-scrollmeta-section=\"temporary-savings\"\n        data-scrollmeta-role=\"pricing-risk-list\"\n      >\n        <h3 id=\"temporary-savings-heading\">Temporary Savings come in the form of:<\/h3>\n\n        <ul class=\"immix-article__list immix-article__list--temporary-savings\">\n          <li>rate guarantees<\/li>\n          <li>renewal rate caps<\/li>\n          <li>introductory pricing or virgin group pricing<\/li>\n          <li>marketing discounts used to win the business (<\/li>\n          <li>premiums that are obviously below claims levels for experience-rated benefits<\/li>\n        <\/ul>\n      <\/section>\n\n      <section\n        class=\"immix-article__comparison-card immix-article__comparison-card--sustainable\"\n        aria-labelledby=\"sustainable-savings-heading\"\n        data-scrollmeta-section=\"more-sustainable-savings\"\n        data-scrollmeta-role=\"pricing-quality-list\"\n      >\n        <h3 id=\"sustainable-savings-heading\">More Sustainable Savings are derived from:<\/h3>\n\n        <ul class=\"immix-article__list immix-article__list--sustainable-savings\">\n          <li>reduced administrative expenses or a higher Target Loss Ratio<\/li>\n          <li>plan design changes<\/li>\n          <li>reduced commissions for the advisor<\/li>\n          <li>a funding structure that is better suited to the group<\/li>\n        <\/ul>\n      <\/section>\n    <\/div>\n\n    <p>These types of reductions can be useful in the short term, but they are not usually built into the long-term cost structure of the plan. Other savings are more structural in nature, can be more transparent, and may be more stable over time.<\/p>\n\n    <p>While most SMB\u2019s operate using insured non-refund structures, for the right group, a change in funding structure such as moving to an ASO model for health and dental, can create longer-term administrative savings and a pricing structure that better reflects the actual experience of the group. ASO is not the right fit for every employer, but where appropriate, it can be a more sustainable source of savings. In the situation where a group is marketed that is under an ASO arrangement, a reduction in admin charges could be sustainable or offered as a tactic to win business.<\/p>\n\n    <p>So the real issue is not whether savings are \u201cgood\u201d or \u201cbad.\u201d It is whether they are understood, whether they fit the employer\u2019s goals, and whether there is a reasonable expectation as to whether they will hold up over time.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--discount-decision\"\n    id=\"when-does-taking-a-discount-make-sense\"\n    aria-labelledby=\"discount-decision-heading\"\n    data-scrollmeta-section=\"when-does-taking-a-discount-make-sense\"\n    data-scrollmeta-role=\"strategic-decision-guidance\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-topic=\"short-term benefits pricing discount strategy\"\n  >\n    <h2 id=\"discount-decision-heading\">When Does Taking a Discount Make Sense?<\/h2>\n\n    <p>Short-term reduced pricing is not always the wrong choice. There are situations when taking an attractive price today may be a reasonable strategic decision, including:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--discount-use-cases\">\n      <li>cash flow constraints<\/li>\n      <li>a transition period for a growing business<\/li>\n      <li>a broader reset of the benefits plan<\/li>\n      <li>situations where there is clear understanding that pricing may increase later, along with financial readiness for that adjustment<\/li>\n    <\/ul>\n\n    <p>It\u2019s worth noting that employees who share in the cost of benefits via payroll deduction can be impacted if rates reduce, but then surge once the first renewal occurs. So if the strategy is to accept reduced pricing that may not hold up past the first renewal or two, that should be done knowingly and with a plan.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--switching-mistakes\"\n    id=\"common-mistakes-when-switching-providers\"\n    aria-labelledby=\"switching-mistakes-heading\"\n    data-scrollmeta-section=\"common-mistakes-when-switching-providers\"\n    data-scrollmeta-role=\"mistake-prevention\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-question=\"What are some common mistakes SMB employers make when switching providers?\"\n    data-scrollmeta-topic=\"SMB employer mistakes benefits provider switching\"\n  >\n    <h2 id=\"switching-mistakes-heading\">What are some common mistakes SMB employers make when switching providers?<\/h2>\n\n    <p>There are a few mistakes we see regularly when employers review competing pricing:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--mistakes\">\n      <li>choosing based solely on total premium<\/li>\n      <li>assuming discounts are sustainable, and they\u2019ve got a \u2018cheaper carrier\u2019<\/li>\n      <li>not asking where the savings are coming from<\/li>\n      <li>not reviewing the underlying pricing assumptions and factors<\/li>\n      <li> treating quotes as directly comparable without validating what is actually driving the rates<\/li>\n    <\/ul>\n\n    <p>However, there is more to the decision than price alone, and lower pricing often involves trade-offs that should be understood.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--beyond-price\"\n    id=\"beyond-price-other-factors-that-matter\"\n    aria-labelledby=\"beyond-price-heading\"\n    data-scrollmeta-section=\"beyond-price-other-factors-that-matter\"\n    data-scrollmeta-role=\"broader-value-frame\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-topic=\"carrier service technology administration coverage advisor support\"\n  >\n    <h2 id=\"beyond-price-heading\">Beyond Price: Other Factors That Matter<\/h2>\n\n    <p>Price is one factor among several competing priorities. A lower premium may still not be the best overall outcome if it comes with trade-offs in other important areas such as:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--tradeoffs\">\n      <li>stability and predictability<\/li>\n      <li>employee experience<\/li>\n      <li>administrative efficiency<\/li>\n    <\/ul>\n\n    <p>If an employer is considering a move based largely on price, it is worth investigating whether the proposed carrier can provide similar or better value in areas such as:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--value-factors\">\n      <li>carrier service and responsiveness<\/li>\n      <li>technology and claims systems<\/li>\n      <li>ease of administration, including whether key functions can be handled online<\/li>\n      <li>breadth of available coverage and ancillary services<\/li>\n      <li>advisor expertise and support<\/li>\n    <\/ul>\n\n    <p>These differences are not always obvious in a quote, but they affect the user experience day to day. Carriers can vary in service, claims turnaround, technology, and ease of administration. Things like mobile apps, online tools, and support experience all contribute to how the plan feels for both employers and employees, and are worth considering alongside price.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--advisor-change\"\n    id=\"advisor-change-due-diligence\"\n    aria-labelledby=\"advisor-change-heading\"\n    data-scrollmeta-section=\"advisor-change-due-diligence\"\n    data-scrollmeta-role=\"advisor-relationship-warning\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-topic=\"changing benefits advisor due diligence provider relationship\"\n  >\n    <h2 id=\"advisor-change-heading\">Changing your provider, or making a switch to your advisor too?<\/h2>\n\n    <p>If the advisor is also changing, that deserves its own due diligence. Price may get attention first, but the advisor relationship with providers, quality of ongoing advice and support often has a significant impact on the long-term success of the plan. Your advisor should play a key role in your benefits experience! If they\u2019re not making things easier for you, it may be time to look around.<\/p>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--advisor-role\"\n    id=\"bottom-line-role-of-an-advisor\"\n    aria-labelledby=\"advisor-role-heading\"\n    data-scrollmeta-section=\"bottom-line-role-of-an-advisor\"\n    data-scrollmeta-role=\"advisor-value-and-decision-summary\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"experienced benefits advisor pricing due diligence plan decision\"\n  >\n    <h2 id=\"advisor-role-heading\">Bottom Line: The Role of an Advisor<\/h2>\n\n    <p>This is where the role of an experienced advisor matters. A knowledgeable advisor should:<\/p>\n\n    <ul class=\"immix-article__list immix-article__list--advisor-role\">\n      <li>understand the mechanics behind benefits pricing<\/li>\n      <li>be able to break down where savings originate<\/li>\n      <li>distinguish between temporary and more sustainable pricing factors<\/li>\n      <li>help align plan decisions with the employer\u2019s business goals<\/li>\n      <li>consider all factors of any potential carriers, including scope of platforms, ancillary offerings and service<\/li>\n    <\/ul>\n\n    <p>Taking a discount is a strategy decision. Lower pricing can make sense, but only when the source of the savings and the potential trade-offs are clearly understood. The right choice is the one that aligns with the employer\u2019s goals.<\/p>\n  <\/section>\n  <section\n    class=\"immix-article__section immix-article__section--cta\"\n    id=\"article-cta\"\n    aria-labelledby=\"cta-heading\"\n    data-scrollmeta-section=\"article-cta\"\n    data-scrollmeta-role=\"conversion-section\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"benefits pricing review renewal quote comparison\"\n    data-scrollmeta-conversion-intent=\"request benefits pricing review\"\n  >\n    <div class=\"immix-article__cta-card\">\n      <div class=\"immix-article__cta-copy\">\n        <p class=\"immix-article__cta-kicker\">Benefits pricing review<\/p>\n        <h2 id=\"cta-heading\">Wondering whether the savings are real?<\/h2>\n        <p>\n          If a renewal increase or competing quote has raised questions, Immix can help you look beyond the total premium. We review the pricing source, plan design, coverage trade-offs, service model, and renewal risk so you can make a clearer decision.\n        <\/p>\n      <\/div>\n\n      <div class=\"immix-article__cta-actions\" aria-label=\"Benefits pricing review actions\">\n        <a class=\"immix-article__cta-button immix-article__cta-button--primary\" href=\"https:\/\/www.immixgroup.ca\/contact3.php#contact-form\">\n          Ask Immix to Review Your Plan\n        <\/a>\n        <a class=\"immix-article__cta-button immix-article__cta-button--secondary\" href=\"https:\/\/www.immixgroup.ca\/contact3.php\">\n          Contact Immix\n        <\/a>\n      <\/div>\n\n      <ul class=\"immix-article__cta-points\" aria-label=\"What Immix can help review\">\n        <li>Pricing source<\/li>\n        <li>Coverage trade-offs<\/li>\n        <li>Renewal risk<\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--key-takeaways\"\n    id=\"key-takeaways\"\n    aria-labelledby=\"key-takeaways-heading\"\n    data-scrollmeta-section=\"key-takeaways\"\n    data-scrollmeta-role=\"summary-and-answer-extraction\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"benefits pricing key takeaways\"\n  >\n    <h2 id=\"key-takeaways-heading\">Key Takeaways:<\/h2>\n\n    <ul class=\"immix-article__list immix-article__list--key-takeaways\">\n      <li>Total premium does not tell the full story<\/li>\n      <li>Lower pricing should always be explained in detail<\/li>\n      <li>Not all savings are built to last<\/li>\n      <li>Plan design, service, and experience matter alongside price<\/li>\n      <li>The right decision is informed and intentional, not just the lowest cost<\/li>\n    <\/ul>\n  <\/section>\n\n  <section\n    class=\"immix-article__section immix-article__section--faq\"\n    id=\"faq\"\n    aria-labelledby=\"faq-heading\"\n    data-scrollmeta-section=\"faq\"\n    data-scrollmeta-role=\"faq-answer-engine-surface\"\n    data-scrollmeta-importance=\"highest\"\n    data-scrollmeta-topic=\"benefits pricing frequently asked questions\"\n  >\n    <h2 id=\"faq-heading\">FAQs<\/h2>\n\n    <div class=\"immix-faq-list\">\n      <section\n        class=\"immix-faq-item\"\n        data-scrollmeta-section=\"faq-why-benefit-quotes-lower\"\n        data-scrollmeta-role=\"question-answer\"\n        data-scrollmeta-question=\"Why are benefit quotes sometimes much lower?\"\n      >\n        <h3>1. Why are benefit quotes sometimes much lower?<\/h3>\n        <p>Lower pricing can come from discounts, different assumptions, or changes in plan design or expenses.<\/p>\n      <\/section>\n\n      <section\n        class=\"immix-faq-item\"\n        data-scrollmeta-section=\"faq-lower-premium-value\"\n        data-scrollmeta-role=\"question-answer\"\n        data-scrollmeta-question=\"Does a lower premium always mean better value?\"\n      >\n        <h3>2. Does a lower premium always mean better value?<\/h3>\n        <p>No. Lower cost may involve trade-offs in coverage, sustainability, or service.<\/p>\n      <\/section>\n\n      <section\n        class=\"immix-faq-item\"\n        data-scrollmeta-section=\"faq-savings-last\"\n        data-scrollmeta-role=\"question-answer\"\n        data-scrollmeta-question=\"Will the savings last over time?\"\n      >\n        <h3>3. Will the savings last over time?<\/h3>\n        <p>Not always. Some savings are temporary and may adjust at future renewals.<\/p>\n      <\/section>\n\n      <section\n        class=\"immix-faq-item\"\n        data-scrollmeta-section=\"faq-look-besides-price\"\n        data-scrollmeta-role=\"question-answer\"\n        data-scrollmeta-question=\"What should we look at besides price?\"\n      >\n        <h3>4. What should we look at besides price?<\/h3>\n        <p>Coverage details, claims experience, service quality, and administration tools all matter.<\/p>\n      <\/section>\n\n      <section\n        class=\"immix-faq-item\"\n        data-scrollmeta-section=\"faq-pricing-reasonable\"\n        data-scrollmeta-role=\"question-answer\"\n        data-scrollmeta-question=\"How do we know if the pricing is reasonable?\"\n      >\n        <h3>5. How do we know if the pricing is reasonable?<\/h3>\n        <p>Your advisor should clearly explain where the savings are coming from and whether they are likely to hold.<\/p>\n      <\/section>\n    <\/div>\n  <\/section>\n  <section\n    class=\"immix-article__section immix-article__section--read-more\"\n    id=\"read-more\"\n    aria-labelledby=\"read-more-heading\"\n    data-scrollmeta-section=\"read-more\"\n    data-scrollmeta-role=\"internal-resource-pathway\"\n    data-scrollmeta-importance=\"high\"\n    data-scrollmeta-topic=\"related Immix benefits resources\"\n  >\n    <div class=\"immix-read-more__head\">\n      <p class=\"immix-read-more__kicker\">Related guidance<\/p>\n      <h2 id=\"read-more-heading\">Read More<\/h2>\n      <p class=\"immix-read-more__intro\">\n        Continue with related Immix resources on disability coverage, employee benefits, and provider changes.\n      <\/p>\n    <\/div>\n\n    <div class=\"immix-read-more-grid\" aria-label=\"Related Immix resources\">\n      <a class=\"immix-read-more-card\" href=\"https:\/\/immixgroup.ca\/blog\/2014\/03\/14\/long-term-disability-coverage\/\" data-scrollmeta-link-topic=\"long-term-disability-coverage\">\n        <span class=\"immix-read-more-card__label\">Coverage guide<\/span>\n        <span class=\"immix-read-more-card__title\">Long-term disability coverage<\/span>\n        <span class=\"immix-read-more-card__text\">A related resource for employers reviewing disability coverage as part of a benefits plan.<\/span>\n        <span class=\"immix-read-more-card__action\">Read article<\/span>\n      <\/a>\n\n      <a class=\"immix-read-more-card\" href=\"https:\/\/immixgroup.ca\/blog\/category\/employee-benefits\/\" data-scrollmeta-link-topic=\"employee-benefits-resource-library\">\n        <span class=\"immix-read-more-card__label\">Resource library<\/span>\n        <span class=\"immix-read-more-card__title\">Employee benefits articles<\/span>\n        <span class=\"immix-read-more-card__text\">Browse more Immix guidance on plan design, renewals, employee benefits and employer decision-making.<\/span>\n        <span class=\"immix-read-more-card__action\">Explore resources<\/span>\n      <\/a>\n\n      <a class=\"immix-read-more-card immix-read-more-card--featured\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/09\/27\/what-you-need-to-know-when-considering-a-switch-in-employee-benefits-providers\/\" data-scrollmeta-link-topic=\"switching-employee-benefits-providers\">\n        <span class=\"immix-read-more-card__label\">Provider decisions<\/span>\n        <span class=\"immix-read-more-card__title\">What You Need to Know When Considering a Switch in Employee Benefits Providers<\/span>\n        <span class=\"immix-read-more-card__text\">A practical companion resource for employers comparing carriers, pricing, service and plan fit.<\/span>\n        <span class=\"immix-read-more-card__action\">Read article<\/span>\n      <\/a>\n    <\/div>\n  <\/section>\n<\/article>\n<style>\/* =========================================================\n   Immix Article CTA Alignment Fix v4.2\n   Fixes narrow heading wrapping in the pricing review CTA.\n   Keeps the CTA premium, readable, and aligned on desktop\/mobile.\n========================================================= *\/\n\n.immix-article--true-temporary-savings .immix-article__section--cta {\n  width: min(980px, calc(100% - 40px)) !important;\n  max-width: 980px !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-card {\n  grid-template-columns: minmax(0, 1.15fr) minmax(250px, 0.85fr) !important;\n  gap: clamp(28px, 4vw, 58px) !important;\n  align-items: center !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-copy {\n  max-width: 620px !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-card h2 {\n  max-width: 620px !important;\n  width: 100% !important;\n  text-transform: none !important;\n  word-break: normal !important;\n  overflow-wrap: normal !important;\n  hyphens: none !important;\n  white-space: normal !important;\n  font-size: clamp(2rem, 3.7vw, 3.25rem) !important;\n  line-height: 1.04 !important;\n  letter-spacing: -0.052em !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-card p:not(.immix-article__cta-kicker) {\n  max-width: 560px !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-actions {\n  justify-self: stretch !important;\n  align-self: center !important;\n  min-width: 0 !important;\n  width: 100% !important;\n  max-width: 360px !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-button {\n  width: 100% !important;\n  white-space: normal !important;\n}\n\n.immix-article--true-temporary-savings .immix-article__cta-points {\n  margin-top: 0.35rem !important;\n}\n\n@media (max-width: 900px) {\n  .immix-article--true-temporary-savings .immix-article__cta-card {\n    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elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e95ec1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6a97050\" data-id=\"6a97050\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f646267 elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"f646267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ea0668b\" data-id=\"ea0668b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1bd969 elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"c1bd969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>Vice President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-321f126 elementor-section-boxed elementor-section-height-default 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class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tTwitter\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-757f96e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"757f96e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-330ce51\" data-id=\"330ce51\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ece672c elementor-widget elementor-widget-html\" data-id=\"ece672c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- =========================================================\nImmix Group Author Trust Block v4\nAuthor: Lindsay Byrka\nArticle: True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\nUse: Separate Elementor HTML block below article content\nIncludes:\n- Article-aligned author bio\n- ScrollMeta 6.0\n- Person schema microdata\n- JSON-LD Person entity\n- Article-topic trust signals\n- Immix green CTA button with white text\n========================================================= -->\n\n<section\n  class=\"immix-author-v4 immix-author-v4--pricing-review\"\n  id=\"about-lindsay-byrka\"\n  aria-labelledby=\"immix-author-v4-title\"\n  aria-describedby=\"immix-author-v4-summary\"\n  itemscope\n  itemtype=\"https:\/\/schema.org\/Person\"\n  data-scrollmeta-version=\"6.0\"\n  data-scrollmeta-section=\"author-trust-block\"\n  data-scrollmeta-label=\"About Lindsay Byrka\"\n  data-scrollmeta-article-title=\"True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing\"\n  data-scrollmeta-article-topic=\"employee benefits pricing|renewal pricing|temporary savings|sustainable savings|benefits quote comparison|advisor due diligence\"\n  data-scrollmeta-content-role=\"author-trust|expertise-signal|entity-clarity|benefits-pricing-context|lead-generation-support\"\n  data-scrollmeta-person-entity=\"Lindsay Byrka\"\n  data-scrollmeta-associated-organization=\"Immix Group\"\n  data-scrollmeta-associated-organization-secondary=\"Ciccone McKay Financial Group\"\n  data-scrollmeta-author-title=\"Vice President\"\n  data-scrollmeta-author-credentials=\"B.A.|B.Ed|CFP\"\n  data-scrollmeta-primary-audience=\"canadian-employers|business-owners|hr-leaders|finance-leaders|payroll-teams\"\n  data-scrollmeta-secondary-audience=\"leadership-teams|plan-administrators|small-business-owners|employers-reviewing-renewals\"\n  data-scrollmeta-ai-summary=\"Lindsay Byrka is Vice President of Immix Group and Ciccone McKay Financial Group. In this article, she explains why employers should look beyond total premium when comparing benefits pricing, renewal quotes, temporary savings, sustainable savings, coverage trade-offs and advisor due diligence.\"\n  data-scrollmeta-authority-signal=\"employee-benefits-pricing|benefits-renewal-review|plan-design|benefits-program-management|carrier-quote-review|advisor-due-diligence\"\n  data-scrollmeta-citation-priority=\"high\"\n  data-scrollmeta-conversion-role=\"increase-author-trust-and-lead-readers-toward-benefits-pricing-review\"\n  data-scrollmeta-geo-relevance=\"Vancouver|Port Moody|British Columbia|Canada\"\n  data-scrollmeta-review-cycle=\"quarterly\"\n>\n  <meta itemprop=\"name\" content=\"Lindsay Byrka\">\n  <meta itemprop=\"honorificSuffix\" content=\"B.A., B.Ed, CFP\">\n  <meta itemprop=\"jobTitle\" content=\"Vice President\">\n  <meta itemprop=\"worksFor\" content=\"Immix Group\">\n  <meta itemprop=\"worksFor\" content=\"Ciccone McKay Financial Group\">\n  <meta itemprop=\"alumniOf\" content=\"University of British Columbia\">\n  <meta itemprop=\"sameAs\" content=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\">\n  <link itemprop=\"url\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\">\n  <meta itemprop=\"knowsAbout\" content=\"Employee benefits\">\n  <meta itemprop=\"knowsAbout\" content=\"Benefits pricing\">\n  <meta itemprop=\"knowsAbout\" content=\"Benefits renewal review\">\n  <meta itemprop=\"knowsAbout\" content=\"Group benefits plan design\">\n  <meta itemprop=\"knowsAbout\" content=\"Benefits implementation\">\n  <meta itemprop=\"knowsAbout\" content=\"Benefits administration\">\n  <meta itemprop=\"knowsAbout\" content=\"Carrier quote comparison\">\n  <meta itemprop=\"knowsAbout\" content=\"Temporary savings in benefits pricing\">\n  <meta itemprop=\"knowsAbout\" content=\"Sustainable benefits plan savings\">\n  <meta itemprop=\"knowsAbout\" content=\"Health and dental benefits\">\n  <meta itemprop=\"knowsAbout\" content=\"Disability insurance\">\n  <meta itemprop=\"knowsAbout\" content=\"Insurance planning\">\n  <meta itemprop=\"knowsAbout\" content=\"Investment planning\">\n  <meta itemprop=\"knowsAbout\" content=\"Canadian employee benefits\">\n\n  <div\n    class=\"scrollmeta scrollmeta--author\"\n    hidden\n    aria-hidden=\"true\"\n    data-nosnippet\n    data-scrollmeta-version=\"6.0\"\n    data-scrollmeta-layer=\"author-entity-intelligence\"\n    data-scrollmeta-section-id=\"about-lindsay-byrka\"\n    data-scrollmeta-content-owner=\"Immix Group\"\n    data-scrollmeta-author=\"Lindsay Byrka\"\n    data-scrollmeta-author-title=\"Vice President\"\n    data-scrollmeta-author-credentials=\"B.A.|B.Ed|CFP\"\n    data-scrollmeta-author-url=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"\n    data-scrollmeta-author-entity-type=\"Person\"\n    data-scrollmeta-associated-entity-primary=\"Immix Group\"\n    data-scrollmeta-associated-entity-secondary=\"Ciccone McKay Financial Group\"\n    data-scrollmeta-author-focus=\"employee benefits pricing|benefits renewal review|benefits quote comparison|temporary savings|sustainable savings|plan design|benefits implementation|benefits management|operations|insurance planning|investment planning\"\n    data-scrollmeta-author-audience=\"business owners|leadership teams|human resource personnel|Canadian employers|finance leaders|payroll teams|employers comparing benefits quotes\"\n    data-scrollmeta-article-relevance=\"This article explains why lower benefits pricing should be reviewed in context, including the source of the discount, plan design differences, renewal risk, coverage trade-offs, carrier service and advisor due diligence.\"\n    data-scrollmeta-geo=\"Vancouver|Port Moody|British Columbia|Canada\"\n    data-scrollmeta-trust-role=\"author credibility signal for benefits pricing and plan review article\"\n    data-scrollmeta-conversion-role=\"support reader confidence and encourage benefits pricing review contact\"\n    data-scrollmeta-source-confidence=\"author-supplied-biographical-summary|article-topic-aligned\"\n    data-scrollmeta-qa-status=\"visible-author-box|schema-aligned|linkedin-linked|article-topic-aligned|lead-focused|review-quarterly\"\n  >\n    <p>Author entity: Lindsay Byrka, B.A., B.Ed, CFP, Vice President.<\/p>\n    <p>Associated organizations: Immix Group and Ciccone McKay Financial Group.<\/p>\n    <p>Professional context: Insurance and investment planning industry experience since 2004.<\/p>\n    <p>Article relevance: Lindsay explains how Canadian employers can evaluate benefits pricing beyond total premium, including temporary discounts, sustainable savings, carrier quote differences, coverage trade-offs and renewal risk.<\/p>\n    <p>Immix role: Helps employers design, implement and manage employee benefit programs that balance employee needs with business cost considerations.<\/p>\n    <p>Lead path: Encourage employers to contact Immix Group for benefits pricing review, renewal review, quote comparison, implementation support or ongoing plan management.<\/p>\n  <\/div>\n\n  <div class=\"immix-author-v4__inner\">\n    <div class=\"immix-author-v4__content\">\n      <p class=\"immix-author-v4__kicker\">About the author<\/p>\n\n      <h2 class=\"immix-author-v4__name\" id=\"immix-author-v4-title\" itemprop=\"name\">\n        Lindsay Byrka\n      <\/h2>\n\n      <p class=\"immix-author-v4__title\" id=\"immix-author-v4-summary\">\n        <span itemprop=\"honorificSuffix\">B.A., B.Ed, CFP<sup>\u00ae<\/sup><\/span>\n        <span class=\"immix-author-v4__separator\" aria-hidden=\"true\">|<\/span>\n        <span itemprop=\"jobTitle\">Vice President<\/span>\n      <\/p>\n\n      <div class=\"immix-author-v4__text\" itemprop=\"description\">\n        <p>Lindsay Byrka is Vice President of both Ciccone McKay Financial Group and the Immix Group. Since beginning her career in the insurance and investment planning industry in 2004, Lindsay has worked with business owners, leadership teams and human resource personnel to design, implement and manage employee benefit programs.<\/p>\n\n        <p>At Immix, Lindsay helps employers evaluate benefits decisions beyond the surface number. Her work includes practical plan design, renewal review, implementation, ongoing management, and helping employers understand how cost, coverage, service, communication and employee trust fit together.<\/p>\n      <\/div>\n\n      <div class=\"immix-author-v4__signals\" role=\"list\" aria-label=\"Author trust signals\">\n        <div class=\"immix-author-v4__signal\" role=\"listitem\">\n          <span class=\"immix-author-v4__label\">Role<\/span>\n          <span class=\"immix-author-v4__value\">Vice President, Immix Group<\/span>\n        <\/div>\n\n        <div class=\"immix-author-v4__signal\" role=\"listitem\">\n          <span class=\"immix-author-v4__label\">Article focus<\/span>\n          <span class=\"immix-author-v4__value\">Benefits pricing, renewal review and quote comparison<\/span>\n        <\/div>\n\n        <div class=\"immix-author-v4__signal\" role=\"listitem\">\n          <span class=\"immix-author-v4__label\">Plan lens<\/span>\n          <span class=\"immix-author-v4__value\">Temporary savings, sustainable savings and coverage trade-offs<\/span>\n        <\/div>\n\n        <div class=\"immix-author-v4__signal\" role=\"listitem\">\n          <span class=\"immix-author-v4__label\">Experience<\/span>\n          <span class=\"immix-author-v4__value\">Insurance and investment planning industry since 2004<\/span>\n        <\/div>\n\n        <div class=\"immix-author-v4__signal\" role=\"listitem\">\n          <span class=\"immix-author-v4__label\">Professional profile<\/span>\n          <a class=\"immix-author-v4__value immix-author-v4__profile-link\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener\" itemprop=\"sameAs\">\n            LinkedIn\n          <\/a>\n        <\/div>\n      <\/div>\n\n      <div class=\"immix-author-v4__cta\" aria-label=\"Connect with Immix Group\">\n        <a class=\"immix-author-v4__button\" href=\"https:\/\/www.immixgroup.ca\/contact3.php#contact-form\">\n          Ask Immix to Review Your Plan\n        <\/a>\n\n        <a class=\"immix-author-v4__textlink\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\" target=\"_blank\" rel=\"noopener\">\n          View Lindsay\u2019s LinkedIn profile\n        <\/a>\n      <\/div>\n\n      <p class=\"immix-author-v4__fineprint\">\n        General information only. Employee benefits, pricing, taxation, payroll and insurance decisions should be reviewed in the context of your specific plan, workforce, jurisdiction and professional advisors.\n      <\/p>\n    <\/div>\n  <\/div>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"Person\",\n    \"@id\": \"https:\/\/www.immixgroup.ca\/#lindsay-byrka\",\n    \"name\": \"Lindsay Byrka\",\n    \"honorificSuffix\": \"B.A., B.Ed, CFP\",\n    \"jobTitle\": \"Vice President\",\n    \"url\": \"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\",\n    \"sameAs\": [\n      \"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/\"\n    ],\n    \"worksFor\": [\n      {\n        \"@type\": \"Organization\",\n        \"name\": \"Immix Group\",\n        \"url\": \"https:\/\/www.immixgroup.ca\/\"\n      },\n      {\n        \"@type\": \"Organization\",\n        \"name\": \"Ciccone McKay Financial Group\"\n      }\n    ],\n    \"alumniOf\": {\n      \"@type\": \"CollegeOrUniversity\",\n      \"name\": \"University of British Columbia\"\n    },\n    \"knowsAbout\": [\n      \"Employee benefits\",\n      \"Benefits pricing\",\n      \"Benefits renewal review\",\n      \"Carrier quote comparison\",\n      \"Group benefits plan design\",\n      \"Benefits implementation\",\n      \"Benefits administration\",\n      \"Temporary savings in benefits pricing\",\n      \"Sustainable benefits plan savings\",\n      \"Health and dental benefits\",\n      \"Disability insurance\",\n      \"Insurance planning\",\n      \"Investment planning\",\n      \"Canadian employee benefits\"\n    ],\n    \"description\": \"Lindsay Byrka is Vice President of Immix Group and Ciccone McKay Financial Group. Her work at Immix Group focuses on helping Canadian employers evaluate benefits pricing, renewal strategy, plan design, implementation and ongoing plan management while balancing employee needs with business cost considerations.\"\n  }\n  <\/script>\n<\/section>\n\n<style>\n\/* =========================================================\n   Immix Author Trust Block v4\n   Article-aligned for benefits pricing \/ renewal review\n   Clean namespace to avoid old CSS conflicts\n   Green CTA button with white text\n   ========================================================= *\/\n\n.immix-author-v4 {\n  --ia4-ink: #12212b;\n  --ia4-body: #2f3f4b;\n  --ia4-muted: #647684;\n  --ia4-line: #d9e5ec;\n  --ia4-paper: #ffffff;\n  --ia4-soft: #f6fbfd;\n  --ia4-blue: #004f7c;\n  --ia4-blue-soft: #0f5e77;\n  --ia4-navy: #12345d;\n  --ia4-navy-deep: #092a50;\n  --ia4-green: #4f9636;\n  --ia4-green-dark: #3f7f2b;\n  --ia4-shadow: 0 18px 42px rgba(13, 48, 68, 0.08);\n  --ia4-shadow-button: 0 14px 28px 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!important;\n  border-bottom: 1px solid rgba(0, 79, 124, 0.28) !important;\n  padding-bottom: 2px;\n}\n\n.immix-author-v4 a.immix-author-v4__textlink:hover,\n.immix-author-v4 a.immix-author-v4__textlink:focus-visible,\n.immix-author-v4 a.immix-author-v4__profile-link:hover,\n.immix-author-v4 a.immix-author-v4__profile-link:focus-visible {\n  color: var(--ia4-green-dark) !important;\n  border-bottom-color: rgba(79, 150, 54, 0.55) !important;\n  outline: none;\n}\n\n.immix-author-v4__fineprint {\n  margin: 0;\n  padding-top: 12px;\n  border-top: 1px solid rgba(197, 213, 223, 0.86);\n  color: var(--ia4-muted) !important;\n  font-size: 0.82rem;\n  line-height: 1.55;\n}\n\n.immix-author-v4 [hidden] {\n  display: none !important;\n}\n\n@media (prefers-color-scheme: dark) {\n  .immix-author-v4__inner,\n  .immix-author-v4__signal {\n    background-color: #ffffff !important;\n  }\n\n  .immix-author-v4,\n  .immix-author-v4 p,\n  .immix-author-v4 span,\n  .immix-author-v4 div {\n    color: var(--ia4-body) !important;\n  }\n\n  .immix-author-v4 h2,\n  .immix-author-v4 h3 {\n    color: var(--ia4-ink) !important;\n  }\n}\n\n@media (max-width: 760px) {\n  .immix-author-v4 {\n    width: min(100%, calc(100% - 32px));\n    margin: 34px auto 28px;\n    font-size: 16.5px;\n  }\n\n  .immix-author-v4__inner {\n    padding: 24px 20px;\n    border-radius: 22px;\n  }\n\n  .immix-author-v4__signals {\n    grid-template-columns: 1fr;\n  }\n\n  .immix-author-v4__cta {\n    align-items: stretch;\n  }\n\n  .immix-author-v4 a.immix-author-v4__button,\n  .immix-author-v4 a.immix-author-v4__textlink {\n    width: 100% !important;\n    justify-content: center !important;\n    text-align: center;\n  }\n}\n\n@media (prefers-reduced-motion: reduce) {\n  .immix-author-v4 *,\n  .immix-author-v4 *::before,\n  .immix-author-v4 *::after {\n    transition: none !important;\n  }\n\n  .immix-author-v4 a.immix-author-v4__button:hover,\n  .immix-author-v4 a.immix-author-v4__button:focus-visible {\n    transform: none;\n  }\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a3ab8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a3ab8f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eeb73cf\" data-id=\"eeb73cf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38b8e2d elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"38b8e2d\" data-element_type=\"widget\" data-e-type=\"widget\" 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data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ddd03cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ddd03cc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c78c39\" data-id=\"4c78c39\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1a4910 elementor-grid-1 elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"f1a4910\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;1&quot;,&quot;pagination_type&quot;:&quot;numbers_and_prev_next&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1543 post type-post status-publish format-standard has-post-thumbnail hentry category-emloyee-benefits category-employee-benefits-plans category-employee-group-savings-plan tag-benefits-customization tag-broker-managed-benefits-pool tag-cost-containment-strategies tag-employee-benefits tag-employee-financial-health tag-employee-well-being tag-employer-sponsored-benefits tag-financial-education tag-financial-literacy tag-financial-literacy-workshops tag-financial-wellness tag-group-benefits-plans tag-group-savings-programs tag-immix-group tag-innovative-benefits-pricing tag-tailored-benefits-solutions tag-vancouver-employee-benefits tag-workforce-productivity tag-workplace-financial-health\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\">\n\t\t\t\tYour One-Stop Guide: Exploring Key Themes in Employee Benefits\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A Guide to Immix Insights Articles Are you wondering what we\u2019ve been writing about? Perhaps you haven\u2019t had time to read the articles, but you\u2019re hoping to gain some information<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\" aria-label=\"Read more about Your One-Stop Guide: Exploring Key Themes in Employee Benefits\" tabindex=\"-1\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tDecember 1, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"4\" data-next-page=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">&laquo; Previous<\/span>\n<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/page\/4\/\"><span class=\"elementor-screen-only\">Page<\/span>4<\/a>\n<a class=\"page-numbers next\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/page\/2\/\">Next &raquo;<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Immix Group Benefits Insight June 2026 True or Temporary Savings? Looking Beyond the Bottom Line in Benefits Pricing By Lindsay Byrka B.A., B.Ed, CFP\u00ae | Vice President Client Story One company that now works with the Immix Group initially approached us at the first renewal of a plan. They had made the move the previous [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[358,365,226,205,199,353,355,360,104,158,359,361,364,333,24,366,223,191,90,198,354,362,189,357,367,363,356],"class_list":["post-2124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emloyee-benefits","tag-advisor-due-diligence","tag-aso-benefits","tag-benefits-administration","tag-benefits-advisor","tag-benefits-plan-review","tag-benefits-pricing","tag-benefits-quote-comparison","tag-benefits-renewal","tag-canadian-employee-benefits","tag-canadian-employers","tag-carrier-quotes","tag-coverage-trade-offs","tag-credibility","tag-disability-benefits","tag-employee-benefits","tag-employee-benefits-providers","tag-group-benefits","tag-health-and-dental-benefits","tag-hr-benefits-strategy","tag-plan-design","tag-renewal-pricing","tag-renewal-risk","tag-small-business-benefits","tag-sustainable-savings","tag-switching-benefits-providers","tag-target-loss-ratio","tag-temporary-savings"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=2124"}],"version-history":[{"count":17,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/revisions"}],"predecessor-version":[{"id":2142,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/2124\/revisions\/2142"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/2132"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=2124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=2124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=2124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}