Ownership review

Evaluate the business case before committing resources.

Ownership review starts with potential employer value, employee benefit usefulness, workforce fit, and whether the opportunity justifies a formal payroll and program analysis.

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Review priorities

Questions and information to examine.

Overall employer savings

Current PCBP materials illustrate potential net employer FICA savings of up to approximately $1,186 per qualifying full-time W-2 employee annually. The result must be validated against the employer's actual census and payroll.

Support: PCBP overview and employer payroll analysis

Employee value

Current program materials describe preventive-care access, virtual primary care, 24/7 virtual urgent care, mental-health counseling, prescription benefits, and employee-only MEC benefits where applicable. Core virtual-care benefits may extend to up to 7 additional enrolled household members.

Support: PCBP and employee FAQ materials

Cost versus benefit

The program is presented as using payroll-tax efficiency to help fund the benefit package rather than simply adding another traditional employer-paid benefit expense. Actual economics vary by eligibility, payroll, and participation.

Support: Program mechanics

Strategic fit

The initial review considers workforce size, W-2 status, hours, compensation, existing benefits, and payroll structure to determine whether a formal employer analysis is appropriate.

Support: Discovery and eligibility process
Ownership questionDoes the potential financial and employee-benefit value justify a full employer-specific review?