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46 NorthBenefit Advisors

The Benefits Gateway

The Pressure Test

Type three figures off your own Annual Financial Report. See where your benefits spend sits against real Indiana units of the same type and size — and if your filings will not support it, watch the tool refuse to compute a cost per employee and tell you why.

It is not a savings estimate and it quotes nothing. All arithmetic runs in your browser. This site sets no cookies, uses no local storage, and runs no analytics. The only network request containing anything you type is the contact form, and it fires only when you press Send.

The Pressure Test — 46 North Benefit Advisors

Unit not named · 8/5/2026

Stage 1 of 4

Three numbers you already have

Both figures come straight off your Annual Financial Report in the Indiana Gateway portal, under Disbursements: line D101, Salaries and Wages and line D107, Employee Benefits.

Nothing you type here leaves your screen. This page makes no network request, sets no cookies, uses no local storage, and runs no analytics.

Only used to title your results.

Type of unit
$
$

Count who is enrolled, not who is eligible.

Verify it from your 100R instead

Upload your unit’s 100R export and we will derive a verified headcount the same way we build our statewide reference set: one row per person, not per position. The file is read entirely on your device. It is never uploaded, transmitted, or stored anywhere.

Stage 2 of 4

How you compare to units like yours

Your comparison appears here once you run the test.

Stage 3 of 4

Whether your numbers can be trusted

The four checks run once you enter your figures.

Stage 4 of 4

The two things that usually matter most

Two more readings sit behind this step: cost per covered employee, measured against Indiana units where we verified the headcount ourselves, and six plain questions about how your pharmacy contract is built.

Run the test first.

Every peer percentile on this page is computed from filings made by Indiana units of government to the Indiana Gateway portal, Annual Financial Report disbursement detail, lines D101 and D107. Nothing on this page is modeled, projected, or estimated from a sample.

What this page is not

Three things to be clear about.

  • It is not a savings estimate, and it will not produce one.
  • A ratio and a cost per employee are tools for deciding what to look at first.
  • 46 North is not legal counsel and not a tax adviser.

Method in full

Read the full method · Disclosures