Are you overpaying your benefits carrier right now?
Terminated employees still on the invoice. New hires deducted before coverage starts. Rates that drifted after open enrollment. Most contractors have never reconciled their payroll register against their carrier bill. Let’s find out if you’re overpaying.
of monthly invoices contain at least one billing discrepancy
per employee in billing discrepancies identified annually
Where Carriers Quietly Overbill
Most billing errors aren't malicious — they're gaps. Payroll runs one direction; carrier invoices run another. Without monthly reconciliation, the discrepancies stack up silently.
A worker offboards. Payroll stops. The carrier keeps billing. We flag every ghost enrollee on your invoice — some have been gone for months.
You deduct premiums on Day 1. But if the carrier's effective date is Day 31, you've collected from the employee for coverage they don't have yet.
Higher rates are billed by insurance. Payroll doesn't update - or vice versa. Even a $4/month gap compounds fast across a crew of 80.
A dependent is added, removed, or a coverage tier changes. Payroll reflects it. The carrier invoice? Still showing the old tier from six months back.
During a parallel payroll review, Lumber identified that the contractor was over-deducting life insurance premiums for employees over age 70. Age-reduction rules hadn't been applied, meaning employees were being charged for coverage amounts they were no longer eligible for — and had been for months.
“We didn't catch it because we didn't know to look for it. Lumber found it immediately. If we had moved over a year ago, we could’ve saved thousands.”
Construction contractor · Lumber customer
Get a Full Picture of What's Slipping Through
We reconcile every line and hand back a clean report of every discrepancy, what it's costing you, and exactly how to recover it.
Fill out the form above. A Lumber Benefits Admin will reach out shortly to collect your last two carrier invoices and payroll benefits register.
Our team reconciles every line —enrollment status, coverage tiers, effective dates, billed premiums — against your payroll records.
Get a line-by-line discrepancy PDF, the dollar cost of each error, and a recovery plan. We walk you through it on a free 30-minute call.
Your carrier invoice and your payroll register should match. Let's find out if they do.
Most contractors assume someone is reconciling this — their broker, their HR admin, their carrier. Usually, nobody is. Let us pull it apart for you, line by line, and hand you back a clear picture of what's off and what it cost you. Free, with no strings attached.
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