Where you are today
What ConData pays ADP
Medical, dental, vision and ADP’s fees, from your September invoices and October 8 enrollment. Medical is most of it, at $820,100 of $918,712 a year.
| What ADP charges for | Who pays | A year |
|---|---|---|
| MedicalAetna, four plans, 47 enrolled | Both | $820,100 |
| Dental and visionGuardian and VSP | Employees | $31,748 |
| Admin fee and Talent Suite$111.44 per employee per month, EPLI included | ConData | $66,864 |
| Total | $918,712 |
- Medical
- Aetna through ADP: two EPO plans and two HSA plans, in network only.
- Plan year
- June 1, 2026 to May 31, 2027. Deductibles run on the calendar year.
- Employees
- 50, 49 full-time and 1 part-time, in 11 states.
- Enrolled
- 47 on medical, 43 on dental, 40 on vision.
ConData Global IncSource: ADP invoices and enrollment
How LBMC works
Another PEO, so day to day looks familiar
LBMC Employment Partners is an IRS-certified PEO headquartered in Nashville and part of the LBMC family of companies since 1998. Co-employment, one invoice and payroll through the PEO all work the way they do with ADP. What changes is the provider, the medical carrier and the price.
Stays the same
- You run ConData: hiring, pay, schedules and how the team works.
- One invoice for payroll, taxes and benefits.
- Employees in every state, with payroll and tax filings handled.
- Deductibles reset in January either way, since your Aetna plans already run on the calendar year.
Changes
- Payroll and HR move to LBMC on UKG Ready, with a named payroll specialist and HR business partner.
- Medical moves from Aetna EPO plans to Blue Cross Blue Shield of Tennessee on the national BlueCard network, which covers out-of-network care.
- Dental moves to MetLife or Delta Dental. Vision stays with VSP.
- A new portal and app for pay stubs, time off and benefits.
Start dateJanuary 1, 2027Your current ADP rates run through May 31, 2027.
LBMC’s fee$98 a monthPer employee, plus $2.75 for EPLI and $35 a month for a cyber policy.
RatesHeld to 12/31/2027Your first LBMC renewal is January 1, 2028.
Final rates are set when LBMC underwrites the final enrollment.
Side by side · Medical
Each of your plans next to its LBMC match
LBMC quoted Blue Cross Blue Shield of Tennessee. The monthly figure is the full premium for the people on that plan today. The switch shows a lower-cost option for the $3,000 and $3,500 plans.
The two EPO plans
| $500 plan6 people: 4 employee only, 2 employee + spouse | $3,000 plan15 people: 9 employee only, 5 employee + spouse, 1 employee + children | |||
|---|---|---|---|---|
| In network | ADP todayAetna EPO 500 / 80% | LBMCBlue Cross PPO Plan 1 | ADP todayAetna EPO 3000 / 70% | LBMCBlue Cross PPO Plan 3 |
| Network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network |
| DeductibleSingle / family | $500 / $1,000 | $500 / $1,000 | $3,000 / $6,000 | $3,000 / $6,000 |
| Coinsurance | 20% | 20% | 30% | 20% |
| Out-of-pocket max | $3,500 / $7,000 | $2,000 / $4,000 | $6,850 / $13,700 | $6,000 / $12,000 |
| Doctor / specialist | $25 / $50 | $20 / $40 | $40 / $80 | $50 / $75 |
| Emergency room | $350 | $150 | $500 | 20% after deductible |
| Prescriptions | $10 / $45 / $70No drug deductible | $10 / $35Generic / brand | $10 / $50 / $80No drug deductible | $45 / $50Generic / brand |
| A monthFull premium, everyone on the plan | $10,730.74 | $10,017.74$713.00 less | $20,943.06 | $20,761.04$182.02 less |
| $500 plan6 people: 4 employee only, 2 employee + spouse | $3,000 plan15 people: 9 employee only, 5 employee + spouse, 1 employee + children | |||
|---|---|---|---|---|
| In network | ADP todayAetna EPO 500 / 80% | LBMCBlue Cross PPO Plan 1 | ADP todayAetna EPO 3000 / 70% | LBMCBlue Cross PPO Plan 4 |
| Network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network |
| DeductibleSingle / family | $500 / $1,000 | $500 / $1,000 | $3,000 / $6,000 | $4,000 / $8,000 |
| Coinsurance | 20% | 20% | 30% | 20% |
| Out-of-pocket max | $3,500 / $7,000 | $2,000 / $4,000 | $6,850 / $13,700 | $6,300 / $12,600 |
| Doctor / specialist | $25 / $50 | $20 / $40 | $40 / $80 | $25 / $50 |
| Emergency room | $350 | $150 | $500 | $500 |
| Prescriptions | $10 / $45 / $70No drug deductible | $10 / $35Generic / brand | $10 / $50 / $80No drug deductible | $5 / $25Generic / brand |
| A monthFull premium, everyone on the plan | $10,730.74 | $10,017.74$713.00 less | $20,943.06 | $16,462.76$4,480.30 less |
The two HSA plans
| $2,500 HSA plan21 people: 12 employee only, 3 employee + spouse, 3 employee + children, 3 family | $3,500 HSA plan5 people: 4 employee only, 1 employee + spouse | |||
|---|---|---|---|---|
| In network | ADP todayAetna HSA 2500 | LBMCBlue Cross HSA Plan 1 | ADP todayAetna HSA 3500 | LBMCBlue Cross HSA Plan 2 |
| Network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network |
| DeductibleSingle / family | $2,500 / $5,000 | $2,500 / $5,000 | $3,500 / $7,000 | $3,300 / $6,600 |
| After the deductible | Plan pays 100%$30 / $60 office copays | You pay 20% | You pay 20% | You pay 20% |
| Out-of-pocket max | $3,500 / $7,000 | $5,000 / $10,000 | $6,350 / $12,700 | $5,000 / $9,600 |
| Prescriptions | $10 / $45 / $70After the deductible | 40% / 50%Generic / brand, after the deductible | $10 / $45 / $70After the deductible | 40% / 50%Generic / brand, after the deductible |
| A monthFull premium, everyone on the plan | $31,945.56 | $29,953.62$1,991.94 less | $4,722.28 | $4,776.33$54.05 more |
| $2,500 HSA plan21 people: 12 employee only, 3 employee + spouse, 3 employee + children, 3 family | $3,500 HSA plan5 people: 4 employee only, 1 employee + spouse | |||
|---|---|---|---|---|
| In network | ADP todayAetna HSA 2500 | LBMCBlue Cross HSA Plan 1 | ADP todayAetna HSA 3500 | LBMCBlue Cross HSA Plan 3 |
| Network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network | Aetna EPOIn network only | BlueCard PPONational network, covers out of network |
| DeductibleSingle / family | $2,500 / $5,000 | $2,500 / $5,000 | $3,500 / $7,000 | $4,000 / $8,000 |
| After the deductible | Plan pays 100%$30 / $60 office copays | You pay 20% | You pay 20% | You pay 30% |
| Out-of-pocket max | $3,500 / $7,000 | $5,000 / $10,000 | $6,350 / $12,700 | $6,500 / $13,000 |
| Prescriptions | $10 / $45 / $70After the deductible | 40% / 50%Generic / brand, after the deductible | $10 / $45 / $70After the deductible | 30% / 30%Generic / brand, after the deductible |
| A monthFull premium, everyone on the plan | $31,945.56 | $29,953.62$1,991.94 less | $4,722.28 | $3,822.19$900.09 less |
Green better than your plan todayRed worse than today
Medical for all 47: $820,100 a year with ADP, $786,105 with LBMC. The $500, $3,000 and $3,500 plans get lower out-of-pocket maxes. The $2,500 HSA plan, which 21 people are on, moves from 100% after the deductible to 20%, with a $5,000 max. We’ve asked LBMC for an HSA plan closer to yours.Medical for all 47: $820,100 a year with ADP, $723,076 with LBMC’s lower-cost option. The $3,000 plan moves to a $4,000 deductible with a lower out-of-pocket max and lower copays. The $3,500 HSA plan moves to a $4,000 deductible and 30% after it.
Dental and vision
Dental costs less overall, vision a little more
Both are employee-paid today. LBMC offers MetLife or Delta Dental, and VSP for vision. Families on either dental plan would pay more; everyone else pays about the same or less. Delta Dental runs about 2% under MetLife.
Dental plans
| In network | Guardian PremierToday · 26 people | LBMC MidMetLife or Delta | Guardian ValueToday · 17 people | LBMC LowMetLife or Delta |
|---|---|---|---|---|
| Yearly max | $2,000 + rollover | $2,000 | $1,000 + rollover | $1,000 |
| Deductible | None in network | $50 | $50 / $150 | $50 |
| Cleanings and x-rays | 100% | 100% | 100% | 100% |
| Fillings and basic work | 80% | 80% | 80% | 80% |
| Crowns and major work | 50% | 50% | 50% | 50% |
| Orthodontia | Adults and children50%, $1,500 lifetime | Children under 19$1,500 lifetime | Children50%, $1,000 lifetime | Children under 19$1,500 lifetime |
Dental, a month
| Coverage level | Guardian Premier | MetLife Mid | Guardian Value | MetLife Low |
|---|---|---|---|---|
| Employee only14 on Premier, 10 on Value | $39.13 | $28.62 | $24.59 | $23.28 |
| Employee + spouse7 on Premier, 3 on Value | $78.27 | $60.79 | $49.20 | $49.44 |
| Employee + children3 on Premier, 2 on Value | $81.77 | $61.19 | $51.54 | $49.75 |
| Family2 on Premier, 2 on Value | $124.82 | $135.89 | $78.94 | $110.53 |
| Group per yearSame 43 people | $19,088 | $15,379$3,709 less | $7,854 | $8,420$566 more |
Vision
| In network | VSP ChoiceToday | VSP HighLBMC, closest match | VSP LowLBMC |
|---|---|---|---|
| Exam / glasses | $10 / $15 | $10 / $10 | $10 / $10 |
| Frames | $225, every 12 months | $225, every 12 months | $150, every 24 months |
| Contacts instead | Up to $175 | Up to $225 | Up to $150 |
| Employee only23 people | $6.46 | $9.30 | $6.96 |
| Employee + spouse9 people | $12.93 | $18.35 | $13.90 |
| Employee + children5 people | $13.84 | $17.72 | $13.26 |
| Family3 people | $22.12 | $28.10 | $21.00 |
| Group per yearSame 40 people | $4,806 | $6,623$1,817 more | $4,974$168 more |
Who saves
ConData and your employees
Today ConData pays a different share of each plan, from about 60% to 82%. Pick how ConData would contribute with LBMC: the same share of each premium, or the same dollars it pays now, with employees keeping the rest of the savings. Employee cost is per paycheck, 24 a year.
Total savings, a year$41,315Everything on the page, all in
ConData saves$29,314Its share of medical plus the lower fees
Employees save$12,001Their share of medical, plus dental and vision
Total savings, a year$41,315Everything on the page, all in
ConData saves$5,994Its share of medical plus the lower fees
Employees save$35,321Their share of medical, plus dental and vision
Total savings, a year$104,344Everything on the page, all in
ConData saves$77,774Its share of medical plus the lower fees
Employees save$26,570Their share of medical, plus dental and vision
Total savings, a year$104,344Everything on the page, all in
ConData saves$6,725Its share of medical plus the lower fees
Employees save$97,619Their share of medical, plus dental and vision
| Employee pays for medical, per paycheck | People | ADP today | LBMC | ChangePer paycheck |
|---|---|---|---|---|
| $500 planEmployee only | 4 | $222.82 | $218.08Blue Cross PPO Plan 1 | $4.74 less |
| $500 planEmployee + spouse | 2 | $559.82 | $499.10Blue Cross PPO Plan 1 | $60.72 less |
| $3,000 planEmployee only | 9 | $87.20 | $91.55Blue Cross PPO Plan 3 | $4.35 more |
| $3,000 planEmployee + spouse | 5 | $264.98 | $253.37Blue Cross PPO Plan 3 | $11.61 less |
| $3,000 planEmployee + children | 1 | $228.19 | $208.69Blue Cross PPO Plan 3 | $19.50 less |
| $2,500 HSA planEmployee only | 12 | $130.49 | $130.73Blue Cross HSA Plan 1 | $0.24 more |
| $2,500 HSA planEmployee + spouse | 3 | $280.56 | $255.96Blue Cross HSA Plan 1 | $24.60 less |
| $2,500 HSA planEmployee + children | 3 | $254.46 | $222.05Blue Cross HSA Plan 1 | $32.41 less |
| $2,500 HSA planFamily | 3 | $404.53 | $369.46Blue Cross HSA Plan 1 | $35.07 less |
| $3,500 HSA planEmployee only | 4 | $105.38 | $110.03Blue Cross HSA Plan 2 | $4.65 more |
| $3,500 HSA planEmployee + spouse | 1 | $226.59 | $215.41Blue Cross HSA Plan 2 | $11.18 less |
| $500 planEmployee only | 4 | $222.82 | $209.07Blue Cross PPO Plan 1 | $13.75 less |
| $500 planEmployee + spouse | 2 | $559.82 | $409.08Blue Cross PPO Plan 1 | $150.74 less |
| $3,000 planEmployee only | 9 | $87.20 | $111.27Blue Cross PPO Plan 3 | $24.07 more |
| $3,000 planEmployee + spouse | 5 | $264.98 | $219.52Blue Cross PPO Plan 3 | $45.46 less |
| $3,000 planEmployee + children | 1 | $228.19 | $147.78Blue Cross PPO Plan 3 | $80.41 less |
| $2,500 HSA planEmployee only | 12 | $130.49 | $131.35Blue Cross HSA Plan 1 | $0.86 more |
| $2,500 HSA planEmployee + spouse | 3 | $280.56 | $190.96Blue Cross HSA Plan 1 | $89.60 less |
| $2,500 HSA planEmployee + children | 3 | $254.46 | $136.38Blue Cross HSA Plan 1 | $118.08 less |
| $2,500 HSA planFamily | 3 | $404.53 | $276.78Blue Cross HSA Plan 1 | $127.75 less |
| $3,500 HSA planEmployee only | 4 | $105.38 | $122.32Blue Cross HSA Plan 2 | $16.94 more |
| $3,500 HSA planEmployee + spouse | 1 | $226.59 | $185.87Blue Cross HSA Plan 2 | $40.72 less |
| $500 planEmployee only | 4 | $222.82 | $218.08Blue Cross PPO Plan 1 | $4.74 less |
| $500 planEmployee + spouse | 2 | $559.82 | $499.10Blue Cross PPO Plan 1 | $60.72 less |
| $3,000 planEmployee only | 9 | $87.20 | $72.61Blue Cross PPO Plan 4 | $14.59 less |
| $3,000 planEmployee + spouse | 5 | $264.98 | $200.89Blue Cross PPO Plan 4 | $64.09 less |
| $3,000 planEmployee + children | 1 | $228.19 | $165.47Blue Cross PPO Plan 4 | $62.72 less |
| $2,500 HSA planEmployee only | 12 | $130.49 | $130.73Blue Cross HSA Plan 1 | $0.24 more |
| $2,500 HSA planEmployee + spouse | 3 | $280.56 | $255.96Blue Cross HSA Plan 1 | $24.60 less |
| $2,500 HSA planEmployee + children | 3 | $254.46 | $222.05Blue Cross HSA Plan 1 | $32.41 less |
| $2,500 HSA planFamily | 3 | $404.53 | $369.46Blue Cross HSA Plan 1 | $35.07 less |
| $3,500 HSA planEmployee only | 4 | $105.38 | $88.06Blue Cross HSA Plan 3 | $17.32 less |
| $3,500 HSA planEmployee + spouse | 1 | $226.59 | $172.34Blue Cross HSA Plan 3 | $54.25 less |
| $500 planEmployee only | 4 | $222.82 | $209.07Blue Cross PPO Plan 1 | $13.75 less |
| $500 planEmployee + spouse | 2 | $559.82 | $409.08Blue Cross PPO Plan 1 | $150.74 less |
| $3,000 planEmployee only | 9 | $87.20 | $6.44Blue Cross PPO Plan 4 | $80.76 less |
| $3,000 planEmployee + spouse | 5 | $264.98 | $14.04Blue Cross PPO Plan 4 | $250.94 less |
| $3,000 planEmployee + children | 1 | $228.19 | $0.00Blue Cross PPO Plan 4 | $228.19 less |
| $2,500 HSA planEmployee only | 12 | $130.49 | $131.35Blue Cross HSA Plan 1 | $0.86 more |
| $2,500 HSA planEmployee + spouse | 3 | $280.56 | $190.96Blue Cross HSA Plan 1 | $89.60 less |
| $2,500 HSA planEmployee + children | 3 | $254.46 | $136.38Blue Cross HSA Plan 1 | $118.08 less |
| $2,500 HSA planFamily | 3 | $404.53 | $276.78Blue Cross HSA Plan 1 | $127.75 less |
| $3,500 HSA planEmployee only | 4 | $105.38 | $42.27Blue Cross HSA Plan 3 | $63.11 less |
| $3,500 HSA planEmployee + spouse | 1 | $226.59 | $28.98Blue Cross HSA Plan 3 | $197.61 less |
Dental and vision are employee-paid either way. Their monthly rates are in the section above.
All in
The full picture for 2027
Medical, dental, vision and PEO fees for twelve months at quoted rates. LBMC’s rates are good January 1 through December 31, 2027, and your first LBMC renewal is January 1, 2028.
| Per year | ADP todayCurrent rates and fees | LBMCClosest match, 2027 |
|---|---|---|
| Benefits | ||
| MedicalAll 47 on the plan | $820,100Aetna, four plans | $786,105Blue Cross Blue Shield of Tennessee |
| Dental43 enrolled, employee-paid | $26,942Guardian Premier and Value | $23,799MetLife Mid and Low |
| Vision40 enrolled, employee-paid | $4,806VSP Choice | $6,623VSP High, same frame allowance |
| PEO fees, 50 employees | ||
| Admin fee | $63,984$53.32 a paycheck, $106.64 per employee per month | $58,800$98 per employee per month, onboarding and time tracking included |
| Enhanced Talent Suite | $2,880$2.40 a paycheck | Similar tools includedIn LBMC’s fee |
| EPLI | Included in ADP’s fee | $1,650$2.75 per employee per month |
| Cyber policy | None | $420$35 a month |
| Total per year | $918,712 | $877,397 |
| Saves vs. ADP | Starting point | $41,3154.5% less |
| One-time setupNot in the yearly total | None | $2,400Already reduced from $4,900. First-year savings after setup: $38,915 |
| Per year | ADP todayCurrent rates and fees | LBMCLower-cost option, 2027 |
|---|---|---|
| Benefits | ||
| MedicalAll 47 on the plan | $820,100Aetna, four plans | $723,076Blue Cross Blue Shield of Tennessee |
| Dental43 enrolled, employee-paid | $26,942Guardian Premier and Value | $23,799MetLife Mid and Low |
| Vision40 enrolled, employee-paid | $4,806VSP Choice | $6,623VSP High, same frame allowance |
| PEO fees, 50 employees | ||
| Admin fee | $63,984$53.32 a paycheck, $106.64 per employee per month | $58,800$98 per employee per month, onboarding and time tracking included |
| Enhanced Talent Suite | $2,880$2.40 a paycheck | Similar tools includedIn LBMC’s fee |
| EPLI | Included in ADP’s fee | $1,650$2.75 per employee per month |
| Cyber policy | None | $420$35 a month |
| Total per year | $918,712 | $814,368 |
| Saves vs. ADP | Starting point | $104,34411.4% less |
| One-time setupNot in the yearly total | None | $2,400Already reduced from $4,900. First-year savings after setup: $101,944 |
If ADP raises your medical rates on June 1
Other PEOs declined to quote ConData based on a health risk score. That usually points to a bigger than normal increase when ADP renews your medical on June 1, 2027. Pick an increase to see 2027 with five months at today’s ADP rates and seven at the new ones. LBMC’s rates are locked through December 31, 2027; the same health risk could show up at LBMC’s first renewal on January 1, 2028.
Savings in 2027$41,315No ADP increase
ADP for 2027$918,712Today’s rates all year
LBMC for 2027$877,397Locked through December 31, 2027
Questions about any of this? Call either of us.
We’ll update this page as LBMC sends final numbers.
Caleb SherrillPhone704-787-1261Emailcaleb@pillarpeo.com
Emily SnooksEmailemily@pillarpeo.com