ICHRA Impact Report
vs. Group Renewal
Aptive Resources • Plan Year 2026
Aptive Resources is a federal contractor with a growing workforce spread across multiple states. Like most government contractors, they were stuck in the cycle: rising group health renewals, employees opting out for cash in lieu, and a benefits program that wasn't keeping up. They needed a way to stabilize costs, stay SCA compliant, and give employees real coverage options without the annual renewal headache. CVRD helped them make the switch to ICHRA.
Annual Employer Savings
$536,870
151
Employees Enrolled
78%
On-Exchange Plans
39%
Premium Savings
4
Metal Tiers Elected
Enrollment by metal tier
Bronze (25%)
Silver (25%)
Gold (25%)
Platinum (25%)
Bronze
49
Enrolled
- Avg Premium$865.89
- Avg ER Contrib$693.71
- Total Mo Premium$42,429
Silver
35
Enrolled
- Avg Premium$1,207.30
- Avg ER Contrib$806.40
- Total Mo Premium$42,255
Gold
65
Enrolled
- Avg Premium$967.76
- Avg ER Contrib$667.69
- Total Mo Premium$62,904
Platinum
2
Enrolled
- Avg Premium$636.02
- Avg ER Contrib$476.00
- Total Mo Premium$1,272
ICHRA Tier Details
Premium comparison by coverage tier
| Coverage Tier | Group Renewal Premium | Ichra Avg Premium | Monthly Savings | Enrolled |
|---|---|---|---|---|
| Employee Only | $993.42 | $604.69 | $388.73 (39%) | 96 |
| Employee + Spouse | $2,260.60 | $1,086.83 | $1,173.77 (52%) | 15 |
| Employee + Child(ren) | $1,863.19 | $735.25 | $1,127.94 (61%) | 13 |
| Employee + Family | $3,044.33 | $1,793.54 | $1,250.79 (41%) | 27 |
| Weighted Average | $2,040.39 | $985.83 | $1,054.56 (52%) | 151 total |
Coverage TierEmployee Only
Coverage Tier
Employee Only
- Monthly Savings$388.73 (39%)
- Group Renewal Premium$993.42
- Ichra Avg Premium$604.69
- Enrolled92
Coverage TierEmployee + Spouse
Coverage Tier
Employee + Spouse
- Monthly Savings$1,173.77 (52%)
- Group Renewal Premium$2,260.60
- Ichra Avg Premium$1,086.83
- Enrolled12
Coverage TierEmployee + Child(ren)
Coverage Tier
Employee + Child(ren)
- Monthly Savings$1,127.94 (61%)
- Group Renewal Premium$1,863.19
- Ichra Avg Premium$735.25
- Enrolled17
Coverage TierEmployee + Family
Coverage Tier
Employee + Family
- Monthly Savings$1,250.79 (41%)
- Group Renewal Premium$3,044.33
- Ichra Avg Premium$1,793.54
- Enrolled32
Coverage TierWeighted Average
Coverage Tier
Weighted Average
- Monthly Savings$1,054.56 (52%)
- Group Renewal Premium$2,040.39
- Ichra Avg Premium$985.83
- Enrolled153 total
ICHRA plan
| Individual Coverage HRA | |||
|---|---|---|---|
| Average Premium | $985.83 | ▼ | 52% |
| ER Contribution % | 71.59% | ▲ | 17% |
| Total Monthly Premium | $148,861 | ▼ | 40% |
| Monthly ER Contribution | $106,568 | ▼ | 30% |
Group renewal
| End-to-End ICHRA Management | |
|---|---|
| Average Premium | $2,040.39 |
| ER Contribution % | 61.11% |
| Total Monthly Premium | $247,615 |
| Monthly ER Contribution | $151,307 |
*Normalized to 151 enrollees for comparison (down from actual renewal census)
Advocacy team support
90-day engagement over two open enrollments.
Enrollment & Support
1016
Email
73%
Phone
20%
Chat
7%
