Free HR Diagnostic

What is your workforce actually exposing you to?

Enter a handful of numbers about your company. This tool maps them against current federal benchmarks and shows where a mid-market employer quietly carries cost and compliance risk. Every figure below is a cited primary source, not an estimate.

No email required Your numbers never leave your browser About two minutes

Your numbers

Round figures are fine. You can adjust any input after you see the result and it updates live.

Your workforce

The base every calculation scales from.

Total employees

Enter your headcount to run the numbers.

Average annual salary all-in, per employee

Health benefits

Where mid-market employers shift cost onto their people without seeing it.

On employer family coverage30%

On employer single coverage45%

Current annual benefits spend all-in

Wage & hour

Overtime drives 79.4% of federal back-wage exposure.

Headcount that is overtime-eligible (non-exempt)55%

Reviewed your handbook & pay practices in the last 12 months?

Yes No / not sure

Structure & ACA

The employer-mandate test aggregates commonly-owned entities. Many groups qualify without realising it.

Company structure

Single entity Multi-entity / common ownership

Had an HR compliance or wage-hour review recently?

Yes No

Your exposure statement

Here is where the money is quietly moving.

Two kinds of exposure, kept separate on purpose. What your people carry every year, and what one enforcement failure would cost.

Carried by your people, every year

The invisible burden

Cost the mid-market shifts onto employees. It shows up as declined offers and turnover, not as a line on your P&L.

0% of your total payroll

Family-coverage penalty vs a large employerKFF 2025 EHBS · $2,662 per family enrollee$0
Single-coverage deductible risk shifted to staffKFF 2025 EHBS · $961 per single enrollee$0
Next year’s benefits increase aloneBLS ECI 2026 · benefits rising 3.8%, faster than wages$0

One failure away

Contingent penalty exposure

Prices set in federal regulation, not estimates. A single finding, not a worst case.

ACA employer-mandate exposure · status pending

Your overtime-eligible populationDrives 79.4% of all FLSA back-wage exposure0
ACA penalty per employee, unaffordable coverageIRS §4980H(b) · 2026 indexed amount$5,010
One willful or repeated OSHA violationOSHA maximum civil penalty · a single finding$165,514

Risk flags from your answers

How to read this. The model applies published federal benchmarks (KFF 2025, DOL WHD FY2025, BLS ECI, IRS §4980H, OSHA) to your inputs. It is not a prediction or an actuarial estimate. KFF’s mid-market band is firms of 10 to 199 workers; far outside that band, the benefit-gap figure is indicative rather than like-for-like.

See the full picture in a 15-minute review.

Bring these numbers. Lianne Rubbo will walk your exposure line by line and tell you what is worth fixing first, and what is not. No pitch theater.

Book your HR Profit & Risk Review Free. No obligation. HR leadership, led personally.