What the workforce chose

Of 320 eligible workers, 262 enrolled and 58 waived: an 81.9 percent take-up. The number worth managing is inside it: which tiers the 262 chose, and whether the 58 said no because a spouse covers them or because the premium does not fit their paycheck.

RuleReport take-up as a partition: enrolled by tier plus waived by reason, summing to the eligible population. What people chose is what the benefit is worth.

Neverread a high waive rate as savings. Waived-for-spouse-coverage is fine; waived-because-unaffordable is a benefits program failing quietly.

Participation is the only vote workers cast on the program all year. The tiers and the waive reasons below are the ballot.

◆ The choice, partitioned320 eligible, one decision each.

Medical, plan year 2026	Workers
Enrolled	262
Waived	58
Eligible, take-up 81.9%	320

The 320 is the same eligible population the enrollment tracker partitions during the window; this page is what the choices settled into. Every eligible worker lands in exactly one row, so the rate has a denominator nobody can dispute. Sample values are illustrative, never client data.

◆ Enrolled, by tierwhere the 262 landed.

Coverage tier	Workers
Worker only	118
Worker plus spouse	62
Family	82
Enrolled	262

Tier mix drives the employer bill more than headcount does: a family enrollment costs a multiple of a single one. The cost report prices this mix; this page shows the choices underneath it.

◆ Waived, by reasonthe 58 who said no, and why it matters.

Waive reason	Workers
Covered under a spouse	41
Other or undisclosed	17
Waived	58

Forty-one waives with spouse coverage are the system working. Seventeen with no stated reason are the number worth watching: if they cluster in the lowest pay grades, the benefit is priced out of reach for the people who need it most, and the waive rate is measuring affordability, not choice.

◆ The owned answerelections as facts, reasons as data.

Elections and waives are rows with tier, reason, and effective date, on the same population spine every module counts. The facts are drawn on the benefits star, and the model page is the reference.

Use case

Problem

Participation is quoted as one rate with no reasons behind it: waives read as savings, tier mix surprises the budget, and affordability problems hide inside a healthy-looking number.

What we build

Elections partitioned to the eligible population: enrolled by tier, waived by coded reason, cut by grade and department on the shared dimensions.

What you get

A take-up number that means something: the tier mix that actually drives cost, the waives split into fine and worrying, and affordability problems visible before renewal.

What is your waive rate actually measuring?

We build the participation model that splits choice from affordability.

Talk to us

Terms on this page

take-up: Enrolled over eligible; the program’s participation verdict.
tier: The coverage level chosen: worker, plus spouse, family.
waive: An eligible worker declining coverage, with a coded reason.
eligible population: Everyone offered the benefit; the honest denominator.
affordability signal: Unexplained waives clustering in low pay grades.