Modeled cost
What it costs: 10 employees, 50% employer split
Employer cost, this team
$250/mo · about $3,000/yr
$25/employee/mo
Employer pays 50% of the employee-only premium; dependents are employee-paid (the most common structure).
| Who's covered | Premium | Employee pays |
|---|---|---|
| Just the employee | $50/mo | $25/mo |
| Employee + spouse | $100/mo | $75/mo |
| Employee + child(ren) | $95/mo | $70/mo |
| Employee + family | $145/mo | $120/mo |
Illustrative premium market-average estimate (NADP/KFF/eHealth/MoneyGeek). Not a MetLife quote — carriers price each company by census, ZIP and design.
Plan design
- Annual max: $1,000 / $2,000 standard; up to $5,000 on richer designs
- Network: PDP Plus, 133,000+ providers (fees ~35–50% below community average)
- Orthodontia: 50%, $1,000–$2,000 lifetime; adult+child on designs that elect it
- Waiting periods: commonly waived for employer groups
Want to flex the headcount, contribution, salary and turnover assumptions? Open the interactive calculator.
Why it pays off
The value for your team
Best for: The established small-to-mid business that values brand trust and network breadth, often bundling dental with vision and life.
Strongest angle: Brand recognition: employees already trust MetLife/PDP Plus, so the benefit signals "we take care of our people" with little explanation.
For a 10-person firm, voluntary turnover quietly costs roughly $12,000 to $28,000 a year (employees × ~13% turnover × salary × ~25% replacement cost). This plan runs about $3,000 a year for the team, so it only has to nudge retention slightly to pay for itself. See the cost of turnover for the full picture.
Honest caveat. The $5,000 max is documented on one richer PEO design, not a universal tier. Ortho is excluded on the lowest designs. Min group size, contribution and participation are quoted per company.
Keep exploring