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Free HR Cost-Analysis Tool

Free Unum & Sedgwick FMLA Cost Savings Calculator

Evaluate your total outsourcing expenditure under PEPM contracts and estimate the savings of automating leave tracking in-house under 2026 guidelines.

Built for growing SMBs2026 TPA BenchmarkingFlat subscription vs PEPM fees
Quick Industry Simulator Presets

Current Leave Profile

250
$4.50
$
Cost Reclaim Summary
Net Annual Reclaimed Savings
$13,437
Save 67.9% compared to traditional TPA
Detailed Breakdown
TPA Direct Fees (PEPM)$13,500/yr
TPA Admin Overhead$6,300/yr
Total TPA Cost$19,800/yr
SoloHR Subscription (HR Ops Team)$4,788/yr
SoloHR Automated Overhead$1,575/yr
Total SoloHR Cost$6,363/yr
Scale automatically:HR Ops Team Plan matched
SoloHR Platform

Ready to transition FMLA back in-house?

Deploy our automated leave workspace to handle intake, verify employee tenure, and generate written eligibility notices with complete legal guardrails.

View Pricing Tiers

Stop paying by headcount

Reclaim ownership over employee FMLA data

FMLA self-management means you no longer wait on third-party reviewers. AI SoloHR links FMLA requests to automated schedules, keeping your administrative overhead to minutes per week.

AI SoloHR dashboard showing active cases, timeline chronologies, and verified FMLA hours balance

Centralized leave workspaces

View remaining rolling backward balances and timeline events in one secure, unified database.

AI SoloHR task board with FMLA case tracking columns and automated warning reminders

Task management for HR cases

Establish task deadlines for document returns and coordinate return-to-work restrictions seamlessly.

Understanding the Hidden Administrative Friction of FMLA TPAs

Third-Party Administrators (TPAs) like Unum, Sedgwick, and MetLife process millions of medical leave claims nationwide. While large enterprise companies leverage their capacity, growing mid-market and small businesses often suffer from complex ticket processing queues.

1. Significant Case Decision Delays

Because TPAs handle claims at an industrial scale, a single employee's request for FMLA hours frequently sits in review for two to three weeks. In the meantime, supervisors are left without clear schedule coverage planning.

2. Rigid Communication Channels

TPAs require employees to log requests through external portals. If an employee struggles to upload a WH-380-E medical certification, the HR department is locked out of assisting them directly, damaging employee trust during vulnerable health events.

Why Modern SaaS Automation Outperforms FMLA Outsourcing

Using cloud-based compliance tracking software allows small HR departments to eliminate TPA delays entirely while preserving legal defense logs in their own database.

1. Real-Time Rolling Balance Computations

Instead of waiting for a monthly report from a TPA, modern software computes rolling 12-month backward FMLA balances instantly upon every log entry. This ensures that intermittent call-outs are checked against active balances automatically.

2. Defensible Paper Trails for Retaliation Audits

If an employee claims wrongful termination, the employer must produce a verifiable chronology. Software creates a timestamped audit log of all eligibility notices, medical warnings, and return agreements automatically.

Recommended Compliance Tools & Guides

FMLA Leave Calculator

Convert FMLA workweeks to precise hours and calculate leave limits.

FMLA Eligibility & FTE

Verify if your business meets the 50-employee FMLA threshold.

FMLA Interference Risk

Evaluate your company's risk of FMLA interference or retaliation.

AI SoloHR

HR case management built for U.S. small businesses handling FMLA, ADA accommodations, employee relations, benefits renewals, and other audit-sensitive workflows.

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Official DOL FMLA Forms & Calculators

DOL Forms Library•WH-380-E (Self)•WH-380-F (Family)•WH-381 (Eligibility Notice)•480-Hour Calculator

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