CBP common mistakes
CBP · Understand the traps and how to avoid them.
Treating a lower quoted fee as lower total cost
Required internal work or transition costs may be omitted.
What to do instead
Compare the same scope and time horizon with all relevant specified costs.
Calling a before-and-after change a proven program effect
Selection and concurrent changes can explain some or all of the result.
What to do instead
State the observed relationship and assess the evidence before claiming causation.
Confusing vesting with immediate withdrawal access
Nonforfeitable entitlement and distribution conditions answer separate questions.
What to do instead
Review the relevant vesting and distribution terms independently.
Applying a match percentage to all pay instead of the specified contribution tier
A percentage of employee contributions is not the same as that percentage of total compensation.
What to do instead
Identify eligible compensation, employee election, each tier, and any stated cap.
Applying coinsurance to the billed amount despite a different allowed amount
The stated plan calculation may use the allowed charge and separate balance-billing terms.
What to do instead
Write out allowed amount, deductible, percentage, maxima, and any permitted balance separately.
Assuming an insurer-branded card means the plan is fully insured
A branded administrator can process self-funded claims without assuming all claim risk.
What to do instead
Verify the actual financing and administrative contracts.
Applying a law before identifying the plan and employer
Different arrangements can have distinct applicability and exemptions.
What to do instead
Establish the actual facts and authoritative requirements before processing the event.
Assuming outsourcing eliminates internal accountability
Accurate data, clear responsibilities, monitoring, and evidence still require coordination.
What to do instead
Document preparation, review, delivery, escalation, and confirmation duties.
Treating low utilization as proof of low need
Employees may lack awareness, practical access, affordability, or trust.
What to do instead
Investigate barriers and obtain nonuser perspectives before drawing a conclusion.
Equating repeated sessions with broad workforce reach
Many sessions can be concentrated among a small number of people.
What to do instead
Report distinct users and a relevant eligible denominator alongside intensity.