There are a range of business and employee factors that will impact the overall cost of your employee benefits package. Business related factors often include:
- Group size
 
- Geographic location
 
- Industry
 
- Desired policy options
 
Depending on the type of policy there are other employee factors that will impact the overall cost including:
- Age
 
- Gender
 
- Occupation
 
- Salary
 
Some providers are better at accommodating different risks. For instance if you have an older population or you have a cohort of higher risk occupations.
Given how varied the pricing can be based on demographic and risk it is so important to do your research and compare options from a wide range of providers.