Zemma · Health Benefits Cost Comparison

Where does your premium actually go?

Set premium per person and company size · then compare traditional health benefits vs. Zemma

Annual health premium per person $3,000

Adjust per-employee premium, then scale company size to show total annual waste vs. healthcare dollars delivered

$500/yr$20,000/yr

Company size 1 employee

Default starts at a single employee so the economics are simple — then scale the team to show magnitude

1 employee500 employees

Traditional: dollars reaching healthcare Zemma: dollars reaching healthcare

Traditional fees

—

Zemma fees

—

Your savings

—

extra to actual healthcare

Traditional payout

—

reaches healthcare

Zemma payout

—

reaches healthcare

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Traditional broker model

Insurance carrier + broker + admin fees

Broker commission —

Insurance carrier margin —

Admin & claims overhead —

Total fees out —

— of every premium dollar

Reaches actual healthcare —

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Zemma

Flat platform fee · No brokers · No pooling

Platform fee (flat 3%) —

Processing (3.15%) —

Insurance (group plan) $20/mo flat

Total fees out —

— of every premium dollar

Reaches actual healthcare —

Traditional model assumptions: 30% of premium goes to broker commission (~10%), insurance carrier margin (~12%), and admin/claims overhead (~8%). Remaining 70% reaches healthcare costs. · Zemma model: Flat 3% platform fee + 3.15% payment processing on health contribution + $240/yr flat insurance per employee (group Travel & Catastrophic). No pooling. Every dollar contributed flows directly into your personal spending account. · Sources: Canadian Life and Health Insurance Association (CLHIA), industry broker commission data.