Packages now settle for employer teams with as few as 50 to 150 workers, however headcount is just not the brink that really issues. Captive managers are underwriting on claims credibility, not measurement: they often need to see three to 5 years of steady, dependable loss information earlier than contemplating an employer a superb match, since that historical past is what lets them distinguish a shopper’s real threat profile from statistical noise. Captives additionally count on actual dedication from firm management, notably the CFO, to actively managing healthcare prices and worker well being outcomes going ahead, since all taking part employers draw from the identical shared claims pool. A shopper with risky, skinny, or poorly documented claims historical past, or management tired of ongoing price administration, is just not but a captive candidate no matter headcount, and a dealer ought to display screen for that earlier than elevating the concept.