Sample data
Lowe's · Employer portal

Financial Impact & Opportunity

Consolidated CFO view: investment, validated value, payback and performance metrics.

Medical Offsets
23.0% of total
$112.9M

Modeled reductions in medical expenditures associated with improved employee health outcomes.

· 2.2% utilization reduction per member/year
· $75 estimated savings per member/year
View Medical Offset Breakdown
Workforce Value
77.0% of total
$377.1M

Modeled employer value associated with workforce productivity, attendance, and employee engagement.

· Cost avoidance: $14.17M (OT + temp labor)
· Productivity value: $16.62M (recovered + on-the-job)
View Workforce Value Breakdown
GLP-1 drug spending
$21.89M
48,654 member-months
Observed
Program fee
$29.16M
$5,400 / member
Observed
Combined cost
$51.05M
before adjustments
Observed

10-Year Economic Outlook

Sample data

Drag any point to reshape a curve. Hover any month for detailed values and the economic value breakdown. Crossover years recompute automatically.

Illustrative Financial Model — Subject to Assumptions and Validation
$0M$100M$200M$300M$400M$500M12345678910Program year
Without PayRX
With PayRX
Modeled Employer Value
Value crosses payments
≈ Year 3.4
Value crosses gross cost
≈ Year 7.0
Payments cross gross cost
≈ Year 8.9
Cumulative Modeled Employer Value
Year 10 · Month 12
$490.0M
Medical Offsets
$112.9M
23.0% of total
Workforce Value
$377.1M
77.0% of total

Illustrative allocation of modeled employer value. Medical offsets reflect a demonstration allocation and are not derived from the underlying PayRX medical utilization model.

Values are illustrative. No underlying annual model or calculation logic. This is a separate demonstration scenario from the spending examples above.

Workforce Value Breakdown

Cost Avoidance and Productivity Value are distinct categories. Combined total represents estimated economic value, not realized cash savings.

Cost AvoidanceModeled
Overtime costs avoided$9.19M
Temp / relief labor avoided$4.98M
Total cost avoidance$14.17M
Productivity ValueModeled
Uncovered work recovered$2.30M
On-the-job productivity value$14.32M
Total productivity value$16.62M

Productivity value remains modeled in both views. Manager submissions cover cost avoidance only.

Combined Modeled Financial Impact· over 12 months
$30.79M
CA 46%
PV 54%
Cost Avoidance: $14.17M (46.0%)Productivity Value: $16.62M (54.0%)
Overtime costs avoided
$9.19M
Temp / relief labor avoided
$4.98M
Uncovered work recovered
$2.30M
On-the-job productivity value
$14.32M
Avoided medical costs (separate, not in combined total)Modeled
$9.22M
Validation status detailTap status to toggle modeled line items
Overtime costs avoided$9.19M
Temp / relief labor avoided$4.98M
Uncovered work recovered$2.30M
On-the-job productivity value$14.32M
Avoided medical costs$9.22M

All items are modeled. Toggle simulates which values Finance has confirmed. See Manager Data & Validation for employer-reported inputs.

Adjustable program fees

$5,400
25%
Performance-based fee adjustment
Total program fee$29.16M
Fee at risk$7.29M25%
Targets4 of 5 met
Adjustment−$1.46M1 unmet
Adjusted fee$27.70M95% of original

Whether the adjustment is a credit, refund or withheld payment depends on the agreement.

Financing scenarios

Counted investment
Program fee$29.16Mover 12 months
Total investment$29.16M
Financial perspective
Net value (Budget dollars)
−$14.99M
Validated value minus counted investment
Save this scenario

Save the current assumptions as a named scenario for side-by-side comparison.

Financial performance metrics

Illustrative · Year 1
EPS impact
Without PayRx
$0.04
/share
With PayRx
$0.05
/share
Lower
$0.01
/share

Illustrative and conditional on accounting recognition following the assumed payment profile.

EBITDA impact
Without PayRx
$5M
pretax
With PayRx
$1.5M
pretax
Lower
$3.5M
exposure

Timing illustration, not a reduction in total program cost. Consistent with the chart's Year 1 amounts.

·

All figures illustrative · synthetic data · not validated financial results

Employee Privacy Protected by Design

Employer reporting is designed to present aggregate workforce and health-program insights without exposing individual clinical records. Small-group reporting restrictions help reduce the risk of employee identification.

Sample dataPrivacy-restricted reporting

Aggregated information is not described as HIPAA-de-identified unless applicable de-identification requirements have been satisfied and verified.

Sample Data — Demonstration Only. Fictional data, not actual patient records or validated outcomes.