ILLUSTRATIVE ONLY Every number on this page is invented. Tarnwell Health is a fictional company, and nothing here was drawn from any real company's books, contracts, members, systems, or confidential material. It is a working sample of the contract-margin and unit-economics work SPRCHRGR does, populated with plausible fictional data so the shape of the analysis is real even though the figures are not.
Tarnwell Health PEPM contract economics
ILLUSTRATIVE
AS PRICED

What Tarnwell's PEPM contracts earn once members start using them

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Scorecard
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Covered lives and PEPM, employer by employer Live contracts at Sep 30, 2026 · contract margin over the last twelve months · history, no lever moves it
ACTUALS
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Utilization vs PEPM Visits per member per month against revenue per member · the price is a bet on utilization
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Clinician capacity and staffing cost Clinicians against visit load, Oct 2023 to Sep 2027 · the next twelve months follow the switch
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Employer retention and renewals Go-live cohorts by half-year · the renewal calendar for the next twelve months
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Implementation lag and CAC payback Contract signed → live → revenue · payback measured from the day the money goes out
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Gross margin per member and upsell Revenue, cost and gross profit per member per month · what the add-ons carry
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Exit lens: what this is worth to a buyer A buyer prices care delivery on gross profit, not on ARR · illustrative multiples · pre-tax
Taxes are left out on purpose. Every value here is pre-tax. What an owner keeps after tax depends on deal structure, entity type and state, and that is a conversation for the owner's CPA.
Thinking about a sale or a recapitalization in the next few years? The exit readiness demo walks an owner through add-backs, the working capital peg and cash at close on a fictional distributor.
See the exit readiness demo Talk to Mark about CFOptimize Exit Readiness
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Model notes Read this before quoting any figure above

What it takes to get this on your own numbers

We connect read-only to your accounting, eligibility and visit data, rebuild every contract's margin from your own lives, visits and staffing, and test the utilization each price assumed against what members actually do. Then we put the contract book in the form your board, your lender and your next investor read, and refresh it after every month-end close so utilization drift shows up before the renewal, not after it. That is CFOptimize – accelerate your growth, built for care companies that sell on a per-employee price.

Talk to Mark about CFOptimize – accelerate your growth sprchrgr.com/mwald