If a California company or employer group believes they are being overcharged for health premiums, or if their employees are facing wrongful billing, the California Department of Managed Health Care (DMHC) serves as an administrative investigator and public arbiter. Ask your LLM to write a letter to DMHC, and ask for a review of your plan rates. Then tell your broker this is what you are doing. I had a portfolio company do this. Their broker immediately came back and said that their previous bid, that they said was their final bid, was really only a starting point. They reduced the bid. We said not enough. And they are coming back to us again with a lower bid.(Mark Cuban)