Internal · Pricing Model
Gallagher Mobile Proposal
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Internal · Gallagher Mobile Pricing Model
Internal · Q2 2026
Internal · Pricing Model · Q2 2026
Gallagher Mobile.
A modern mobile perk
for our member companies.
A modern mobile perk
for our member companies.
A new addition to the Gallagher GPO portfolio: branded mobile service offered through our member companies, delivering ~33% savings for employees on the same network they use today. Fully operated through our platform partner — Gallagher owns the brand, the subscriber relationship, and the residual.
Industry overview
The American workforce. And why mobile benefits are broken.
Mobile service is an unavoidable monthly expense every employee already pays — yet traditional benefits offer no help. This is the gap Gallagher Mobile was built to close for member companies and their employees.
160M+
US workers
People currently employed across all industries in the US (U.S. Bureau of Labor Statistics, 2024)
1 in 3
Employers cover mobile
Only 1 in 3 employers cover any cell phone costs — leaving the majority of employees to pay out of pocket (SHRM, 2023)
$1,080
Annual mobile cost
Average annual out-of-pocket mobile expense per household — 2 lines × $45/mo × 12 (conservative average monthly bill, based on Verizon/AT&T/T-Mobile published rates)
×Households pay ~$90/month out of pocket (2 lines × $45) for mobile service
×Bills go to personal credit cards — no employer involvement
×Traditional carriers capture all the value
×Most benefits are employer-owned and end at separation
×No portability — coverage disappears between jobs
×High admin friction, low perceived value for employees
Introducing
Gallagher Mobile.
A modern mobile perk member companies can offer their employees across every industry. Say goodbye to overpriced mobile service — with portability, flexibility, and real value.
Employee-Paid
Employees enroll and pay for their own service directly — maintaining ownership and control of their accounts.
Employer-Subsidized
Member companies can choose to subsidize any portion of the cost as a perk — from a small contribution to full coverage.
Gallagher-Enabled
Seamlessly offered through Gallagher’s GPO platform to member companies — no employer-owned accounts, no admin overhead.
Key advantage: This model avoids employer-owned accounts and administrative overhead. Member companies offer meaningful support without taking on the complexity of managing employee mobile accounts or dealing with termination logistics.
Product features
What Gallagher Mobile includes.
Designed for member company realities — nationwide coverage, flexible plans, and zero hardware lock-in.
Nationwide 5G coverage
Reliable connectivity across all major networks, giving member companies a compelling mobile benefit to offer their employees.
Unlimited talk & text
No limits on communication, helping employees stay connected with predictable monthly costs.
Flexible data options
Multiple data tiers to match employee usage patterns and budgets.
BYOD support
Employees can bring their own device — no need to change phones or phone numbers.
eSIM compatible
Modern digital activation for supported devices, enabling instant setup for employees.
Self-service portal
Easy account management that reduces administrative overhead for member companies.
Strategic rationale
Why Gallagher. Why now.
Four converging dynamics make this the right moment to add mobile to the Gallagher GPO portfolio.
01
Large, mobile, cost-sensitive workforce
160M+ U.S. workers rely on mobile service as essential infrastructure. Households pay ~$90/month out of pocket (2 lines × $45) — this is an opportunity for member companies to deliver immediate, tangible value.
02
Persistent retention challenge
Across industries, turnover creates a constant need for meaningful benefits that improve loyalty and reduce churn. Traditional benefits don’t always match the realities of a mobile workforce.
03
Mobile is a required utility
Unlike discretionary perks, mobile service is non-negotiable. Employees need it for work coordination, financial access, and family communication. This creates built-in engagement and appreciation.
04
Benefit model built for movement
Gallagher Mobile’s portability aligns with how people move between employers and roles. By allowing employees to keep service across jobs, it solves a friction point static benefit models ignore.
Source: National Restaurant Association · US Bureau of Labor Statistics · Paytronix
The players
Four roles. Everyone wins.
Reach builds and operates the entire mobile platform behind the scenes. Gallagher puts our brand on top and distributes through our GPO. Member companies offer it as a perk to their employees. Employees save ~33% on their mobile bill — for a family of three, that’s hundreds every year.
Reach
Platform
Gallagher
Brand
Employer
Channel
Employee
Subscriber
Reach
Platform partner
A leading MVNE (Mobile Virtual Network Enabler). Operates the entire service behind Gallagher’s brand — network access through Tier-1 carriers, SIM & eSIM activation, billing, FCC compliance, and subscriber support.
What they get
A long-term platform partnership with Gallagher
Gallagher
Brand
Owns the brand and the subscriber relationship. Distributes Gallagher Mobile through the GPO portfolio to member companies.
What we earn
~$7 residual per active line, every month
Member Company
Channel
Offers Gallagher Mobile as a perk to their workforce through Gallagher’s GPO. Zero cost, zero IT burden to operate.
What they get
A no-cost benefit that shows up in recruiting and retention
Employee
Subscriber
Activates a line under Gallagher Mobile instead of paying their current carrier directly. Same network quality.
What they get
~$15/line/mo in real savings — ~$540/yr for a family of three
How it works
Three phases. One scalable revenue stream.
01
Launch the service
A single onboarding investment covers the platform setup, branded storefront, billing engine, and first-year operations support. Service is live in weeks, not years.
02
Operations are handled
Network access, SIM fulfillment, subscriber billing, compliance, and ongoing support are all handled by the platform partner. Gallagher’s focus stays on growing the subscriber base across our member companies.
03
Gallagher earns ~$7 per line
Every active subscriber generates a recurring monthly residual to Gallagher. It compounds as the base grows, and continues for as long as subscribers stay active.
Employee savings
Same network. Same plan. ~33% off every month.
Employees already pay their carrier ~$45 per line. Gallagher delivers the same underlying network and same plan size for ~33% less. That’s ~$15 saved per line, every month — real money back in employees’ pockets.
Today
What employees pay their carrier
~$45
per line · per month
Conservative average monthly bill · Verizon / AT&T / T-Mobile published rates
~33% off
With Gallagher Mobile
Same network. Same plan size.
~$30
per line · per month
Powered by the same big-dog MNO
1 line (individual)
$180/yr saved
2 lines (couple)
$360/yr saved
3 lines (family)
$540/yr saved
4 lines (family+)
$720/yr saved
The punchline
Employees pocket the savings. Member companies earn the goodwill. Gallagher keeps the full residual — ~$7 per active line, every month.
Why member companies say yes
A perk that pays
~$180 to $720/year per employee — depending on how many lines their family has. Real money, not just a discount code.
Same network, lower bill
Same underlying MNO coverage employees already use. No drop in quality — only a drop in the invoice.
Earns loyalty that lasts
Every paycheck, employees see ~$15/line back in their pocket — because of their member company. A visible, monthly reminder of who’s looking out for them.
Payment matrix
How the money flows.
Every active subscriber triggers a simple three-party payment chain. Automatically, every month.
monthly residual
Receives & splits
~$7
residual per sub / mo
Gallagher keeps the full residual
savings pass-through
Member Co.
Passes to employees
~$15
savings per line / mo — in employee pockets
The numbers
What Gallagher earns. Model it yourself.
Adjust lines per household and penetration by year. The model shows total subscribers, annual Gross Margin to Gallagher, and cumulative 5-year returns.
Before modeling · market benchmark
Is our 5% target achievable?
Cable MVNOs have run this same playbook at scale — distributing mobile through their existing customer relationships. Their real penetration curves are what we’re benchmarking against.
Market Proof
Cable MVNOs have proven 20%+ penetration is achievable.
Comcast · Xfinity Mobile
Charter · Spectrum Mobile
Gallagher Mobile · Base (5% by Y5)
Comcast · Xfinity Mobile
16.52%
Household penetration · Year 9
Charter · Spectrum Mobile
22.01%
Household penetration · Year 7
Gallagher Mobile · Base
5.00%
Household penetration · Year 5 (modeled)
Our Base scenario targets 5% by Year 5. Cable MVNOs have proven 20%+ is achievable when mobile is distributed through an existing trusted channel — leaving significant room to outperform. Source: Comcast FY2025 earnings · Charter Q4 2024 results
Penetration scenarios below. Each Year %% represents the share of total addressable market (12M × 2.2 = 26.4M lines) that becomes active subscribers in that year. Tap a scenario to update the chart and table.
try
Subscribers by Year 5
—
active lines on your network
Year 5 penetration
—
of employer base addressed
Gallagher’s Gross Margin
—
cumulative Gross Margin over 5 years
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|
Cumulative Gross Margin
Gallagher cumulative Gross Margin
Year 1 — Year 5
Year 1 — Year 5
Running total based on the selected scenario above — tap a scenario card to update the curve.
Gallagher cumulative Gross Margin
Getting started
Initial Onboarding Fee covers everything for Year 1.
A single $2.5M onboarding fee paid to Reach gets the entire mobile business operational and keeps it running through the critical first year. The fee covers up to three brand instances sharing the same technical plumbing — everything Reach delivers to operationalize the launch is listed below. Any additional brand beyond three is $75k with operational costs flat.
Initial Onboarding Fee · paid to Reach
$2.5M
one-time · covers Year 1 entirely · launch up to 3 brand instances
What Reach delivers for the $2.5M — everything below is included, fully operationalized for Year 1:
✓Full platform setup & branded storefront
✓White-labeled mobile app & subscriber portal
✓SIM + eSIM activation & fulfilment
✓Billing engine & payment processing
✓FCC regulatory management & platform maintenance
✓12 months of First Level subscriber support. Fully managed by Reach, no hiring required.
✓Cross-functional teams included: Operations, Product, QA, Engineering, Accounts & Design
✓Launch three niche brands targeting different employee segments across the employer base, increasing penetration faster
Up to 3 brand instances are included in the $2.5M — all sharing the same technical plumbing, fully operationalized for Year 1. Any additional brand beyond three is $75k, with operational costs flat.
Y2+ Support
~$1 /sub · estimated
Reach can offer L1 support as a managed service, or Gallagher can outsource it. Final cost varies based on hours of support, agent location, and volume.
Employee experience
Simple, employee-owned service.
The entire experience is designed to remove friction and empower employees. From activation to daily use, Gallagher Mobile gives employees a simple, cost-saving benefit that member companies can promote with confidence.
01
Digital activation in minutes
Employees can quickly enroll in Gallagher Mobile with no paperwork or store visits required.
02
No contracts or credit checks
No long-term commitments, hard inquiries, or barriers to entry for employees.
03
Clear, predictable pricing
Transparent costs with no hidden fees or surprise charges.
04
Service belongs to the employee
Employees control and own their mobile service, while member companies simply offer it through the Gallagher platform.
Discovery journey · digital
How member companies share Gallagher Mobile.
We equip member companies with channels and touchpoints to promote Gallagher Mobile to their employees so the benefit stays accessible and top-of-mind.
Day one — just started
First month — getting settled
Long-tenured — been there for years
Onboarding email sequence
Automated 3-email drip (Day 1, Day 7, Day 30) triggered by the member company’s hire date workflow.
SMS / text nudge
Short opt-in text message with a direct signup link that the member company can send.
Anniversary & milestone triggers
Automated re-engagement emails at 30, 60, 90 days and 1-year mark from the member company.
Member company HR portal
Benefit card visible in the employee self-service dashboard flagged as “not enrolled.”
Gallagher in-app banner
Targeted notification surfaced directly in the Gallagher employee app for the member company to promote.
Channels are ordered by implementation effort — lowest lift first. Email-based digital touchpoints can launch immediately with no Gallagher product changes required.
Discovery journey · physical
Tangible touchpoints at the workplace.
In-person touchpoints member companies can use to introduce Gallagher Mobile to their employees at the workplace.
Welcome packet insert
Printed flyer or card included in new-hire onboarding folders by the member company.
Break room poster
Eye-level poster with a QR code linking employees to the signup page.
Table tent / counter card
Small physical card placed in staff areas or near the time clock.
Manager talking points
One-pager given to managers to mention Gallagher Mobile during team meetings or 1:1s.
Paycheck envelope insert
Printed slip included with paper paychecks by the member company.
Seasonal campaigns
Quarterly refresh of physical materials to re-engage long-tenured employees.
“Every touchpoint is designed to meet employees where they already are — whether that’s their phone, their paycheck, or the break room wall.”
Portability
Built to move with the workforce.
Gallagher Mobile follows employees through their career journey. Service and phone numbers remain uninterrupted during transitions. If employees join another Gallagher member company, employer subsidies can seamlessly resume — delivering continuity that traditional benefits cannot match.
1
Member Company A
Using Gallagher Mobile through their employer, receiving subsidy benefit.
2
Job transition
Employee moves to a new opportunity, service continues uninterrupted.
3
Between employers
Employee keeps the same phone number and service — no disruption.
4
Member Company B
Joins another Gallagher member company, subsidy can be automatically reinstated.
5
Leaves the workforce
Employee keeps their number and service at full price — no interruption, no re-enrollment.
This portability transforms mobile service from a job-dependent perk into a career-long benefit that grows more valuable over time.
Technology partner
Why Reach.
Gallagher owns the member-facing experience. Reach handles the telecom. This partnership lets Gallagher focus on the member company and employee experience while Reach ensures reliable network performance and regulatory compliance.
Branded mobile services
Enables Gallagher to offer fully branded mobile programs that member companies can promote at enterprise scale.
Complete infrastructure
Manages network connectivity, billing systems, and payment processing behind the Gallagher Mobile platform.
Support & compliance
Handles customer support, regulatory compliance, and carrier relationships so member companies can offer the benefit without telecom complexity.
Reliability
Built for scale, security, and 24/7 operational excellence.