Calculate the Talent Loss Caused by Poor Oral Health

The Smile™ Talent Loss Calculator estimates the cost of employee turnover linked to inadequate dental benefits, based on what it costs to replace those employees.

Calculate Talent Loss
16%
Annual employee turnover rate in Australia
$64K
Average cost to replace one employee in Australia
82%
U.S. employees view employer-paid dental cover as a critical component of their overall benefits package
23%
Of U.S. employees cited inadequate health benefits as a major reason for quitting

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Employees

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Your organisation's talent loss and Smile™ ROI will appear here.

Talent Loss Due to Inadequate Dental Benefits (up to)
$0
Up to $1,947 per employee per year
  • Employee headcount × 16% annual turnover (AHRI)
  • × 23% inadequate health benefits cited as major reason for quitting (Pew Research Center)
  • × 82% of U.S. workers view dental cover as a critical component of their overall benefits package (Delta Dental, 2023)
  • × $64,527 replacement cost — 50% of the average Australian salary plus 21% employer on-costs (AHRI)

This calculation is a modelled estimate combining international employee-benefits research from countries where employer-paid dental cover is established with Australian turnover and replacement-cost benchmarks.

Talent Loss
Dental-related estimated annual departures 0 employees
Dental-related talent loss (up to) $0
Smile™ Investment — × $99 a year
$0

Every departure you prevent saves around $64,527 in avoided replacement costs — enough to fund Smile™ dental cover for 651 employees for a full year.

This calculation captures direct talent loss only. The full workforce cost is larger. The Smile™ Enterprise Whitepaper shows you how to build the complete business case — the data on poor oral health and benefits, the link between benefits and retention, and the framework for Australian executives to action.

Smile™ Enterprise Dental Cover $99 per employee, per year
FBT-exempt Families included
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What's Inside the Smile™ Enterprise Whitepaper?

The Smile™ Enterprise Whitepaper translates benefits-led retention into a full business case — with the data, U.S. benchmarks, and strategic framework for Australian executives to action.

Key Findings
88%
of job seekers consider better health and dental benefits when evaluating job offers.
70%
of benefit-satisfied — including dental cover — employees report higher loyalty to their employer.
186%
more likely for employees with dental cover to attend routine annual dental visits.
Smile™ Enterprise Dental Cover Whitepaper — U.S. Insights for Australian Enterprises on Dental Cover Benefit Success

Get the full picture

The whitepaper covers the research behind these findings, the link between benefits and talent attraction and retention, the U.S. market insights for employer-paid dental cover, and a ready-made business case for executives.

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Why Smile™ Enterprise Dental Cover is the Benefit Your People Will Value

Dental is a universal, recurring health need for employees and their families — yet 2 in 3 Australian adults avoid or delay dental care mainly because of cost. The need already exists; the gap is access. At the same time, employee expectations are changing. 78% of Australian workers expect their employer to support their health and wellbeing, in and outside of work. Employer-paid dental cover directly addresses this expectation by supporting a health need employees and their families face every year and throughout life.

For $99 per employee per year, Smile™ covers every employee and their family from Day 1, removing access barriers to dental care. Employees receive a benefit they genuinely value and use, while employers gain a distinctive way to strengthen talent attraction and retention, employee satisfaction and engagement, and workforce health, presence and productivity.

U.S. Market Benchmark
95%
of U.S. enterprises with 500+ employees provide employer-paid dental cover.
U.S. Market Benchmark
82%
of U.S. workers view employer-paid dental cover as a critical component of their overall benefits package.
U.S. Market Benchmark
77%
of Americans utilise employer-paid dental cover each year.
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Frequently Asked Questions

The calculator uses Australian workforce benchmarks: 16% annual turnover (AHRI Quarterly Australian Work Outlook, December 2024), $106,657 average full-time annual salary (Australian Bureau of Statistics) plus 21% on-costs (super 12%, workers comp ~1.5%, payroll tax ~5%, leave loading ~2.5%), and a 50% replacement cost factor (AHRI). These are conservative averages — your actual figures may differ depending on industry, role, and seniority.

Employees with extras cover pay expensive cover costs, additional out-of-pocket costs, rising annual cover cost, and more cost to include family plus they're routinely blocked by restrictions such as waiting periods, annual benefit limits, and treatment exclusions. The cost barrier remains standing, and organisations are absorbing the consequences.

Smile™ is employer-paid, FBT-exempt under the ATO's $300 Minor Benefits Exemption (FBTA Act 1986, Section 58P), and covers every employee and their family automatically from Day 1—without employee purchase, opt-in, application or enrolment. There are no waiting periods, no treatment exclusions and no annual benefit limits; pre-existing conditions are covered; and reduced and capped fees apply across all treatments through 4,000+ Smile™ dentists nationwide.

Yes. At $99 per employee per year, Smile™ qualifies as a minor & infrequent benefit under the ATO's $300 Minor Benefits Exemption (Section 58P, FBTAA 1986) making it FBT-exempt — the same threshold that exempts benefits like flu vaccinations.

No. Smile™ is employer-paid, so every employee and their family are covered automatically from Day 1. Two-thirds of Australians avoid or delay dental care mainly because of cost — and when the cover is already paid for, that reason disappears. Employees are 186% more likely to have annual preventive dental visits, and more likely to treat dental issues early instead of delaying care.

Employees end up healthier and in less pain and discomfort, more confident and more productive at work because their employer is supporting them with dental cover that significantly reduces their recurring and expensive family dental costs. This is support that increases retention. And with employer-paid cover, your whole workforce experiences this support and outcomes, not just a small number who may opt-in.