How this settles: Gross savings = (benchmark − actual) PMPM × lives × 12. Sharing is gated by the minimum savings rate — first-dollar shares all savings once MSR is met; threshold shares only savings above the MSR band. Truncation removes catastrophic outliers, the provider share split applies, the quality withhold is earned back per the quality score, the risk corridor caps savings as a percent of benchmark, and the IBNR reserve is held back. This is a planning model, not a contract; final settlement follows your executed agreement.