Childcare Landscape Study - Flipbook - Page 30
Davidson County Child Care Landscape Study Results
17
Full-Time Staff Benefits
Full-time staff receive access to a standard suite of benefits intended to place them broadly
at parity with public school educators. A full list of benefits and their associated costs
appears in Table 5.
The benefits package includes access to a 401(k) retirement plan with a 3 percent employer
match, health insurance, dental and vision insurance, as well as 15 days of paid time off.
The cost of health insurance is assumed to be average for the state of Tennessee and
includes an employer-funded portion, captured in the reported cost, and a worker-funded
premium. The model center covers the entire cost of dental and vision coverage, in line with
current practice at several greater Davidson County providers.
Additionally, staff receive a discount of $1,000 per month when purchasing child care at the
center where they are employed, a common benefit in the field. After Child Care
Workgroup consultation, we assumed that 10 percent of staff would make use of this
discount at any given time.
Table 5: Benefit Package for Full-time Staff
Benefit
Health Insurance
Dental and Vision Insurance
401(k) Match
Annual Cost to Model Center
$6,100 per staff membere
$456 per staff member
3% of wages
Paid Time Off (15 Days)
$0f
Social Security and Medicare Contributions
7.65% of wages
State Worker’s Compensation
1.2% of wagesg
State Unemployment Insurance
Discounted Child Care
1.5% of wagesh
$1000 per staff member requiring child care (assumed to
be 10% of all full-time staff)
Notes: Dental and Vision insurance costs and the amount of the employer 401(k) match were determined according to Child
Care Workgroup input and experience.
e Kaiser Family Foundation. (n.d.). Average Annual Single Premium per Enrolled Employee for Employer-Based Health
Insurance. Costs are scaled to from January 2024 to January 2025 using the Consumer Price Index and rounded to the
nearest $100.
f Workgroup input indicated that workers who take paid time off would not, in practice, be replaced with a substitute staff
member. Instead, other on-site staff, including potentially administrative staff, would step in to maintain appropriate ratios.
In such a case, paid time off creates no estimable cost for the model center.
g ACF Calculator default value for Tennessee.
h ACF Calculator default value for Tennessee.
Prenatal-to-3 Policy Impact Center 2025
www.pn3policy.org
