This is a sample analysis (Family Medicine offer, TX).
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Contract Risk Score
High Risk • Negotiate Before Signing
Red Flags
4
Value at Risk
$186,000
Market Median
$255,000
99 comparable jobs
Your Position
40th pct
This Family Medicine offer sits at the 40th percentile ($235k vs. a $255k market median) with a below-CMS $/wRVU rate and employee-paid malpractice tail — roughly $186,000 at risk over the term. The non-compete is broader than Texas norms but, by statute, must offer a buyout.
Where your offer sits in the market
40th percentileFamily Medicine compensation · TX · based on 99 comparable live postings
The shaded band is the 25th–75th percentile range; the green tick is the market median and the marker shows your offer. Source: live WeekdayDoc comparable postings. Educational, not a compensation survey.
Non-Compete: TX
Limited / negotiableTexas enforces physician non-competes ONLY if they offer a reasonable buyout and patient-access protections. Demand a defined buyout figure.
Reference: Tex. Bus. & Com. Code §15.50(b)
Educational summary of frequently-changing state law — not legal advice. Confirm with a licensed attorney in your state before relying on it.
Value at Risk: $186,000
What this contract could cost you vs. market — itemized.
Below-market base salary (over term)
$20,000/yr below the $255,000 market median × 3-yr term
Below-benchmark $/wRVU rate (over term)
$4/wRVU below the $52 CMS-based median × 5,500 wRVUs × 3 yrs
Tail coverage not employer-paid
Typical claims-made tail premium you’d owe on exit
No signing bonus
Market norm ~$20,000; you have $0
Value at risk is the sum of below-market base (× term), below-benchmark $/wRVU (× term), uncovered tail premium, and below-norm signing/CME — computed from your extracted terms vs. live comparable postings and CMS RVU benchmarks. Educational estimate, not legal or financial advice.
Productivity Pay: Your $/wRVU vs. CMS Benchmark
For physicians & APPs paid on wRVU productivity.
Your rate
$48
CMS median
$52
75th pct (target)
$60
Your $/wRVU is below market.
Verify the math on our CMS RVU calculator →Your Contract vs. Market Standard
| Clause | Yours | Market | Note |
|---|---|---|---|
| Paid time off | 3 weeks | 4–6 weeks | Ask for at least 4 weeks; 6+ is strong. |
| CME allowance | $2,500 | $4,000 + 5 days | Below the ~$4,000 norm — ask to close the gap plus 5 CME days. |
| Signing bonus | None | ~$20,000 (varies $10k–$50k) | No signing bonus — the easiest single ask to add. |
| Malpractice tail coverage | You pay | Employer-paid | Claims-made tail can cost $25k–$50k on exit — push for employer-paid. |
| Non-compete scope | 25 mi / 2 yr | ≤15 mi / ≤1 yr | Broader than typical — negotiate down and confirm the TX buyout amount. |
Your Negotiation Ask Script
- Must-haveEmployer-paid malpractice tail
Target: 100% employer-paid (or vesting over 3 yrs)
Saves ~$40k on exit; employer-paid is the market standard.
- Must-haveRaise base to market
Target: $255,000 (from $235,000)
Your offer is the 40th percentile; the median is $255k.
- Must-haveIncrease productivity rate
Target: $52/wRVU (CMS median)
Your $48/wRVU is below the CMS-based median.
- Nice-to-haveShrink the non-compete
Target: ≤15 miles / 1 year + carve-out
TX requires a buyout; broader terms are negotiable.
- Nice-to-haveAdd a signing bonus
Target: $20,000
Common for Family Medicine; the easiest single add.
- Nice-to-haveSymmetric termination notice
Target: 90 days both ways
The current 180-day clinician notice is one-sided.
Red Flags Found (4)
"Physician shall not practice medicine within twenty-five (25) miles of any Company location for a period of two (2) years following termination."
A 25-mile / 2-year restriction could force you to relocate or stop practicing locally. In Texas this is enforceable only with a reasonable buyout, which isn’t specified here.
Demand the statutory buyout figure in writing, and negotiate toward ≤15 miles and ≤1 year with a carve-out for involuntary termination.
"Physician shall be solely responsible for obtaining and paying for “tail” coverage upon termination of this Agreement."
Claims-made tail coverage commonly costs $25,000–$50,000 — a major hidden cost you’d owe when you leave.
Ask for employer-paid tail, or a vesting schedule that covers 100% after 3 years of service.
"Base annual salary shall be Two Hundred Thirty-Five Thousand Dollars ($235,000.00)."
Your base sits at the 40th percentile for Family Medicine; the market median is about $255,000.
Anchor your ask at the $255k median, citing comparable local postings.
"The Company may terminate this Agreement without cause upon ninety (90) days written notice; Physician may terminate without cause upon one hundred eighty (180) days written notice."
The notice periods are asymmetric — you owe 180 days but the employer only 90. That limits your flexibility.
Request symmetric 90-day notice for both parties.
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