Quote from Renewal (Composite): Use when the employer has a fully-insured, composite-rated small group plan. No census is needed—enter the employee-only renewal rate for any plan they offer (it doesn’t have to be the current plan).
Quote from Census: Use for new groups, groups without a fully-insured plan (e.g., level-funded), or when you want age-rate detail on the side-by-side.
Both: Use when the group is composite-rated but the enrollment census has changed since the carrier issued renewal.