Spreadsheet: 269753d1381267298-formula-for-calculating-average-cost-in-each-column-of-my-range-given-multiple-criteria-average-cost-given-2-criteria
Sheet: Answers should be these

Employee (E)
Employee + Spouse (ES)
Employee + Child/ren (EC)
Full Family (FF)
E, ES, EC, FF, Blank or Waiving | E, SP, C | Cost
FF |  | 1129.96 | 1129.96 | 713.6 | 684.99 | 596.77 | 592.96 | 569.68 | 537.91 | 370.21 | 369.96 | 906.88 | 640.84 | 547.79 | 409.64
 |  | 1106.08 | 1106.08 | 698.52 | 670.51 | 584.16 | 580.43 | 557.64 | 526.54 | 362.39 | 362.14 | 887.72 | 627.3 | 536.21 | 400.99
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
ES |  | 1057.9 | 1057.9 | 668.1 | 641.31 | 558.72 | 555.15 | 533.35 | 503.61 | 346.6 | 346.37 | 849.05 | 599.97 | 512.86 | 383.52
 |  | 885.56 | 885.56 | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
E |  | 809.59 | 809.59 | 511.28 | 490.78 | 427.58 | 424.85 | 408.16 | 385.4 | 265.25 | 265.07 | 649.76 | 459.15 | 392.48 | 293.5
FF |  | 606.43 | 606.43 | 382.98 | 367.62 | 320.28 | 318.23 | 305.74 | 288.69 | 198.69 | 198.55 | 486.71 | 343.93 | 293.99 | 219.85
 |  | 575.18 | 575.18 | 363.25 | 348.68 | 303.78 | 301.84 | 289.98 | 273.81 | 188.45 | 188.32 | 461.63 | 326.21 | 278.84 | 208.52
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
Waiving |  | 1106.08 |  | 698.52 | 670.51 | 584.16 | 580.43 | 557.64 | 526.54 | 362.39 | 362.14 | 887.72 | 627.3 | 536.21 | 400.99
FF |  | 968.04 | 968.04 | 611.35 | 586.83 | 511.26 | 507.99 | 488.05 | 460.83 | 317.16 | 316.95 | 776.93 | 549.01 | 469.29 | 350.94
 |  | 885.56 | 885.56 | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
Waiving |  | 885.56 |  | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
EC |  | 651.15 | 651.15 | 411.22 | 394.73 | 343.9 | 341.7 | 328.28 | 309.98 | 213.34 | 213.2 | 522.6 | 369.29 | 315.67 | 236.06
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
ES |  | 885.56 | 885.56 | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
 |  | 1178.14 | 1178.14 | 744.03 | 714.2 | 622.22 | 618.25 | 593.97 | 560.84 | 385.99 | 385.74 | 945.55 | 668.17 | 571.15 | 427.11
FF |  | 678.49 | 678.49 | 428.49 | 411.31 | 358.34 | 356.05 | 342.07 | 322.99 | 222.3 | 222.15 | 544.54 | 384.8 | 328.92 | 245.97
 |  | 740.57 | 740.57 | 467.69 | 448.94 | 391.12 | 388.63 | 373.37 | 352.54 | 242.63 | 242.47 | 594.37 | 420.01 | 359.02 | 268.48
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
E |  | 1302.3 | 1302.3 | 822.4399999999999 | 789.46 | 687.79 | 683.4 | 656.56 | 619.95 | 426.67 | 426.39 | 1045.2 | 738.58 | 631.34 | 472.12
Waiving |  | 1302.3 |  | 822.4399999999999 | 789.46 | 687.79 | 683.4 | 656.56 | 619.95 | 426.67 | 426.39 | 1045.2 | 738.58 | 631.34 | 472.12
Waiving |  | 434.1 |  | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
E |  | 1302.3 | 1302.3 | 822.4399999999999 | 789.46 | 687.79 | 683.4 | 656.56 | 619.95 | 426.67 | 426.39 | 1045.2 | 738.58 | 631.34 | 472.12
FF |  | 885.56 | 885.56 | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
 |  | 968.04 | 968.04 | 611.35 | 586.83 | 511.26 | 507.99 | 488.05 | 460.83 | 317.16 | 316.95 | 776.93 | 549.01 | 469.29 | 350.94
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
Waiving |  | 530.47 |  | 335.01 | 321.58 | 280.16 | 278.37 | 267.44 | 252.53 | 173.8 | 173.69 | 425.75 | 300.85 | 257.17 | 192.31
FF |  | 606.43 | 606.43 | 382.98 | 367.62 | 320.28 | 318.23 | 305.74 | 288.69 | 198.69 | 198.55 | 486.71 | 343.93 | 293.99 | 219.85
 |  | 626.84 | 626.84 | 395.87 | 380 | 331.06 | 328.95 | 316.03 | 298.4 | 205.37 | 205.24 | 503.09 | 355.51 | 303.89 | 227.25
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
FF |  | 968.04 | 968.04 | 611.35 | 586.83 | 511.26 | 507.99 | 488.05 | 460.83 | 317.16 | 316.95 | 776.93 | 549.01 | 469.29 | 350.94
 |  | 926.8 | 926.8 | 585.3 | 561.83 | 489.48 | 486.35 | 467.25 | 441.2 | 303.65 | 303.45 | 743.83 | 525.62 | 449.3 | 335.99
 |  | 444.52 | 444.52 | 280.73 | 269.47 | 234.77 | 233.27 | 224.11 | 211.61 | 145.64 | 145.54 | 356.77 | 252.11 | 215.5 | 161.15
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
Waiving |  | 885.56 |  | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
E |  | 809.59 | 809.59 | 511.28 | 490.78 | 427.58 | 424.85 | 408.16 | 385.4 | 265.25 | 265.07 | 649.76 | 459.15 | 392.48 | 293.5
FF |  | 1247.16 | 1247.16 | 787.62 | 756.04 | 658.67 | 654.46 | 628.77 | 593.7 | 408.61 | 408.34 | 1000.95 | 707.31 | 604.61 | 452.13
 |  | 1281.46 | 1281.46 | 809.28 | 776.83 | 676.79 | 672.46 | 646.06 | 610.03 | 419.84 | 419.57 | 1028.47 | 726.76 | 621.23 | 464.57
 |  | 444.52 | 444.52 | 280.73 | 269.47 | 234.77 | 233.27 | 224.11 | 211.61 | 145.64 | 145.54 | 356.77 | 252.11 | 215.5 | 161.15
 |  | 444.52 | 444.52 | 280.73 | 269.47 | 234.77 | 233.27 | 224.11 | 211.61 | 145.64 | 145.54 | 356.77 | 252.11 | 215.5 | 161.15
Waiving |  | 1302.3 |  | 822.4399999999999 | 789.46 | 687.79 | 683.4 | 656.56 | 619.95 | 426.67 | 426.39 | 1045.2 | 738.58 | 631.34 | 472.12
Waiving |  | 547.83 |  | 345.97 | 332.1 | 289.33 | 287.48 | 276.2 | 260.79 | 179.49 | 179.37 | 439.68 | 310.7 | 265.58 | 198.61
Waiving |  | 626.84 |  | 395.87 | 380 | 331.06 | 328.95 | 316.03 | 298.4 | 205.37 | 205.24 | 503.09 | 355.51 | 303.89 | 227.25
EC |  | 520.05 | 520.05 | 328.43 | 315.26 | 274.66 | 272.91 | 262.19 | 247.57 | 170.39 | 170.27 | 417.38 | 294.94 | 252.12 | 188.54
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
ES |  | 1012.75 | 1012.75 | 639.58 | 613.9399999999999 | 534.87 | 531.46 | 510.59 | 482.11 | 331.81 | 331.59 | 812.81 | 574.37 | 490.97 | 367.15
 |  | 885.56 | 885.56 | 559.26 | 536.83 | 467.7 | 464.71 | 446.46 | 421.57 | 290.14 | 289.94 | 710.73 | 502.23 | 429.31 | 321.04
E |  | 526.99 | 526.99 | 332.81 | 319.47 | 278.33 | 276.55 | 265.69 | 250.87 | 172.66 | 172.55 | 422.95 | 298.88 | 255.48 | 191.05
Waiving |  | 503.12 |  | 317.74 | 305 | 265.72 | 264.02 | 253.65 | 239.51 | 164.84 | 164.73 | 403.8 | 285.34 | 243.91 | 182.4
FF |  | 709.75 | 709.75 | 448.23 | 430.26 | 374.85 | 372.45 | 357.83 | 337.87 | 232.54 | 232.38 | 569.63 | 402.53 | 344.08 | 257.31
 |  | 678.49 | 678.49 | 428.49 | 411.31 | 358.34 | 356.05 | 342.07 | 322.99 | 222.3 | 222.15 | 544.54 | 384.8 | 328.92 | 245.97
 |  | 435.83 | 435.83 | 275.24 | 264.21 | 230.18 | 228.71 | 219.73 | 207.48 | 142.79 | 142.7 | 349.79 | 247.18 | 211.29 | 158
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
EC |  | 1057.9 | 1057.9 | 668.1 | 641.31 | 558.72 | 555.15 | 533.35 | 503.61 | 346.6 | 346.37 | 849.05 | 599.97 | 512.86 | 383.52
 |  | 434.1 | 434.1 | 274.15 | 263.16 | 229.27 | 227.8 | 218.86 | 206.65 | 142.23 | 142.13 | 348.4 | 246.2 | 210.45 | 157.38
 |  | 275.65 | 275.65 | 174.08 | 167.1 | 145.58 | 144.65 | 138.97 | 131.22 | 90.31 | 90.25 | 221.23 | 156.33 | 133.63 | 99.93
E
ES
EC
FF