Benefits Consulting

Mid-size and larger employers, including fully insured, level-funded and self-funded groups.

State and local agencies, authorities and special districts that need a documented, defensible process.

Groups with procurement rules, board approvals and public scrutiny at every step.

Trustees and committees who want independent analysis before they vote.

Anyone who wants an outside review of a renewal, a proposal or their current advisor's recommendations.

We write the specifications, manage the process, answer vendor questions, score the responses side by side and present clear recommendations.

We review claims experience, rate increases and funding options, then compare fully insured, level-funded and self-funded approaches using your numbers.

We assess whether self-funding fits your risk tolerance and cash flow, and review stop-loss terms, contract basis, lasers and specific and aggregate attachment points.

We compare your plan designs and employee contributions to similar employers so you know where you stand before you make changes.

We review plan documents, SPDs, eligibility rules, ACA reporting and required notices, and flag gaps for your counsel to address.

We review administrator and pharmacy benefit manager contracts, fees, rebate terms, performance guarantees and reporting, and help you hold vendors to what they promised.

A defined scope with a set fee and timeline, such as an RFP, a self-funding feasibility study or a compliance review.

Ongoing advisory support through the plan year: renewal strategy, vendor oversight, committee meetings and questions as they come up.

Targeted help when you need it, such as reviewing a single proposal, sitting in on a board meeting or answering a specific question.

Every engagement starts with a written scope and fee agreement, so you know exactly what's included before any work begins.