For employers
You own the plan. You should be able to audit it.
HR and finance leadership are asked to approve seven- and eight-figure decisions on the strength of a renewal package prepared by someone paid on placement. I give you a second read, in writing.
Broker audit
What it is
An independent read on whether the recommendations you are receiving hold up against your own claims experience and the market.
What you receive
A written report: what the renewal math supports, what it does not, where the fee stack sits relative to the market, and what to ask for next.
When it makes sense
Before you accept a renewal, or when a long-standing broker relationship has never been independently tested.
RFP coordination
What it is
I do not run the RFP or hold the carrier relationships. I work with you and your broker on the parts that decide the outcome: what to ask for, how responses are scored, and what the results actually mean.
What you receive
Requirements documentation, a weighted scoring matrix applied consistently across every response, finalist analysis, and a recommendation memo. Your broker runs the distribution and the carrier contact.
When it makes sense
When you are testing the market, consolidating vendors after a transaction, or replacing an incumbent whose service has slipped.
Underwriting and projections
What it is
Renewal analysis, multi-year cost modeling, and plan design comparison built from your own claims data.
What you receive
Rate development review, trend testing, reserve and IBNR adequacy, and modeled plan alternatives with projected cost and employee impact.
When it makes sense
During budget season, ahead of a board presentation, or whenever a multi-year number has to be defended.
Objection
Will this create a fight with my broker?
Usually not, and the reaction itself is informative. A broker doing good work has already run most of this analysis and is generally glad to have it corroborated by someone with no competing interest. It makes their recommendation easier for you to approve.
Resistance to an independent review is rarely about the review. It is about what the review would show.
I am not pitching to replace your broker. I am properly licensed but do not function as a broker — I do not solicit the placement, I do not attend the sale, and I have no downstream revenue tied to which carrier you choose. The report goes to you, and you decide what to do with it.
Fit
Who this fits
Size
I can work with a plan of any size. Most of what I do is built for self-funded plans of 500 or more.
Industries
Deepest experience in hospitals and health systems, manufacturing, and higher education.
Honest limit
On a smaller or fully insured plan there is sometimes less here worth paying for. I will tell you that on the call rather than take the engagement.
Process
How an engagement runs
- 01
Intake and data request
A short call to scope the question, then a specific data request: claims, rate development, contracts, census, current plan documents.
- 02
Analysis
The actual work. I test the math, the assumptions, and the contract terms, and I flag anything that does not reconcile.
- 03
Draft report and review call
You see the draft before anyone else does. We walk it line by line so nothing in the final version surprises you.
- 04
Final report and recommendations
The finished document, written to be handed to a CFO, a board, or an RFP committee without translation.
Project-based, billed hourly. Roughly three concurrent clients.
Next
Send me the renewal and the rate development
Twenty minutes tells us both whether there is work here worth doing.