Keep your plan. Keep your broker. Lower your cost.
We open the books on your fees, pharmacy, claims waste, and vendors. We document a full fiduciary review and make the language adjustments that move your overall spend. Nothing about your plan, your broker, your carrier, or your TPA has to change.
15-minute look at your overall spend. If we can't show a path to 10% in under 30 days, you don't pay.
Employers with 500 to 10,000 plan participants who want lower cost without disruption
- ✓ You want lower employee benefits spend, not a new plan to explain to employees.
- ✓ You like your broker and want to keep working with them.
- ✓ You want little disruption.
- ✓ You want the savings documented and accountable, not just promised.
plan participants. Outside this range, we can still take a look, we will just tell you honestly if the guarantee program is the right fit.
See what 10% looks like for your plan
Enter your numbers below for an estimate. A real review uses your actual claims, fees, and contracts.
Spend Savings Calculator
A directional estimate of your overall healthcare spend and what 10% would mean for you.
Estimate uses the 2025 KFF Employer Health Benefits Survey: average annual premium of $9,325 for single coverage and $26,993 for family coverage. The mixed estimate uses the midpoint of those two figures. Your actual overall spend, including pharmacy, claims waste, and vendor fees, may be materially higher or lower. A discovery review uses your real numbers.
What we do. What we don't do.
What we do
- Create contract transparency on fees, pharmacy, claims waste, and vendors
- Document the fiduciary review, in writing
- Adjust the language that moves your overall spend
What we don't do
- Rip and replace your broker
- Force a new plan design
- Change your carrier or TPA
A note on "overall spend": we mean your total healthcare and benefits cost, including fees, pharmacy, claims waste, and vendors. Administrative time savings are a bonus and not calculated into the savings.
Four steps. No disruption.
We pull fees, pharmacy pricing, claims data, and vendor contracts into one place.
A written fiduciary review naming exactly where the spend and the risk sit today.
We put the specific changes in place that move overall spend, without replacing your plan or broker.
Ongoing monitoring so the gains hold, and new ones get caught early.
Take the 6-question Governance Gap self-test
The savings path above is about cost. This is about the process behind it, whether your plan's oversight would hold up to a regulator or a plaintiff's attorney today.
15-minute look at your overall spend
If we can't show a path to 10% in under 30 days, you don't pay. Tell us a bit about your plan and we'll follow up to schedule.
Frequently Asked Questions
Then you don't pay. The savings will be realized before you ever pay us.
No. We work alongside your current broker. We don't replace them. Our job is to review the contracts, document the fiduciary review, and make the language adjustments that lower cost. Your broker relationship stays intact.
No. The guarantee is built around your current plan, carrier, and TPA. We are not proposing a new plan design or a new vendor relationship, we are finding the savings inside the one you already have.
A current copy of your plan documents, vendor contracts, and fee data. Most employers can pull this together in a few days. From there, we complete the review and show you the documented path to 10% within 30 days.
We walk through pricing on the call once we know the size and shape of your plan. The short version: it's a flat fee based on the size and scope of your plan, not a cut of the savings. The guarantee alone is worth 3X our fee, and the average client's savings run about 17.5X our fee.
Not from a benefits standpoint. Employees keep the same plan, the same broker, and the same carrier and TPA. The work happens behind the scenes, in contracts, fees, and vendor terms, not in what employees see at open enrollment.
Yes. Plan documents, contracts, and claims data are used only to complete your review and are handled under the confidentiality terms of our engagement agreement. We don't share your data with vendors or other clients.
Many of the employers we work with already do some review. The gap is usually not effort, it's whether that review is documented, independent, and looking at the full picture: fees, pharmacy, claims waste, and vendor terms together. If yours already covers all of that and comes back clean, we'll tell you honestly and there's nothing to sell.