Financial Optimization
Analyze healthcare spend, claims, pharmacy, funding, contracts, vendors and benchmarking to show where the dollars are going.
Employee Benefits Consulting · NJ/NY National
Reduce healthcare costs without reducing employee benefits.
Healthcare is one of the largest controllable expenses on your income statement, yet most employers have never had it Objectively analyzed.
The Benefits Optimization Report (BOR) evaluates where your healthcare dollars are going, identifies opportunities for financial optimization, and uses predictive analytics to identify emerging health risks within your employee population.
Learn whether a Benefits Optimization Report makes sense for your organization. No cost. No obligation. For employers with 20 or more employees.
Brian Pinto
Experienced employee benefits consultant.
Brian Pinto is an employee benefits consultant with more than two decades of experience helping employers evaluate healthcare costs, plan performance and benefits strategy. Working within a large national benefits consulting organization, Brian combines a highly personal, value-first approach with access to extensive analytical, actuarial, pharmacy, compliance and client-service resources.
The personal attention of a single consultant, with the analytical, actuarial, pharmacy, compliance, underwriting and technology resources of a substantial benefits consulting organization behind the work.
Referred for a Benefits Optimization Report?
If your CPA, financial advisor or strategic partner recommended a Benefits Optimization Report, start with a 20-minute conversation with Brian.
Value before the sales process
Understand the opportunity before deciding whether to make a change.
Assessment first. Decision second.
Lead with insight, not an insurance quote.
Brian begins by helping leadership understand the current benefits program before asking anyone to make a change. The Benefits Optimization Report demonstrates expertise through analysis rather than a sales presentation, and many employers learn their program is already competitive.
25+ years of experience, including leadership roles with
MercerAonUSICBIZ
Firm names are listed to describe Brian's professional background. No endorsement is implied.
Two Different Roles
A broker shops insurance. A strategic advisor manages the expense.
Traditional Broker
- Shops insurance annually
- Focuses on the renewal
- Quotes plans
- Reacts to problems
- Measures premiums
Strategic Advisor
- Uses claims analytics
- Builds a multiyear strategy
- Evaluates funding alternatives
- Improves EBITDA
- Optimizes total healthcare spend
Who Brian Works With
Your data. Different conversation.
Employers
Rising costs, funding alternatives, compliance, pharmacy spend and renewal strategy.
Learn moreCFOs & Finance
EBITDA impact, forecasting, fiduciary protection and vendor accountability.
Learn moreHR Leaders
Easier renewals, better communication and far less administrative burden.
Learn moreCPA Firms
More client value and a new revenue line without becoming a benefits expert.
Learn moreThe Benefits Optimization Report
A clear process, not a sales cycle.
Five steps, about 90 minutes of your time, and a written report you own. The employer receives the report and decides what happens next.
A Benefits Optimization Report represents approximately $2,500 to $5,000 of consulting analysis. For qualified employers introduced through participating strategic partners, the consulting fee may be waived.
See the BOR in detail- 01Discovery
A 20-minute conversation about your objectives, concerns and timing.
- 02Data Collection
Relevant plan, claims, pharmacy, financial, vendor and contract information, under an NDA.
- 03Analysis
Financial optimization, benchmarking, funding, pharmacy, compliance and predictive population health analysis where applicable.
- 04Executive Findings
A 60-minute executive presentation accompanied by the written Benefits Optimization Report.
- 05Strategic Roadmap
Prioritized recommendations and a multi-year strategy. You receive the written report and decide what happens next.
What the BOR Delivers
Financial analysis, clinical intelligence, and a strategy.
Historical claims tell you what happened. Predictive analytics help identify where risk may be developing. Strategy determines what to do next.
Predictive Health Analytics
Use data and predictive analytics to identify emerging health risks and opportunities within your employee population.
Multi-Year Strategy
Translate the financial and clinical findings into a prioritized benefits strategy and implementation roadmap.
Advisory Services
The work behind the number on your income statement.
Benefits Optimization Report (BOR)
The core employer deliverable: an Objective, executive-level analysis of your healthcare program, combining financial optimization, predictive population health analytics and a multi-year strategy.
Learn morePredictive Health Analytics
Historical claims tell you what happened. Predictive analytics help identify where clinical risk may be developing and which cost drivers are likely to emerge next, so wellness and care strategies target real behavior change.
Funding Strategy Evaluation
Fully insured, level funded, self funded or captive, modeled against your risk tolerance.
Benchmarking
See how your plan design and spend compare to peers by size, industry and region.
Executive Benefits Roadmap
A multiyear plan aligning benefits with talent, finance and growth objectives.
Compliance Review
ACA, ERISA and CAA 2021 fiduciary governance: documented, calendared and defensible.
Renewal Strategy
Move from reactive renewals to a disciplined negotiation process that starts six months before your renewal date.
M&A Benefits Due Diligence Reports
Evaluate benefits liabilities, integration risks and cost exposures during mergers, acquisitions and divestitures.
PEO Comparison & Marketing Analysis
Compare your current PEO to other certified PEOs, or to a direct carrier relationship, measuring your medical rates against PEO master plan pricing.
Learn moreBy Industry
Benefits Optimization, applied to how your business actually runs.
The methodology is consistent. What changes is the workforce, the economics and the operating environment it is applied to.
Representative Results
What the analysis actually produces.
12% → 4%
Renewal increase
Manufacturing · 340 employees
Renewal increase reduced to the low single digits and a repeatable multiyear cost model finance now owns.
18–22%
Pharmacy spend reduction
Professional services · 120 employees
Pharmacy cost reduction in the high teens, with rebate dollars flowing back to the plan instead of the vendor.
$310K
Annual cost avoided
Distribution · 620 employees
A board-ready side-by-side that settled the question with evidence and removed six figures of annual cost.
Results are representative of past engagements and are shown without client names to protect confidentiality. Outcomes depend on plan data, funding structure and market conditions, and are not a guarantee of future results.
How Brian Works
No assumptions. Only data.
Objective
Recommendations begin with your company's data, not a predetermined insurance carrier or product.
Strategic
Every recommendation is designed with both immediate savings and a multiyear strategy in mind.
Collaborative
Brian works alongside ownership, finance, HR, and your existing advisors to build the best long-term solution.
Transparent
Recommendations are backed by data, documented assumptions, and measurable financial impact.
About Brian
Healthcare is a business expense that deserves management.
For more than 25 years, I have helped employers make better financial decisions about one of their largest operating expenses. That work includes leadership roles with Mercer, Aon, USI and CBIZ, advising companies of 20 to 2,500 employees across manufacturing, professional services, construction, distribution, nonprofits, healthcare, technology and financial services.
I am not a traditional insurance broker. I represent the employer, I start with your data, and I am measured on the financial outcome rather than the transaction.
More about BrianBrian is the rare advisor who leads with questions instead of answers. He listens for what the business is actually trying to solve, then holds people accountable to the plan they said they wanted. That combination of curiosity and follow-through is why executives trust him with hard decisions.
For CPAs, Banks, Private Equity & Advisory Partners
Bring your clients a financial answer on an expense they cannot explain.
The Benefits Optimization Alliance (BOA) lets your firm add benefits advisory without building a benefits practice. Your client receives an Objective financial and clinical assessment of one of their largest operating expenses. You keep the relationship. Brian does the analysis.
The introduction is simple: “Take a look at Brian's approach. If it makes sense, have a 20-minute conversation with him.”
What your client will find here
- Who Brian is — an employee benefits consultant with more than two decades of experience.
- What he specializes in — healthcare cost, funding, pharmacy and plan performance.
- How the methodology works — the Benefits Optimization Report, step by step.
- Why it may create value — analysis before any decision to change anything.
- What happens next — a 20-minute conversation, then the client decides.
25+ Years
Advising employers on healthcare spend
20 – 2,500
Employee organizations served
NJ · NY · National
Where clients are located
CFOs · Owners · HR · CPAs
Who sits across the table
Next Step
Find out whether your healthcare spend is working as hard as it should.
One conversation, one data exchange, one written report. You decide what happens next.
Learn whether a Benefits Optimization Report makes sense for your organization. No cost. No obligation.