Benefits Optimization Assessment
The centerpiece engagement — an executive-level review of your entire benefits program, including medical and Rx claims analytics and an independent PBM contract review.
Clarity. Compliance. Control. Optimization follows.The Assessment
Independent Benefits Advisory
Better benefits decisions begin with better data.
Helping CFOs and HR leaders uncover the opportunities hidden inside their employee benefits data — through an independent, executive-level assessment.
The Problem
Most employers renew. Very few optimize.
Healthcare has become one of the largest operating expenses on the P&L. Yet many organizations spend more time evaluating office supplies than they do reviewing millions of dollars in healthcare spending.
Renewals become routine. Opportunities remain hidden. The goal is not to change insurance carriers. The goal is to understand your data well enough to make confident business decisions.
Philosophy
People before process. Data before opinions.
Every recommendation should begin with understanding your organization — not selling a product. That means asking questions. Listening. Reviewing your data. Understanding your goals.
Only then should recommendations be made. My role is to help leadership teams make informed decisions based on facts rather than assumptions.
Advisory Services
Not products. Advisory services.
Funding Strategy Evaluation
Fully insured, level, 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 multi-year plan aligning benefits with talent, finance and growth objectives.
Compliance Review
ACA, ERISA, CAA 2021 fiduciary governance — documented, calendared, defensible.
Renewal Strategy
Move from reactive renewals to a disciplined, data-led negotiation process — starting six months in advance of your renewal date.
Population Health
Use data and AI tools to predict the health of your employee population, then build wellness strategies that improve outcomes through true behavior change.
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 CPEOs — or to a direct carrier relationship — measuring your medical rates against PEO master plan pricing. Certified PEOs only.
Signature Service
The Benefits Optimization Assessment.
An executive-level review of your benefits program — independent, data-led, and delivered as a written presentation of findings and recommendations. No obligation to change brokers. No sales pitch.
A diagnostic of this scope would typically be a paid $2,500–$5,000 engagement. It is offered complimentary to qualified employers as a first step.
Begin the Complimentary AssessmentThe Assessment Includes
- —Executive Discovery
- —Current Broker Scope of Services Comparison
- —Claims Analysis
- —Renewal Performance
- —Plan Benchmarking
- —Funding Strategy Review
- —PBM Evaluation
- —Employee Experience Review
- —Compliance Risk
- —Strategic Roadmap
Deliverable: an executive presentation with findings and a strategic roadmap.
What Makes The Process Different
Four principles that shape every engagement.
Independent
No assumptions. Only Data. We represent you not the insurance company.
Strategic
Looking deeper than the renewal into data and a multi year strategy.
Collaborative
Brian is your trusted advisor working along side you to give you clarity.
Transparent
As a agnostic advisor your analysis is supported by your data.
The Process
Five steps. Simple and clear.
- Step 01Meet 20 mins
- Step 02Share your data
- Step 03Brian completes assessment
- Step 0460 mins teams meeting for analysis read out
- Step 05Decide to optimize
No pressure. No obligation. No sales pitch.
Why This Matters To A CFO
Stop discussing insurance. Start discussing business.
Benefits sit on the P&L like any other strategic expense. Treated that way, they become a lever — not a line item you reluctantly renew.
- 01
Do we know where our healthcare dollars are actually going?
- 02
Are we paying more than peers for comparable coverage?
- 03
Is our pharmacy strategy competitive — or leaking rebates?
- 04
Are we managing healthcare as strategically as payroll or finance?
- 05
Do we have measurable accountability from our broker?
- 06
Could better data materially improve future budgeting?
About Brian
Twenty-five years helping leaders make better decisions.
Brian Pinto is a trusted advisor to CFOs, CEOs and HR leaders responsible for employee benefits. For more than two decades he has combined financial analysis, healthcare strategy and servant leadership to help employers make smarter decisions about one of the largest expenses on their P&L.
Away from the desk, Brian is a husband and a father of two young children in elementary school. In 2023 he crossed the finish line at Ironman Lake Placid — a milestone built on the same discipline, patience and long-term mindset he brings to every client engagement.
Brian believes the best benefits conversations begin with honesty, not a sales pitch. If you are a CFO, CEO or HR leader curious about a second opinion on your program, he is always glad to connect and explore whether an assessment makes sense.
- 25+
- Years advising employers
- 20–2,500
- Employee client range
- NJ · NY · National
- Mid-Atlantic roots, national reach
Why CBIZ
“I chose CBIZ because their service model aligns with how I believe clients should be served.”
— Brian Pinto
Ready When You Are
Ready to understand what your data is saying?
Whether you ultimately work with me or not, every employer deserves a clear understanding of how their benefits strategy is performing. Let's start with the data.
Schedule a Complimentary AssessmentComplimentary for qualified employers. No invoice. No obligation.
Start The Conversation
A short note is all it takes to begin.
Send a brief email — a few sentences about your organization and what you'd like to understand about your benefits program. Brian personally replies within one business day.
Direct Email
brian@brianpinto.comService Area
New Jersey · New York · National
Connect
LinkedIn