Funding Strategy Evaluation
Fully insured, level funded, self funded or captive, modeled against your risk tolerance.
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, and most employers have never seen it analyzed independently. In many organizations, 10 to 30 percent of current healthcare spending may be avoidable. The Benefits Optimization Review tells you whether that is true for yours.
For employers with 20 or more employees. No cost and no obligation.
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 Review
A clear process, not a sales cycle.
Five steps, about 90 minutes of your time, and a written report you own. If a firm charged for this diagnostic, it would typically run $2,500 to $5,000. For qualified employers, it is complimentary.
See the full review in detail- 01Discovery Meeting
20 minutes on Teams. Your goals, your frustrations, your timeline.
- 02Data Collection
Census, claims, invoices and contracts. An NDA is in place first.
- 03Analysis
Two to three weeks. Cost, funding, pharmacy, compliance and benchmarking.
- 04Findings Presentation
60 minutes. One written report with dollars attached to every finding.
- 05Implementation Roadmap
A prioritized multiyear plan. You decide what to act on.
Advisory Services
The work behind the number on your income statement.
Benefits Optimization Review
The centerpiece engagement: an executive-level review of your healthcare program, including medical and Rx claims analytics and an independent PBM contract review.
Learn moreBenchmarking
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.
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 certified PEOs, or to a direct carrier relationship, measuring your medical rates against PEO master plan pricing.
Learn moreRepresentative 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.
Independent
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 & Accounting Firms
Bring your clients a financial answer on an expense they cannot explain.
The CPA Strategic Alliance lets your firm add real value on healthcare spend without becoming a benefits expert, and includes a documented revenue share agreement. You keep the relationship. I do the analysis.
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.
20-minute conversation. No cost, no obligation, no sales pitch.