High Stakes Healthcare
The independent advisor at the Plan Fiduciary's table — never on anyone else's payroll.
If you sponsor a self-funded health plan, you are its fiduciary. Personally. Most executives find out the hard way. We make sure you never do.
We advise the Plan's fiduciary. Not the broker. Not the carrier. Not the TPA. Not the hospital.
The Responsibility Nobody Else Is Protecting
We Advise The Plan's Fiduciary
Every other seat at the table has its own interests to protect. The Plan's Named Fiduciary is the only party legally required to protect Plan assets and participants — and the only party without an independent advisor in the room. That is the seat we serve.
Personal Liability Under ERISA
What Failing To Protect The Plan Actually Costs
ERISA fiduciaries are held to the highest standard of care known in American law. A breach is not a corporate risk — it is a personal one.
Personal Financial Liability
ERISA fiduciaries can, under certain circumstances, be held personally liable for breaches of fiduciary duty.
Class-Action Exposure
Participants are now suing Plan Sponsors directly for excessive PBM spread, hidden broker compensation, and unreasonable fees.
DOL Investigation & Penalties
The Department of Labor can compel document production, assess civil penalties and remove fiduciaries.
Loss Of Board & Executive Confidence
When a breach becomes public, the fiduciaries responsible rarely keep the seat. Reputation and career damage follow the individual.
Uninsurable Conduct
Fiduciary liability insurance does not cover known breaches, willful misconduct, or failure to monitor. 'The broker handled it' is not a defense.
Restoration Of Plan Losses
Courts routinely order fiduciaries to make the Plan whole for overpayments, unreasonable fees, and imprudent vendor selection — plus interest and legal fees.
"I didn't know" is not a defense. "The broker recommended it" is not a defense. Independent oversight is the record that is.
Fiduciary-Aligned Services
How We Serve The Plan
Independent advice for the party legally responsible for the health plan. No commissions. No vendor overrides. No divided loyalties.
The Free Entry Point
The Fiduciary Briefing
You can't protect a responsibility you don't know you have. In one session with your executive team or board, we walk through exactly who your Plan's fiduciary is (spoiler: it's you), what ERISA personally requires of you, what you've already signed and attested to without reading, and what the lawsuits hitting plan sponsors right now mean for your company. Virtual briefings are complimentary. You'll leave knowing precisely where you stand.
Flagship · Flat Fee · Published Pricing
The Fiduciary Risk & Compliance Assessment
A one-time, flat-fee written assessment of your entire plan: governance and delegation documents, plan documents, vendor contracts and fee terms, broker compensation disclosures, gag clause attestations, and an independent review of where your plan's money is actually going — the bleeds your vendors will never show you. You receive a written report with findings, estimated dollar values, and a prioritized fix-it roadmap. It becomes the documented prudent-process record that protects you.
The cost review is advisory analysis of your existing TPA's data — we never touch claims administration.
Recurring · Monthly Flat Fee
The Fiduciary Governance Retainer
Ongoing protection: quarterly fiduciary committee meetings we run and document, an annual vendor oversight calendar, independent review of renewals, fee disclosures, and provider payment demands as they land — and a standing advisor who answers only to you. The written minutes and decision records are the product: they are the evidence of prudent process that ERISA demands.
By Statement of Work
Custom Fiduciary Infrastructure
For employers ready to take direct control: we build internal benefits governance from the ground up — software selection, plan architecture, staff training — scoped as a flat project fee.
Pricing
Transparent Flat Fees — Published, Like Everything Else We Do
Every fee we charge is on this page. Flat. No commissions, no overrides, no percentage of savings, no vendor payments — ever. If your current advisors won't publish their compensation, ask yourself why.
The Fiduciary Briefing
Get The Briefing
plus travel at cost
One-Time Flat Fee
Fiduciary Risk & Compliance Assessment
$8,000 + $20 per covered employee. One time. That's it.
No tiers, no brackets, no "call for pricing." Plug in your headcount — that's your fee.
Every Assessment carries our guarantee: documented findings worth at least 2x our fee, or we keep working free — or credit every dollar. Your choice.
Monthly Flat Fee
Fiduciary Governance Retainer
$1,500/month + $3 per employee per month.
No tiers, no brackets, no "call for pricing." Plug in your headcount — that's your fee.
The Standard We Hold
What Fiduciary Protection Looks Like
Commissions, overrides, or vendor payments accepted. Ever.
Client at the table — the employer responsible for the Plan.
Independent review of every reimbursement demand, contract, and vendor.
Three Decades At The Table
Every Seat At The Table
I've spent more than 30 years inside the healthcare system — from the inside of the chargemaster to the boardroom.
I've worked with hospitals, carriers, TPAs, brokers, PBMs, physicians, and employers. I've negotiated for physicians, sold insurance, built PPO networks, and negotiated stop-loss contracts. And for the last 22 years running my own TPA, I've seen exactly how the system works from every angle.
Today, I work only for the Plan's fiduciary — never for brokers, carriers, or anyone else who profits when the Plan overpays.
Healthcare shouldn't be a gamble. When you understand the game, you stop playing defense and start dealing the cards.
— The High Stakes Philosophy
Skin In The Game
We Don't Accept Carrier Commissions. We Guarantee Value.
We explicitly guarantee that our independent review will uncover at least double our flat consulting fee in verified plan waste, PBM overcharges, or unreasonable reimbursement demands. If we don't, we keep working at zero additional cost until that benchmark is realized.
Who Is Protecting Your Plan?
If you carry fiduciary responsibility for your company's health plan, you deserve counsel that answers only to you. Let's talk about what that looks like.