Data In
Employer-provided benefits information, available benchmarking and analytical tools are combined to help identify potential cost, risk and performance opportunities.
Private Equity Benefits Optimization
Sponsors evaluate every operating expense with discipline. Employee benefits is often the largest expense reviewed the least, because the analysis lives with a broker rather than with the deal team.
Learn whether a Benefits Optimization Report makes sense for your organization. No cost. No obligation.
The Approach
Brian Pinto is an employee benefits consultant who works with private equity sponsors, operating partners and portfolio company CFOs to evaluate healthcare cost, funding structure and plan performance using the same data standards applied to any other cost center.
In a portfolio, benefits decisions compound. A platform company and three add-ons frequently carry three carriers, three pharmacy arrangements, three eligibility rule sets and three renewal calendars. Each one carries its own cost curve, and none of them were designed together.
Benefits Optimization is an assessment methodology, not an insurance product. The work begins with claims, pharmacy, funding and contract data, quantifies what is structural versus what is being accepted, and produces a written view leadership can act on or set aside. Assessment first. Decision second.
Reductions in healthcare spend fall almost entirely to the bottom line. The first step is sizing the opportunity, not recommending a change.
Add-on acquisitions inherit plans, carriers and eligibility rules. We map what consolidating would and would not accomplish financially.
Run-out claims, COBRA populations, stop-loss lasers and open compliance items reviewed before they become the buyer's surprise.
Fully insured, level funded, self funded or captive evaluated against each entity's cash flow, headcount and risk tolerance rather than one portfolio default.
A hold period is measured in years. Cost trend is modeled across the hold, not renewal to renewal.
Broker, PBM, TPA and stop-loss compensation documented, so plan sponsors can show fees were reasonable under CAA 2021.
The deliverable is a written report and an executive summary written in financial language, so the sponsor and the portfolio CFO are reading the same document.
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.
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How the Analysis Works
The Benefits Optimization Report™ combines employer-provided benefits information, available benchmarking and analytical tools to help identify potential cost, risk and performance opportunities.
Employer-provided benefits information, available benchmarking and analytical tools are combined to help identify potential cost, risk and performance opportunities.
Where appropriate, technology and AI-assisted analysis may be used to organize information, identify patterns, model scenarios and support the evaluation process.
Findings and recommendations are reviewed and interpreted through an employee benefits consulting lens before being presented to leadership.
Technology supports the analysis. It does not replace professional judgment.
Employer and benefits data should be handled through appropriate approved systems and processes consistent with applicable privacy, confidentiality and organizational requirements.
Next Step
A 20-minute conversation, a data exchange under NDA, and a written Benefits Optimization Report. You decide what happens next.
Learn whether a Benefits Optimization Report makes sense for your organization. No cost. No obligation.
Analyses, projections, benchmarks and modeled scenarios are intended to support benefits strategy and decision-making and may rely on assumptions, available data and third-party information. Actual results may vary. The Benefits Optimization Report™ does not constitute legal, tax or medical advice.