EPIQ is a flat-fee benefits and risk consultancy. We're paid by you — never by carriers — to forecast costs 12 months ahead, engineer smarter plans, and put the savings back on your P&L. Predictable renewals. Confident decisions. A team that stays in the work all year.
SAIL™ Live · Morbidity Risk
Predicting1.22
22% Above-Average Risk
4.1%
PCP trend
7.9%
No PCP
$4M+
3-yr client savings
Independent since 2007 — built to outlast market cycles.
Senior strategists on every account.
Las Vegas · Long Beach · Sandy.
Zero carrier kickbacks. Ever.
100%
Independent & Fiduciary Focused
Data-Driven
Custom Risk & Benefit Modeling
End-to-End
Institutional Benefits & Risk Strategy
Trusted Advisor for Mid-Market & Enterprise Employers
Executive Spotlight
“We don't sell policies; we engineer financial stability. We use Gradient AI and TOIC analytics to identify cost drivers before they hit your P&L.”
Brian Ullrich — Founder & Managing Principal
20+ Years · Independent Since 2007
The EPIQ Team
Every account is backed by named practice leads — not a rotating service queue.
Dana
Client Services Lead — Benefits
Owns day-to-day benefits execution — renewals, escalations, and plan performance reviews.
BriAnne
Client Services Lead — Property & Casualty
Runs the P&C book end to end, from carrier negotiations to claims advocacy.
Ryan
Mid-Market Production Lead
Leads new-client development and diligence for mid-market employers.
Stan
IT & Cyber Compliance
Keeps our data pipeline, HIPAA posture, and SOC-aligned controls audit-ready.
Melissa
Small Group & Medicare Team Lead
Anchors small-group strategy and Medicare guidance for employees and retirees.
Partner Network
EPIQ has no ownership ties to any carrier, network, or vendor. When client work calls for deep specialty expertise, we coordinate a vetted bench of independent partners — and stay accountable for the outcome.
Compliance advisory for self-funded plans
Independent specialists in ERISA fiduciary duties, HIPAA privacy and security, ACA reporting, Form 5500 filings, and plan documents. They handle the regulatory backbone of every EPIQ self-funded engagement.
Visit thecomplianceplan.com →Workplace wellness & work-life balance
Wellness programming and work-life balance support for employee populations — turning what our analytics identify into engagement employees actually feel.
Visit workwellwellremedies.com →Partner firms are independent companies. EPIQ receives no compensation from any partner, carrier, or vendor.
Predictive Intelligence in Action
Two live signals from the EPIQ analytics stack: a SAIL™ morbidity score forecasting the next 12 months, and a trend-rate comparison proving the dollar value of clinical compliance.
Signal 01 · SAIL™ Morbidity Dial
Live1.22
Morbidity Score
Forecast Callout
SAIL Score: predicting 22% above-average morbidity risk for the next 12 months.
Signal 02 · Annual Trend Rate
PCP ComplianceCost trajectory of clinically engaged vs. disengaged populations.
Signal 03 · Macro Plan Performance Review
2026 Report MetricsTotal Claims PEPM — EPIQ Account vs. National Benchmark
Our client's actual spend runs 27% BELOW the national benchmark, saving companies an average of $288 per employee, per month.
While national healthcare trends spike in the 9%–10% range, our data-driven interventions held overall medical claims to a -2% absolute decrease year-over-year.
The Impact · 3-Year Projection
Projected 3-year claims value difference: $4,000,000+
Compounding the 3.8-point trend gap across a typical mid-market book yields a multi-million-dollar swing in PMPY claims spend — money that stays on your P&L instead of going to the carrier.
Or call 866.550.7475
Privacy & Security. All analytics are performed on de-identified data in 100% compliance with HIPAA regulations.
Why EPIQ
Too many employers get the same routine every year: a late renewal, higher numbers, fewer options, and a compensation model that rewards the status quo.
EPIQ was built as the alternative. We stripped out hidden carrier overrides, built the model around a flat fee, and stay close enough to the account to tell you what is really driving cost, risk, and employee frustration.
You are not hiring us to “shop the market.” You are hiring us to protect the company, defend every dollar, and solve the issues that keep showing up long after the renewal meeting ends.
More about our approach
What Makes Us Different
No hidden carrier money. No quiet overrides. No production bonuses for placing business with the “right” carrier. If we recommend it, it is because we believe it is the right move for the client.
You are not buying a national logo and getting handed off to a junior team. You are working with experienced people who know the account, know the numbers, and stay involved when the work gets hard.
Claims disputes, compliance documents, audits, employee issues, midyear changes, funding decisions, renewal strategy — this is where value gets created. We do not disappear after implementation.
Who We Serve
Our core benefits consulting work is centered on employers with roughly 50 to 2,500 employees, especially organizations that have outgrown commodity broker service and need sharper strategy, tighter execution, and more accountability.
We are especially relevant for multi-site employers and organizations operating in healthcare, hospitality, manufacturing, dental, and other workforce-driven businesses.
What We Do
Every engagement starts with a conversation, not a quote — and the recommendation follows the facts, not a carrier template.
Our SAIL™ and TOIC engines transform four years of claims data into a forward-looking risk forecast. We identify cost drivers, gaps in care, and high-cost Rx patterns 12 months before they hit your renewal — so we can intervene, not just report.
Medical, dental, vision, life, disability, and supplemental programs designed around your workforce, claims experience, and economic reality — not a carrier template. Fully insured, level-funded, self-funded, captive, and custom network strategies built to maximize every dollar spent.
We help employers assess what risk belongs on the balance sheet, what should be transferred, and what should be fixed operationally. The objective is straightforward: reduce avoidable exposure, protect continuity, and make risk decisions with eyes open.
The Intelligence Engine
Most brokers look at where you've been. We look at exactly where you are going. By leveraging Gradient AI and Cedar Gate analytics, we transform raw data into a tactical advantage for your balance sheet.
We utilize a proprietary SAIL (Strategic Analytics & Intelligent Logistics) model to identify future healthcare costs before they hit your renewal. By evaluating four years of claims data against weighted demographic categories, we generate a 12-month risk forecast.
High scores indicate predicted risk, allowing us to segment populations and implement care management up to a year in advance.
We distinguish between demographic risk (age/gender) and morbidity risk (health conditions) to understand the “why” behind your cost increases.
Proof Point · SAIL Score
1.22
Morbidity Score
SAIL predicted a 22% above-average morbidity risk for this group. We used the data to implement targeted Rx intervention, protecting the client from a six-figure renewal spike.
Proof Point · PMPY Claims
Data-driven proof: engaging employees in preventive care generates a 13.5% annual cost difference — roughly $4M+ in claims value over three years for this client.
Our PCP Compliance Analysis identifies the direct correlation between employee health engagement and your bottom line.
Employees with annual Primary Care Physician visits experience an annual trend rate of 4.1%, compared to 7.9% for non-compliant members.
On average, spouses with annual PCP visits experience 18.3% lower claims costs.
Our analytics identify exactly how many gaps in care exist in your population, allowing us to target chronic care guidelines and prevent large claims before they happen.
The Savings · Verified
$4.0M+
Claims Value identified
Over a 3-year engagement window
Forecast accuracy
94%
SAIL™ vs. realized claims
Trend bent
−3.8 pts
Year-over-year cost trend
Gaps closed
1,200+
Care interventions deployed
Specialty Rx forensics, catastrophic risk stratification, and ER redirection — see the full engine.
Privacy & Security. All analytics are performed on de-identified data in 100% compliance with HIPAA regulations. We use institutional-grade AI to protect your employees' privacy while protecting your company's margins.
Truth in Compensation
Most employers have never seen what their broker actually earns. Here is the difference between the system you have been sold and the way EPIQ runs.
How they get paid
Traditional Broker
Carrier-paid
The EPIQ Model
Client-paid · 100% Flat-Fee
Compensation structure
% of premium commission — they earn more when your premium goes up.
Flat fee, agreed in writing. Our pay does not move with your premium.
Carrier overrides & bonuses
Hidden contingent commissions, production bonuses, trips, and overrides.
Zero. We refuse all carrier kickbacks, bonuses, and override programs.
Whose interest is served
Carrier first. Broker second. Employer last.
Employer. Period. We have no other paymaster to keep happy.
Service cadence
Reactive — phone goes quiet between renewals.
Year-round advocacy: claims, compliance, audits, employee escalations.
Data & analytics
Carrier-supplied report cards. Rear-view.
Predictive SAIL™ + TOIC modeling. Forward-looking.
Renewal posture
Re-market the same plan to the same carriers.
Re-engineer the plan, the funding model, and the network.
Resources
Sample analytics from real client engagements, plus plain-English notes from the EPIQ team on benefits, risk, and the broker-carrier system.
Sample Reports
Real outputs from the SAIL™ predictive engine and TOIC PCP compliance analysis. De-identified, in PDF, ready to inspect.
Insights
Sharp, opinionated, useful. Notes on benefits, risk, cyber, and the broker-carrier system clients are stuck inside.
How We Work
Four steps that put strategy ahead of selling — and keep us in the work long after the renewal meeting ends.
We learn the business, the workforce, the recurring pain points, and the financial pressure points first. We do not start with a quote, a deck, or a canned recommendation.
Claims, demographics, plan structure, market conditions, employee friction, carrier behavior — we analyze the full picture before recommending a path.
That may mean staying fully insured, moving to level-funded or self-funded, restructuring networks, redesigning contributions, or reworking P&C and risk protections. The recommendation follows the facts.
Open enrollment, claims escalations, compliance paperwork, audits, ACA filings, employee questions, midyear issues — this is where most firms get thin. We do not.
Client Perspective
Our clients don't talk about service in the abstract. They talk about the claims issue that finally got resolved, the renewal spike that never arrived, and the first budget season without surprises.
"I have worked with Brian Ullrich and EPIQ Risk Management as a trusted business partner in the truest sense of the term for over 12 years. … I receive dozens of solicitations from Risk and Benefits consultants each year. I don't give any of them a second thought, because each year Brian and his team outdo their prior year's performance."
Victoria Gonzales
VP of HR, TRISTAR Risk Management
"EPIQ has been a tremendous asset to our company. They are constantly working to keep us ahead of the trends and are not afraid to think outside the box to find solutions that benefit our employees and our bottom line."
Brett Zall
VP of HR, Fowler Packing
"EPIQ Risk Management has been the best partner — not only in helping us find the perfect health plans tailored to our specific needs, but also in identifying creative, cost-saving options. … Their service is unmatched, making us feel like we're their only client."
Katie Tanner
VP of HR, Amplifier
"Their clear communication and thorough explanations have made even the most complex insurance matters easy to grasp. I wholeheartedly recommend EPIQ Risk Management to any organization seeking a reliable and compassionate ally."
Angela Melo
Benefits Manager, PACS
More client outcomes
"EPIQ identified a $4.0M cost difference over 3 years by surfacing gaps in care our previous broker missed entirely."
CFO
Family-owned hospitality group · 1,400 employees
"We had a six-figure claims issue that prior brokers told us to absorb. EPIQ worked it until it was overturned."
Controller
Dental practice group · 22 locations
Locations
Las Vegas serves as our headquarters, with offices in Long Beach and Sandy supporting a regional boutique footprint. The promise behind the addresses is simpler: direct access to one engaged team — never a handoff-driven service model.
Final Word
A 30-minute forensic benchmark against our 20-million-member database. No pitch decks. No follow-up flood. Just hard financial data.
