Services
Three pillars. One flat fee.
Strategic Analytics. Bespoke Benefits. Strategic Risk Management. Every engagement is run on a transparent flat fee — never a percentage of premium, never a carrier override.
Strategic Analytics
Predictive intelligence using Gradient AI and Cedar Gate software. We do not wait for the renewal letter — we model the next 12 months of cost and risk before the carrier does, then act on it.
Inside the pillarBespoke Benefits
Designing plans that fit the workforce — not the carrier's bottom line. Custom plan design, real claims analysis, and the right funding model for your size, demographics, and tolerance for risk.
Inside the pillarStrategic Risk Management
Identifying operational leaks and protecting the balance sheet. Property, casualty, cyber, and specialty programs built around the actual exposures your business carries — not a carrier template.
Inside the pillar01 · Pillar One
Strategic Analytics
Predictive intelligence using Gradient AI and Cedar Gate software. We do not wait for the renewal letter — we model the next 12 months of cost and risk before the carrier does, then act on it.
SAIL™ Predictive Morbidity
Four years of claims and demographic data run through our proprietary SAIL model to produce a forward-looking morbidity score and a 12-month cost forecast.
TOIC PCP Compliance
Identifies the population segments driving claims trend and quantifies the dollar impact of preventive engagement — typically a 13.5% annual cost difference.
Cedar Gate Cost Modeling
Network repricing, episode-of-care benchmarking, and provider-level cost analysis to find the leakage no carrier report will surface.
Gradient AI Risk Scoring
Machine-learning underwriting analytics applied to your population so you go into renewal with the same firepower the carrier is using against you.
Gaps-in-Care Targeting
We pinpoint exactly how many gaps in chronic care exist in your population and design intervention before those gaps become six-figure claims.
HIPAA-Compliant Pipeline
All analytics run on de-identified data inside an institutional-grade pipeline. Your employees stay protected; your margins get defended.
02 · Pillar Two
Bespoke Benefits
Designing plans that fit the workforce — not the carrier's bottom line. Custom plan design, real claims analysis, and the right funding model for your size, demographics, and tolerance for risk.
Group Health Plans
Fully insured, level-funded, and self-funded medical plans. We model the math, run the carrier RFPs, and build a plan your CFO and your employees both feel good about.
Custom Networks & Medicare Plus
For self-funded clients ready to think differently — direct contract networks, reference-based pricing, and Medicare-plus repricing models that actually move the cost curve.
Dental, Vision & Ancillary
Strong dental and vision plans paired with life, AD&D, short and long-term disability, critical illness, accident, and hospital indemnity coverage. Real protection, not filler.
Compliance & Plan Documents
ERISA wrap documents, SPDs, ACA filings, 5500s, Medicare Part D notices, and HIPAA. We do the work in-house every week and we get it right the first time.
Leave & Absence Management
FMLA, ADA, and state-specific leave coordinated with disability and workers' comp so nothing falls through the cracks and your HR team stays out of the weeds.
Open Enrollment & Communication
Employee-facing materials people actually read, virtual or onsite enrollment meetings, and a year-round helpline so your people get answers without filling your HR inbox.
03 · Pillar Three
Strategic Risk Management
Identifying operational leaks and protecting the balance sheet. Property, casualty, cyber, and specialty programs built around the actual exposures your business carries — not a carrier template.
Risk Assessment & Loss Control
We map your full exposure across operations, employment, property, professional services, and digital — then rank by likelihood, severity, and cost so you know what to fix first.
Property, Casualty & Workers' Comp
Commercial property, GL, umbrella, workers' compensation with experience-mod analysis, and access to non-standard markets when the standard market does not work.
Professional & Executive Liability
E&O, D&O, EPLI, and fiduciary coverage placed by people who actually read the policy form. Auto, fleet, and product liability where it matters.
Cyber Risk & Insurance
Risk assessments, security strategy, employee awareness, and cyber insurance placement — built around your actual data footprint and vendor exposure.
Claims Advocacy
When claims happen, we are in your corner — pushing back on denials, coordinating loss control, and protecting your loss history at renewal.
Specialty Programs
Niche programs we have spent years building underwriting relationships in — dental, hospitality, healthcare facilities, high-end auto, and union-affiliated multi-employer plans.
Not Sure Where to Start?
Send us the renewal. We'll tell you what we see.
If you have a renewal coming up, send it our way. We will give you a no-obligation read on what is working, what is not, and where there is room to do better.