SERVICES AND PRICING
Most CFOs think their benefits broker's job is to get them the best deal.
What's actually true is that brokers make more money when your costs go up.
This is because legacy brokers are paid by the same insurance companies you expect them to negotiate against.
$1,856
FIRST-YEAR SAVINGS
Our clients' average first-year savings per enrolled employee vs staying the course. Measured across our book.
18
SERVICES, ONE FEE
Every service on this page is included in one flat annual fee, invoiced directly to the company.
$100,000
CREDIBILITY GUARANTEE
Our model is validated by the Validation Institute and backed by its $100,000 Credibility Guarantee.
Results vary. Coverage held or improved before a dollar of savings counts.
HOW LEGACY BROKERS GET PAID
The more you spend, the more they make
YOU
Pay premiums to insurance companies and vendors
→
INSURANCE COMPANIES AND VENDORS
Pay the broker commissions, bonuses and other revenue
→
YOUR BROKER
Earns more when your costs go up
Legacy brokers are paid commissions, bonuses and other revenue by the insurance companies and vendors you expect them to negotiate against.
NOTE
Hiring an expert was the right call. The expertise needed to manage these programs is real, credentialed and hard to find, and it is not on most companies' payroll. The problem is how the expert gets paid.
Nobody has to intend harm. Behavior follows compensation.
WHAT CONFLICTED ADVICE COSTS EACH OF YOU
One conflict, three seats at the table
CEO
Healthcare is probably the fastest-growing financial risk on your P&L. It undermines growth and enterprise value, and it puts pressure on sales, finance and HR at the same time.
CFO
The average employer overpays for healthcare by about $4,000 per employee, per year (2024 data). Multiply by the number of enrolled employees.
HR
It undermines the reason you offer benefits at all. Rising costs get shifted onto employees as higher deductions and thinner plans, which hurts recruiting and retention.
Most employers never see the conflict. Nobody in the supply chain is paid to show it to them.
THE FIX ALREADY EXISTS
You already pay your attorney and CPA this way
You pay them directly, and they answer only to you. Nobody else in that relationship is paying them, and you would never tolerate it if they were paid by the other side.
THIS IS HOW HEALTH COMPASS WORKS
You pay us one flat annual fee, invoiced to the company, and we answer only to you. We run your benefits program the way a CFO and a CHRO would if it were their only job: procurement, compliance and employee support, all year.
Fix the advice first. The plans follow.
HOW IT WORKS
One method for optimizing one of your largest expenses
Every client follows the same four phases of the Fiduciary Governance Protocol™, year after year.
ASSESS
Know where you stand
Understand where you are and what's costing you money.
PROCURE
Buy it right
Get the right vendors at the right price.
IMPLEMENT
Roll it out
Make changes without disrupting your team.
MANAGE
Run it all year
Stay on schedule and track results year-round.
WHAT WE DO
Scope of service, Health Compass compared to legacy brokers
The legacy broker column shows typical practice, not any one firm.
| Phase | Service | What it does for you | Health Compass | Legacy brokers |
|---|---|---|---|---|
| ASSESS | Program assessmentTBA™ | The whole program measured across seven areas, re-scored every year. | ✓ Yes | ✗ No |
| Employee surveyEBV™ | A three-minute survey, plan by plan: what your people use, trust and need. | ✓ Yes | ✗ No | |
| Executive alignmentECI™ | Every leader’s priorities and appetite for change, on one page. | ✓ Yes | ✗ No | |
| Multi-year roadmapHPMM™ | Where you stand, what the next stage looks like, every step priced. | ✓ Yes | ✗ No | |
| Fiduciary committee setupFCC™ | A standing committee, chartered in writing, quarterly cadence. | ✓ Yes | ✗ No | |
| Annual advisor-integrity reviewCII™ | Our own disclosure, scored on the same sheet, every year. | ✓ Yes | ✗ No | |
| Executive education | A two-page brief in your numbers, before each decision. | ✓ Yes | ✗ No | |
| PROCURE | Vetted market evaluation | A panel no vendor can pay into, every option priced apples to apples. | ✓ Yes | ◐ Partial |
| Market trackingMVT™ | Who we asked, who quoted, who declined and why, on one board. | ✓ Yes | ✗ No | |
| Funding stress test & contract vettingSIF™ | Every finalist modeled best case to worst before signature. | ✓ Yes | ◐ Partial | |
| Procurement evidence fileFEF™ | Every decision and finding filed, dated, and kept for you. | ✓ Yes | ✗ No | |
| IMPLEMENT | Contribution modelingCAM™ | Every contribution strategy by tier and scenario, built for you. | ✓ Yes | ✗ No |
| Vendor go-liveODM™ | Every task, owner, feed and date on one manifest. | ✓ Yes | ◐ Partial | |
| Enrollment & employee educationEAP™ | Open enrollment run end to end, in plain English. | ✓ Yes | ✓ Yes | |
| MANAGE | Quarterly stewardship & calendarFSC™ | One twelve-month calendar for the whole program. | ✓ Yes | ◐ Partial |
| Member advocacy | A named team your employees call instead of the carrier. | ✓ Yes | ◐ Partial | |
| Invoice reconciliation & error recoveryBilling Shield | Every invoice checked against your roster, every month, from day one. | ✓ Yes | ✗ No | |
| Quarterly results ledgerFPL™ | Budget vs. actual and every recovered dollar, every quarter. | ✓ Yes | ✗ No |
WHAT SWITCHING ACTUALLY MEANS
What switching to Health Compass actually means
| A legacy broker | Health Compass | |
|---|---|---|
| Who pays the advisor | Insurance carriers, through commissions and bonuses built into your premium. | We redirect what the carriers were already paying your broker into one flat fee. |
| When your costs go up | Their pay goes up. | Our fee is not tied to your plan costs. |
| Scope of work in writing | Often vague or inadequate, and sometimes missing altogether.* | Often 2x to 3x more services, clearly described in writing.* |
| Duty to act in your best interest | Not in any of their contracts we have reviewed.* | In writing, in the agreement. Every decision stays with you. |
* Based on our review of the service agreements and compensation disclosures of five of the largest national brokerage firms.
Changing the captain of your ship does not change your ship. Switching to Health Compass does not change your carriers, your plans or their pricing on day one.
2027 PRICING
One flat annual fee
Everything included. No commissions. No bonuses. No BS.
This is not a new expense on top of what you pay today.
Your broker is already being paid, through commissions and bonuses built into your premiums. When you switch to Health Compass, we redirect that money into our fee. Wherever carriers allow it, the commissions come out of your premiums.
Whether you end up paying more or less than you do today depends on what your broker is paid now, and most employers have never been shown that number. We show it to you, in writing, before you decide.
How we're paid, in full: read our compensation policy.
HOW TO GET STARTED
Three steps to a decision you can stand behind
It starts with a 30-minute Fiduciary Strategy Review: a plain conversation about your challenges and goals. No recommendation yet. From there:
1
YOU SEND US
Four documents. Four minutes.
- Your latest renewal
- Your benefits guide
- Your broker's compensation disclosure
- Your broker agreement, if you have one
- A four-minute assessment
2
WE DELIVER
Your custom benefits strategy
- A multi-year plan built for your company
- Our offer next to your broker: price, scope and what is in writing
- Delivered in a 60 to 90 minute meeting
3
YOU DECIDE
Your call
- Run it with your broker
- Run it yourself
- Or have us run it
Most firms would charge for this analysis. You get it whether you hire Health Compass or not.
CLIENT STORIES
What clients have experienced
"Health Compass helped Bluewave Resource Partners avoid over $1,800 per employee in healthcare cost increases this year."
Charlie Lewis, CEO, Bluewave Resource Partners
"$3.6 million saved and going to fund teachers, bus drivers, paraprofessionals, and all education support professionals."
Judy Ngying, Past Vice President, Seminole Education Association
ABOUT HEALTH COMPASS
Who stands behind the work
Rating A
Fiduciary Validation and Objectivity Rating A, backed by the Validation Institute's $100,000 Credibility Guarantee.
Advisor of the Year
Our managing partner is the Validation Institute's 2025 Benefits Advisor of the Year and wrote Fixing Healthcare (2025).
Fee-only since 2018
Eight years on the employer's side of the table. Sixteen published trademarks behind the method.
Top designations
Our team holds the highest designations in the business (REBC, CHVP). Outside ERISA counsel: Foley & Lardner.
More Ways to Work with Us
Not Every Problem Fits Inside a Benefits Plan
When the stakes are higher, you need deeper expertise.
Schedule a Consultation ›Support for union leaders negotiating benefits that directly impact wages, pensions, and long-term costs.
Schedule a Consultation ›Direct access to Donovan Pyle for executive teams making high-stakes healthcare decisions year-round.
Inquire About Availability ›Retention strategies designed for the people your business cannot afford to lose.
See How It Works ›Clear, direct breakdowns of how the system works and what employers can do about it.
Book a Talk ›Research and strategic content for organizations shaping the future of employer healthcare.
Start a Conversation ›International benefits architecture for organizations with global operations and cross-border workforce needs.
Start Market Assessment ›How to Eliminate the Conflict and Reclaim Your Capital
Step 1 - Get the Intel
Download the Executive Brief. Read the summary of Fixing Healthcare to understand the exact framework we use to identify waste.
Step 2 - Build the Defense
Schedule Your Fiduciary Review. We analyze your current contracts to expose hidden conflicts and align incentives with your goals.
Step 3 - Maximize the Advantage
Turn Liability into Asset. Implement the strategy and add millions back to your bottom line to fuel business growth.