Heath Compass client dashboard — Pinnacle Industries

Your Broker Isn't Incentivized to Save You Money

You're Losing Up to
$4,000 Per Employee. Every Year.

Benefits brokers profit when your costs go up. We don't. That's the difference.

With the Fiduciary Governance Protocol™,
You Get a System That Manages One of Your Largest Expenses

All our clients follow the same four-phase system, year after year, no matter how they work with us:

Assess
Understand where you are and what's costing you money
›
Procure
Get the right vendors at the right price
›
Implement
Roll out changes without disrupting your team
›
Manage
Stay compliant and track results year-round

The difference is how much you run yourself and how much we run for you.

APIM from HCC certification logo

Choose Your Path

Start where you are. Do the work yourself, or have us do it for you. The decisions stay yours.

Legacy Broker

Traditional approach with limited capabilities and outdated processes.

Assess iHow your current broker handles plan analysis
  • No committee, no recordiYour leadership team owns every benefits decision, whether or not anyone is running the process.
  • No real analysis of your planiYou get a spreadsheet and a renewal quote. Nothing more.
  • No strategy beyond this yeariNo roadmap. No benchmarks. Just repeat the cycle.
Procure iWhat your broker controls in the vendor selection process
  • You only see the quotes they chooseiYour broker controls what you see and what stays hidden.
  • Their recommendation follows their compensationiBrokers earn more from certain carriers. That shapes what they recommend.
Implement iWhat happens when it's time to roll out your plan
  • "Switching is too complicated"iIt's not. That's what brokers say to keep you from leaving.
  • Your HR team carries the workloadiBrokers design it. Your team executes it.
Manage iWhat ongoing support looks like with a legacy broker
  • Gone until next yeariShows up once a year. Disappears the other eleven.
  • No proof of what you're paying foriNo ROI tracking, no performance records. Just a presentation you've seen before.
Free
Gateway
Keep Your Broker

Start taking control of your healthcare spend. No cost.

Take the Assessment ›
Assess iSee what you have, what it costs, and where money is leaking.
  • Disclosure request templatesiRequests your broker's complete compensation disclosure, in writing. Compensation Integrity Index™
  • 25-question plan diagnosticiFind where your plan is losing money in minutes. Total Benefits Assessment™ Lite
  • Committee bylaws templateiSets up your benefits committee so every decision is documented. Fiduciary Committee Charter™
  • Plan maturity quiziShows where your plan stands and what it takes to improve it. Health Plan Maturity Model™
Procure iRun a competitive process on your terms.
  • Vendor selection checklistsiStep-by-step guidance for running your own competitive bid process. Market Velocity Tracker™
  • Compliance document checklistiShows what to document to stay compliant and audit-ready. Fiduciary Evidence File™
Implement iSwitch advisors or roll out changes without disrupting your team.
  • DIY transition checklistiStep-by-step process to make the switch without disruption. Safe Passage Transition™
Manage iStay compliant year-round, not just at renewal.
  • Monthly compliance remindersiKeeps every required deadline from slipping. Fiduciary Stewardship Cycle™
Take the Assessment ›
Coming Soon
Platform
Keep Your Broker

For employers who want to keep their broker. Coming soon.

Online Pricing Coming Soon
Enterprise
Full Service

Upgrade from a broker to a fiduciary.

Schedule a Call ›
Assess iFull analysis, built on real data and financial targets.
  • Direct-Fee Conversion™iWe remove hidden commissions and redirect that money into your plan. Compensation Integrity Index™
  • Forensic plan assessmentiBuilt on claims data with clear financial targets and timelines. Total Benefits Assessment™
  • Full committee facilitationiWe set up and guide your Fiduciary Committee so every decision is documented and defensible. Fiduciary Committee Charter™
  • Multi-year benefits strategyiWe build a multi-year roadmap to maximize your benefits investments. Health Plan Maturity Model™
  • Custom employee focus groupsiWe run structured focus groups and apply the insights to your plan design. Employee Benefits Voice™
Procure iFull-market process with one clear recommendation.
  • Fully managed vendor selectioniWe run the process, evaluate options, and deliver clear recommendations. Market Velocity Tracker™
  • Custom vendor vettingiEvery vendor is screened and negotiated without conflicts. Structural Integrity Framework™
  • Live board presentationiWe present clear recommendations directly to your leadership team or board. Executive Clarity Deck™
  • Permanent audit trailiWe maintain a complete audit-ready compliance record for you. Fiduciary Evidence File™
Implement iYour team approves. Everything else is handled.
  • Zero-defect migrationiWe manage the full transition with zero disruption to your employees. Safe Passage Transition™
  • Multi-year contribution strategyiWe help you design a long-term funding strategy aligned to your business goals. Contribution Architecture Model™
  • Full technical buildiWe handle all technical implementation: integrations, payroll feeds, and carrier testing. Operational Deployment Manifest™
Manage iOngoing management, reporting, and compliance.
  • Managed filings & complianceiAll filings and compliance handled for you. Fiduciary Stewardship Cycle™
  • Quarterly performance auditsiQuarterly reports documenting savings, improvements, and ROI. Fiduciary Performance Ledger™
Schedule a Call ›

Client Stories

Here's What Some of Our Clients Have Experienced

CL
Charlie Lewis
CEO, Bluewave Resource Partners
★★★★★

"Health Compass helped Bluewave Resource Partners avoid over $1,800 per employee in healthcare cost increases this year."

JN
Judy Ngying
Past Vice President, Seminole Education Association
★★★★★

"$3.6 million saved & going to fund teachers, bus drivers, paraprofessionals, and all education support professionals."

The Broken Model. The Fix.

See how the traditional broker system works against you, and what changes when incentives align.

⊘ The Problem

Is Your Broker on Your Side?

Probably not. The system is built against you.

Carrier-Paid Compensation Conflict of interest

Your broker is paid by the same carriers you're negotiating against.

Perverse Incentives Misaligned

When your premiums go up, they get paid more.

Vendor Bonuses Undisclosed

Bonuses and overrides paid by carriers are rarely shown to you.

No Accountability Unenforceable

Disclosure exists, but most employers never ask for it.

⚡ This isn't about bad actors. It's how the system is built, and it shapes every recommendation you receive.
↑ The Fix

How Do You Fix It?

More control than you've been told. A system built for you.

Keep Your Current Broker Zero disruption

You don't have to fire your broker to start. Use the tools and see for yourself.

Same Fee on Day One No new spend

You pay the same fee you pay today. The difference is what it buys.

Exposed Savings, Better Coverage Proven results

Clients have reported first-year savings averaging $1,856 per enrolled employee, with better coverage.

Full Transparency, Every Quarter Accountable

Every dollar we save you is tracked, documented, and reported each quarter.

The savings don't come from paying us less. The difference is what happens when incentives finally align with your business.

Choose Your Path ›

ANALYZING DISCLOSURE

Scanning for ERISA 406(b) violations...

Analyzing PBM spread compensation...

Checking carrier debt obligations...

Calculating Integrity Score...

Compensation Integrity Index

Who does your broker actually work for?

The Compensation Integrity Index reads your broker's own compensation disclosure and shows who pays them, how much, and whether any of it is hidden from you.

Example audit below · Scroll down to see how your broker compares

0 50 100

10/100

CAPPED AT 10

Integrity Verdict

National Benefits Group: capped at 10/100 by its own disclosure

Scored from National Benefits Group's own 408(b)(2) disclosure. We didn't assign this. Their contract did.

WHAT YOU PAY

Fees Acme Manufacturing pays the broker directly

$390,000

annual · 65.00 PEPM

WHAT VENDORS PAY

Compensation paid to the broker by carriers and vendors

$309,000

paid by vendors, not by Acme Manufacturing

Carrier commissions$195,000
Carrier Overrides$52,000
Contingent Bonuses$35,000
PBM Per-Script Fees$27,000
No written best-interest duty. Capped at 10
Score Breakdown
Bonus arrangement with insurers disclosed→ capped at 49
No written duty to act in your best interest→ capped at 10
Fiduciary Status
F Acme Manufacturing

Plan Sponsor — final authority + ERISA liability.

f Health Compass Consulting

A written duty to act in your best interest, in the agreement.

∅ National Benefits Group

"We do not serve as a fiduciary." — Their own disclosure.

THE UPGRADE: WHY THIS MATTERS
VALIDATION INSTITUTE — FIDUCIARY VALIDATED  ·  Objectivity Rating: A

National Benefits Group

✕

Accepts commissions from carriers on health plans

✕

Accepts bonuses and overrides from vendors

✕

Does not credit indirect compensation back to employer

✕

No fiduciary obligation to the plan

✕

Disclosure leaves vendor pay unquantified

Health Compass Consulting

✓

Charges employer a direct fee for services

✓

Does not accept commissions on health plans

✓

Credits 100% of indirect compensation to employer

✓

A written duty to act in your best interest

✓

Every fee and every source of pay disclosed in writing

National Benefits Group

State Insurance License

The minimum regulatory requirement to sell insurance products. No advanced consulting or fiduciary designations.

Does your broker hold any advanced benefits designations? If it's not on their 408(b)(2), ask them.

Health Compass Consulting

REBC — Registered Employee Benefits Consultant

Awarded by NABIP. Fewer than 500 nationwide. Often compared to a master's-level specialization in employee benefits.

CHVP — Certified Health Value Professional

Awarded by the Validation Institute. Approximately 100 in the U.S. Often compared to a doctoral-level specialization in healthcare innovation.

One of only two firms in America with CHVP-certified client teams — 3% of all certified professionals nationwide.

Now see your broker's score.

Choose the option that works best for your situation.

Email Template — Request Your 408(b)(2)

Copy and paste this into an email to your broker. They are legally required to comply.

What does a proper 408(b)(2) look like?

Download our blank template so you know what to expect from your broker.

Download 408(b)(2) Template (PDF) →

Once you receive your disclosure, come back and choose Option 1 above.

Upload Your Carrier Contract Instead

Your health plan carrier contract (Schedule A, renewal agreement, or carrier report) typically shows the direct compensation paid to your broker. This is all we need to calculate your Direct-Fee Conversion — no broker involvement required.

Note: We can calculate your Direct-Fee Conversion immediately. For a full Integrity Score, we'll need the 408(b)(2) — and we can help you request it.

Your data is confidential and never shared with brokers, carriers, or third parties. We hold ourselves to fiduciary standards, and protecting your information is part of that.

Free consultation · No obligation · Your data stays confidential

Backed by a $100,000 Validation Institute Credibility Guarantee

Every advisor starts at 100. Points come off for two things: pay you cannot see, and pay that grows when your spend grows. Two caps set the floor. A bonus arrangement with insurers caps the score at 49. No written duty to act in your best interest caps it at 10. Every deduction cites the advisor's own disclosure, quoted word for word. We score ourselves on the same sheet.

Health Compass Consulting — Employee Benefits Experts

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 ›
Union Consulting

Support for union leaders negotiating benefits that directly impact wages, pensions, and long-term costs.

Schedule a Consultation ›
Leadership Retainer

Direct access to Donovan Pyle for executive teams making high-stakes healthcare decisions year-round.

Inquire About Availability ›
Executive Benefits

Retention strategies designed for the people your business cannot afford to lose.

See How It Works ›
Speaking Engagements

Clear, direct breakdowns of how the system works and what employers can do about it.

Book a Talk ›
Thought Leadership

Research and strategic content for organizations shaping the future of employer healthcare.

Start a Conversation ›
Global Benefits Solutions

International benefits architecture for organizations with global operations and cross-border workforce needs.

Start Market Assessment ›

Ready to Stop Funding the System?

Start with visibility. It takes minutes and changes how you manage your benefits.

Schedule a Call ›