Plan sponsor fiduciary excellence is here.
Because better healthcare outcomes begin with a better process.
Trusted by organizations committed to stronger healthcare governance
$50+ Billion
Health plan spend reviewed annually
10,000
Claims evaluted
53
Employers served
Fortune 500
Average client size
$50+ Billion
Health plan spend reviewed annually
10,000
Claims evaluted
53
Employers served
Fortune 500
Average client size
questions you might be asking
Health plan costs are one of an employer’s largest expenses. But high spending doesn’t necessarily mean high value. Employers need visibility into what the health plan is paying, what plan vendors are earning, how fees compare to the market, and whether the plan is delivering competitive value for employees.
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A fiduciary framework creates a disciplined process for evaluating plan costs, service providers, compensation, conflicts, and outcomes so leadership can make informed decisions and document why those decisions were prudent.
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The Department of Labor specifically tells group health plan fiduciaries to understand fees and services, evaluate whether expenses are reasonable, ask about third-party compensation, and periodically monitor providers.
If you exercise discretionary authority or control over an ERISA-covered health plan, you may be acting as a fiduciary - regardless of your job title. Fiduciary status is based on the functions you perform, not simply whether the word “fiduciary” appears in your title.
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ERISA fiduciaries are expected to act prudently and in participants’ interests, follow governing plan documents, and pay only reasonable plan expenses. A strong fiduciary governance process can help manage that exposure through clearly defined responsibilities, informed decision-making, appropriate expert support, ongoing vendor monitoring, and documentation of the process used to reach decisions.
That’s the governance gap many employers are beginning to recognize. ERISA fiduciary responsibilities don't stop with the retirement plan. ERISA-covered group health plans also carry fiduciary responsibilities, including acting prudently, monitoring service providers, and paying only reasonable plan expenses.
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Yet many organizations apply far more formal governance to their 401(k) than to their health plan, even when healthcare represents a substantially larger expense.
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Fiduciary Frameworks brings the discipline employers already understand from retirement plan governance to employee health benefits: clear oversight, defined responsibilities, documented processes, vendor and fee review, and an ongoing fiduciary governance framework.
Every Healthcare Decision Carries Financial and Fiduciary Risk
Employers oversee millions of dollars in claims, contracts, vendor relationships, and plan decisions each year. Yet many organizations still lack the governance infrastructure, independent analysis, and documentation needed to manage those responsibilities confidently.
Rising healthcare costs
9%
2026 Average health insurance premium increase¹
CFO
roundtables
of CFOs now consider
rising healthcare costs to
be a top-three priority¹
1 out of 3
Increased health plan litigation exposure
Now 31%+
of ERISA class action lawsuits filings²
¹"This Week in Leadership." Korn Ferry. May 13, 2026.
²"ERISA Litigation is Rising." Encore Fiduciary. July 9, 2026.
Most Health Plan Decisions
Are Influenced by Relationships
– Not Evidence
Too many health plan decisions are still shaped by legacy relationships, automatic renewals, incomplete information, or vendor recommendations.
Fiduciary Frameworks introduces a structured, repeatable process supported by technology, independent analysis, and healthcare expertise.
Companies often rely on:
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Broker relationships
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Historical renewals
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Carrier recommendations
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Personal preferences
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Traditional consulting models
Fiduciary Frameworks
introduces something
different.
current model
Traditional Procurement Process
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Broker driven sales process
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Relationship centered renewal focus
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Limited product experience and partial comparisons
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Informal decision process and documentation
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Decision fatigue with deadline pressure
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Accepts the product and price offered
Reactive process that is difficult to justify and document
A structured, repeatable decision framework
supported by technology, analytics, and independent healthcare expertise.
New model
With Fiduciary Frameworks
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Plan sponsor driven fiduciary process
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Conflict free procurement
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Purchase is evidence-based and benchmarked
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Documented decisions and file vault
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Structured, compliant, fiduciary process
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Creates the price through requirements
Proactive framework that inspires confidence and decision clarity
HOW THE OPERATING SYSTEM WORKS
One operating system.
Working with your broker, not around them.
Risk Evaluation
Identify fiduciary, contractual, operational, and financial exposure across the health plan.
Procurement Framework
RFP, benchmark, and negotiate contracts with a repeatable, evidence-based fiduciary framework.
Expert on your side
Independent & conflict-of-interest free experts that collaborate with your broker on health plan, TPA, PBM, and stop-loss strategies through a fiduciary lens.
A New Fiduciary Standard
Driving better outcomes through stronger governance, data ownership, and a more sustainable health plan operating system.
Financial Value
Quantify plan inefficiencies, savings opportunities, and the financial impact of potential changes.
Maintain fiduciary decision records, meeting minutes, and documentation in one place.
File Vault
Data Ownership
Ensure data access and audit rights through stronger negotiated contracts.
technology meets human expertise
Fiduciary Frameworks combines technology with independent healthcare expertise to create a structured, evidence-based decision process.
Envolvement process
Procurement
Best process
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Proprietary Technology
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Risk assessments
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ROI modeling
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Claims analysis
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Decision support
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Benchmarking
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Documentation
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Workflow management
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Executive dashboards
Independent Experts
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Healthcare strategy
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PBM evaluation
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Stop-loss
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ERISA
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Benefits consulting
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Procurement
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Contract negotiation
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Plan governance
Delivering results from your side of the table with 100% transparency.
Drive your plan from a fiduciary perspective
Built for the People Responsible for the Plan
Fiduciary Frameworks provides executives, benefits leaders, brokers, and advisors
a clearer way to evaluate healthcare spending, risk, vendors, and plan decisions.
HR and
Benefits Leaders
Enhance Outcomes
Ensure Compliance
AI-ENABLED. HUMAN-GUIDED. FIDUCIARY-DRIVEN.
Healthcare decisions
deserve better oversight.
Every healthcare dollar should be managed with the same discipline as every other business investment. Fiduciary Frameworks brings transparency, governance, and intelligent technology together to help employers make confident decisions.
TRANSPARENCY FIRST
Clear reporting, structured workflows, and executive dashboards provide visibility across every stage of healthcare spending.
Designed for CFOs, HR executives, benefit consultants, and self-funded employers who value accountability over complexity.
BUILT FOR DECISION MAKERS
$500B
Healthcare spend monitored annually
24/7
Access to executive dashboards
95%
Greater visibility into claims and vendor performance
100%
Focused on fiduciary responsiblity
Transparency isn’t just about seeing the numbers.
It’s about having the confidence to act on them.
Better Process. Better Oversight. Better Outcomes.
Every Healthcare Decision Carries
Financial and Fiduciary Risk.
Employers face rising healthcare costs, increasing regulatory scrutiny, and growing pressure to document every major benefits decision. Fiduciary Frameworks provides the technology and expertise to help organizations make more informed, more defensible healthcare decisions.
