OUR SERVICES
Pooling & Group Process
Independent guidance to help participants, associations, and administrators design, evaluate, and manage high-performing pooled programs.
What We Deliver
Property/Liability & Employee Benefits: Coordinated program strategies across all major risk and benefit areas.
Association Insurance Programs: Design and optimization of programs tailored to member organizations.
Group Audits & Advisory Reports: Comprehensive evaluations with actionable insights to strengthen performance and governance.
Reinsurance & Excess Insurance Analysis: Analysis and placement guidance to protect against catastrophic exposures.
Pooled Risk & Group Purchase Feasibility: End-to-end support for pooled risk and group purchasing initiatives, including start-ups.
Budget, Funding & Rating Plan Design: Development of equitable and actuarially sound financial structures.
Funding & Dividend Plan Allocation: Creation of fair and transparent distribution methodologies.
Regulatory Compliance Reporting & Advising: Guidance to ensure adherence to evolving regulatory requirements.
Underwriting & Underwriting Support: Establishment and refinement of underwriting standards and practices.
Coverage Document Design & Interpretation: Drafting, reviewing, and clarifying policy language to ensure proper protection.
Financial Benchmarking & Solvency Analysis: Comparison against peer pools to assess strength and sustainability.
Surplus Target Strategy: Guidance on appropriate surplus levels to balance stability and member value.
Broker & TPA Service Evaluation: Objective reviews to ensure service providers deliver expected value.
RFP & Competitive Proposal Management: Structured procurement processes to secure best-fit partners.
Actuarial Funding & Reserve Analysis: Review and application of funding and reserve recommendations.
Payroll & Fiscal Audit Support: Verification processes to enhance financial accuracy and accountability.
Our Process
Whether establishing a new pool or enhancing an existing one, we apply a disciplined, data-driven methodology to ensure long-term success, regulatory compliance, and financial stability.
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Define Objectives & Gather Data
We work with stakeholders to clarify goals and collect relevant data, often using surveys to capture group-wide insights.
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Assess Risk & Feasibility
We identify and analyze loss exposures and conduct feasibility studies to evaluate program viability.
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Evaluate Regulatory Requirements
We identify compliance obligations and ensure the program structure aligns with all applicable regulations.
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Design Program Structure
We develop or refine program structure, including service models, provider selection, and operational requirements.
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Develop Financial Framework
We create funding models, rating plans, budgets, and actuarially sound financial projections.
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Define Coverage & Governance
We design coverage terms, underwriting guidelines, and surplus/dividend distribution strategies.
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Implement & Launch
We coordinate all parties to ensure a smooth rollout of the program.
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Monitor, Benchmark & Optimize
We continuously track operational and financial performance, benchmark against peers, and refine strategies.
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Maintain Financial Strength
We evaluate solvency ratios and recommend appropriate surplus targets to ensure long-term stability.
