Employee Benefits Risk Analysis
You didn’t build your company by accepting “that’s just the way it is.” You compete, solve problems, and push when others settle.
Yet every year with health insurance, you’re told costs are up, it’s the market, and nothing can be done. You know that’s not true. One of your largest expenses keeps rising, renewals hit double digits, and transparency is limited—because the system isn’t built in your favor.
The real risk is doing nothing. If nothing changes, margins shrink, wages stall, and tougher decisions follow. You don’t want excuses, you want control.
At 28 Insurance, we challenge the status quo through our Employee Benefits Risk Analysis, a data-driven assessment designed to give you clarity, leverage, and a path forward by helping you:
- Lower healthcare costs
- Improve renewal outcomes
- Identify hidden financial and plan design risks
- Ensure ACA & ERISA compliance
- Evaluate smarter funding strategies
Just as important, we show you exactly how to take control:
- Eliminate misaligned incentives by moving away from fully insured structures that reward rising costs and limit transparency
- Leverage self-funding—without unnecessary risk by gaining control through claims data while protecting downside exposure through group purchasing and structured risk protection
- Deploy proven cost containment strategies—not trendy solutions, but strategic levers designed for sustainable, long-term cost control
This isn’t a surface-level review. It’s a full audit of your benefits strategy, risk exposure, and financial performance. When you take control, costs stabilize, volatility decreases, and your business gains a long-term advantage.
Most employers are told this can’t be done—we help you prove them wrong.