Insights
Editorial-grade writing on fiduciary risk, by people who do the work.
Quarterly market notes, regulation analysis, methodology, and case studies. Reviewed by ERISA counsel before publication. Footnotes included.
- Market Note
Why the 2026 stop-loss market is harder to laser than the renewal letters suggest
Three of the five major carriers have quietly retreated from aggressive lasering for groups above 250 lives. The renewal language has not caught up.
- Regulation
Lewandowski v. J&J is two years in. Here is what plan sponsors are getting wrong.
The pleadings made spread pricing actionable. Most committees still do not have minutes that would survive discovery.
- Methodology
A defensible Investment Policy Statement — for your health plan
We borrow the discipline from the 401(k) side and translate it line-by-line to the welfare-plan context. Template included.