We procure specific and aggregate stop-loss coverage on a net-of-commission basis, RFP every viable carrier, and contract for multi-year, no-laser terms wherever the market permits. Your retention curve is the design objective; carrier loyalty is not.
Stop-loss procurement is a discrete deliverable with a defined deliverable schedule. We do not double as your TPA, do not act as your carrier, and do not provide legal advice on policy enforcement.
We strip the broker commission line out of the RFP before it leaves our office and require carrier responses to quote net pricing. The 12–18% of premium ordinarily distributed to producers becomes a retention input, not a margin line.
Carriers price uncertainty. We submit a clean 24-month claim file, ICD-stratified diagnosis flags, ongoing high-claimant disclosures, and a written narrative of plan changes. The result is tighter underwriting and fewer surprise lasers at renewal.
Where claims experience supports it, we negotiate 24- and 36-month rate caps and no-laser provisions. A laser quietly removes coverage on a single employee whose costs are about to rise; we treat the laser clause as the single most negotiable term in the contract.
Every quarter we walk the large-claim register against the policy attachment, notify the reinsurer where notice is required, and pre-position documentation so claim reimbursement is never delayed by your stop-loss carrier on a clerical technicality.
Range scales with covered lives (50–5,000). Quoted in writing in Schedule A before engagement. Zero carrier-paid compensation.
The corresponding 408(b)(2) compensation disclosure is published at /legal/408b2 and refreshed quarterly.
Two minutes to scope the engagement. One business day to a calendared 30-minute call with a principal. No carrier in the room. Engagement letter follows in writing.