Courts have made it clear that fiduciaries cannot outsource their responsibility. If your TPA mismanages claims, hides fees, or engages in conflicted practices, liability ultimately rests with you. That’s why sponsors must hold TPAs accountable and document oversight.

Cross-plan offsetting costs self-funded plans millions in hidden fees. Learn how bulk recovery practices create fiduciary risks and what sponsors can do.

For many plan sponsors, the word “audit” suggests penalties or after-the-fact corrections. In reality, independent claims reviews are about prevention, transparency, and protecting plan assets — not punishment. 

Benefits committees are becoming essential to ERISA compliance for self-funded health plans. Learn why structured oversight of vendors, fees, claims accuracy, and data transparency is a fiduciary imperative—and how benefits committees strengthen governance, reduce risk, and protect plan participants.

The next “401(k) fee crisis” won’t be about retirement plans — it’s happening in healthcare. Self-funded plan sponsors face a wave of hidden costs buried in ASO, PBM, and stop-loss contracts. What appears to be routine administration often masks charges that drain plan assets and compromise compliance.

Major networks are finally shifting on data sharing — the excuses are gone. It is the employer’s fiduciary responsibility to demand access. If a carrier or vendor refuses, and the pattern continues, you must replace them because their obstruction causes you to breach your fiduciary obligations.

When claim administrators audit their own networks, conflicts arise. Independent payment integrity ensures ERISA and CAA compliance — protecting plan sponsors, members, and fiduciary accountability.

Fiduciaries need the people, process, and technology to ensure plan oversight. After nearly a decade of litigation , Aetna Life Insurance...

Without transparency and access to THEIR data, plan sponsors risk breaching fiduciary duty under ERISA and the CAA. The 2025 Pulse of the...