Canadian enterprise employers routinely face double-digit annual renewal increases on group health and dental plans. In most cases, these spikes stem not from actual claims inflation, but from excessive target loss ratios and hidden insurer risk charges.
Conducting a Forensic Underwriting Audit
Rather than passively accepting pooled claims adjustments, an independent fiduciary review interrogates paid-claim loss ratios, pharmacy dispensing markups, and administrative expense charges across your census.
Market Tendering & Alternative Risk Structures
By tendering group policies across top Canadian underwriters under strict contractual service standards, enterprise sponsors regain negotiating leverage and eliminate bloated broker commissions.