Resources
Read the plan before you sign the renewal
Case studies from public filings, a full walkthrough of one plan decision, and plain-English guides. No email gate. Pass them to your CFO.
Case studies
Health Plan Visibility Studies. What the public Form 5500 filings show about 52 Texas electrical, plumbing and HVAC contractors, and six of them read closely: cost per covered person, how many people are actually covered, how long the carrier has been there, and what the broker was paid. Built from the public record only.
One plan, start to finish (composite). A 160-employee Texas mechanical contractor (composite), followed through every step, from the public filing that started it to the decision file and the second-year renewal. A composite built from the 52-company peer set. No real company’s filings or claims are shown; every figure is modeled so the arithmetic holds together.
How the process works
Defensible health plan decisions. The five stages behind every recommendation, who does what, and what goes in the decision file. Written for owners, CFOs and fractional CFOs.
How I’m paid. Every dollar, disclosed in writing before you sign anything.
Listen
Employer Advisory Board. Conversations with the advisors owners lean on, about what they see from their side of the table.
Want your own plan read?
Send the company name to aloha@mattragudo.com and I’ll send back a one-page read of your plan from its public filings. It’s $0 and uses only the public record, so there’s nothing to sign. Nothing paid, and nothing using your documents or claims, starts before the engagement letter and broker-of-record letter are signed.
Questions first? Email aloha@mattragudo.com or book a 30 minute call.