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The Crumdale Partners Family of Companies

Unbundled or Integrated

Contribution Health

Tools, skills, and software for stop-loss, compliance, and analysisConsultative Approach | Risk Transfer Strategies | Solutions Oriented

Problem

  • Difficult for small groups to access actuarial support.
  • Complexity of compliance reporting requirements.
  • Small buyers lack knowledge and leverage.

Solution

  • Fortune 500 actuarial services accessed by small and mid-market groups.
  • Specialized software and services for precise plan compliance.
  • Consortium aggregation provides serious leverage.
Crumdale Advisors

A customizable approach to self-funded plan componentsBroker Empowerment | Aligned Interests for Vendor, Broker & Employer Group | Best-in Class Vendor Contracts

Problem

  • Most brokers offer clients one of the same five health insurance options.
  • Employee benefits double in cost about every 7 years.
  • Misaligned incentives have stalled innovation.

Solution

  • Access to high performing health plans, custom tailored to an employer’s unique needs.
  • Outperform the competition YoY with a full suite of cost containment programs.
  • Deliver transparency, savings, and insight.
Crumdale Advocates

HR Support for improved health benefit navigation, education and utilizationProprietary Data Analytics | Proactive, Team-Centered Approach | Technology-Enabled Tools

Problem

  • 12 million patients receive an incorrect diagnosis every year.
  • 50% of patients receive incorrect treatment in their lifetime.
  • Medical errors are 3rd leading cause of death

Solution

  • Concierge member services help provide employees with a second opinion.
  • Help finding high performing physicians helps alleviate incorrect treatment issues.
  • Data backed, customized physician pairing.
Evolve Insurance Advisors

Middle Market Insurance and Benefit Services25+ Years Experience | Expertise in Brokerage, Consulting, Risk Management, and Alternative Risk Financing

Problem

  • Most brokers shop insurance, but do not provide customized risk management solutions.
  • Large brokerages serve their shareholders, not their clients’ stakeholders.
  • Public Entities bound by CBAs.

Solution

  • Full suite of cost containment programs and risk management services.
  • Private ownership allows us to align with our clients’ unique needs.
  • Full suite of CBA compliant programs.
Franklin Health

A small-group consortium serving small business health plan clientsGroup Health Plan Solutions for Brokers | Turnkey Benefits & Rx Administration | Stable Self-Funding for Employers of 25+

Problem

  • Brokers compete on price due to lack of options in small and mid-market.
  • Misaligned interests cause premiums to increase significantly YoY.
  • Misconception that “rates are rates.”

Solution

  • Differentiate yourself with a program none of your competitors can access.
  • Aligned interests allow you to deliver significant cost containment and risk mitigation.
  • Proactively manage your clients’ health plan.
Liberty Benefit Advisors

Unbundled, Independent, Aligned, Health Insurance ConsultingUnbundled Health Plan Experts | Independent and Vendor Agnostic | Aligned with Client Goals

Problem

  • Exponential growth in cost of health insurance.
  • Zero transparency.
  • Lack of insurance company accountability.
  • Abundant misaligned incentives.

Solution

  • Unrelenting cost containment programs.
  • Full transparency and control.
  • Data analytics to drive accountability.
  • Alignment with clients’ unique goals.
Resolute Underwriting Strategies

A unique approach to medical stop-loss underwriting Integrated risk placement | Deep knowledge of healthcare claims | Creative risk transfer strategies

Problem

  • Inflexible financing options for small and mid-market employers.
  • Increase in frequency & severity of catastrophic claims.
  • Disconnect between Stop Loss and Claims Payer.

Solution

  • Innovative financing options for the small and mid-market.
  • Focus on Risk Management to reduce claims frequency & severity.
  • Strong collaboration with Claims Payer
TRX

A vendor-agnostic pharmacy consulting & group-purchasing coalitionExpert PBM Consulting | Predictive Analytics | Prescription Management

Problem

  • PBM contracts are extremely complex, difficult to understand, and provide no transparency.
  • Prescription Drug benefits are the fastest growing component in healthcare.
  • Difficult to negotiate PBM contract terms.

Solution

  • Market-leading contract terms, conditions, and guarantees.
  • Focused clinical solutions and innovative cost containment to bend the cost curve.
  • Deep industry knowledge of PBM negotiations.
Crumdale Advisors
Crumdale Advisors

A customizable approach to self-funded plan componentsBroker Empowerment | Aligned Interests for Vendor, Broker & Employer Group | Best-in Class Vendor Contracts

Problem

  • Most brokers offer clients one of the same five health insurance options.
  • Employee benefits double in cost about every 7 years.
  • Misaligned incentives have stalled innovation.

Solution

  • Access to high performing health plans, custom tailored to an employer’s unique needs.
  • Outperform the competition YoY with a full suite of cost containment programs.
  • Deliver transparency, savings, and insight.
Crumdale Advocates
Crumdale Advocates

HR Support for improved health benefit navigation, education and utilizationProprietary Data Analytics | Proactive, Team-Centered Approach | Technology-Enabled Tools

Problem

  • 12 million patients receive an incorrect diagnosis every year.
  • 50% of patients receive incorrect treatment in their lifetime.
  • Medical errors are 3rd leading cause of death

Solution

  • Concierge member services help provide employees with a second opinion.
  • Help finding high performing physicians helps alleviate incorrect treatment issues.
  • Data backed, customized physician pairing.
TRX

Transformation Rx

TRX

A vendor-agnostic pharmacy consulting & group-purchasing coalitionExpert PBM Consulting | Predictive Analytics | Prescription Management

Problem

  • PBM contracts are extremely complex, difficult to understand, and provide no transparency.
  • Prescription Drug benefits are the fastest growing component in healthcare.
  • Difficult to negotiate PBM contract terms.

Solution

  • Market-leading contract terms, conditions, and guarantees.
  • Focused clinical solutions and innovative cost containment to bend the cost curve.
  • Deep industry knowledge of PBM negotiations.
Resolute Underwriting Strategies
Resolute Underwriting Strategies

A unique approach to medical stop-loss underwriting Integrated risk placement | Deep knowledge of healthcare claims | Creative risk transfer strategies

Problem

  • Inflexible financing options for small and mid-market employers.
  • Increase in frequency & severity of catastrophic claims.
  • Disconnect between Stop Loss and Claims Payer

Solution

  • Innovative financing options for the small and mid-market
  • Focus on Risk Management to reduce claims frequency & severity
  • Strong collaboration with Claims Payer
Franklin Health
Franklin Health

A small-group consortium serving small business health plan clientsGroup Health Plan Solutions for Brokers | Turnkey Benefits & Rx Administration | Stable Self-Funding for Employers of 25+

Problem

  • Brokers compete on price due to lack of options in small and mid-market.
  • Misaligned interests cause premiums to increase significantly YoY.
  • Misconception that “rates are rates.”

Solution

  • Differentiate yourself with a program none of your competitors can access.
  • Aligned interests allow you to deliver significant cost containment and risk mitigation.
  • Proactively manage your clients’ health plan.
Evolve Insurance Advisors
Evolve Insurance Advisors

Middle Market Insurance and Benefit Services25+ Years Experience | Expertise in Brokerage, Consulting, Risk Management, and Alternative Risk Financing

Problem

  • Most brokers shop insurance, but do not provide customized risk management solutions.
  • Large brokerages serve their shareholders, not their clients’ stakeholders.
  • Public Entities bound by CBAs.

Solution

  • Full suite of cost containment programs and risk management services.
  • Private ownership allows us to align with our clients’ unique needs.
  • Full suite of CBA compliant programs.
Liberty Benefits Advisors
Liberty Benefit Advisors

Unbundled, Independent, Aligned, Health Insurance ConsultingUnbundled Health Plan Experts | Independent and Vendor Agnostic | Aligned with Client Goals

Problem

  • Exponential growth in cost of health insurance.
  • Zero transparency.
  • Lack of insurance company accountability.
  • Abundant misaligned incentives.

Solution

  • Unrelenting cost containment programs.
  • Full transparency and control.
  • Data analytics to drive accountability.
  • Alignment with clients’ unique goals.
Contribution Health
Contribution Health

Tools, skills, and software for stop-loss, compliance, and analysisConsultative Approach | Risk Transfer Strategies | Solutions Oriented

Problem

  • Difficult for small groups to access actuarial support.
  • Complexity of compliance reporting requirements.
  • Small buyers lack knowledge and leverage.

Solution

  • Fortune 500 actuarial services accessed by small and mid-market groups.
  • Specialized software and services for precise plan compliance.
  • Consortium aggregation provides serious leverage.

The Crumdale Partners Model

We create a culture that builds long-term, value-based vendor, broker and carrier relationships to sharpen our client’s competitive edge and solve real market problems through unbundled and integrated industry-leading resources including:

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In addition to our organic growth strategy, we also actively pursue acquisitions and other strategic partnerships across a broad range of insurance related products, services and solutions to strengthen and diversify our capabilities.

  • Innovative products, solutions and approaches
  • Creative risk management & cost containment strategies
  • Unique alternative risk financing
  • Superior vendor and carrier relationships
  • Local market knowledge

The challenges we SOLVE

a new insurance ecosystem

We're fixing:

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Unfavorable contract terms and conditions

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Unnecessary costs

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Unequal bargaining power

Revolutionize Your Results.

become a preferred partner