Scott Family Amazeum Proposal w/ Firm Stop Loss 1/1
IN 2018 THEY LAUNCHED WITH ONE GOAL: NEVER AGAIN WORK WITH, OR FOR, A HEALTH INSURER.
FEE-BASED, NON COMMISSIONED CREDENTIALED IN COST CONTAINMENT & HEALTHCARE DELIVERY SOLUTIONS
PERFORMANCE HEALTH PLANS
HIGHPERFORMINGHEALTHPLANCOMPONENTS:
THIRD-PARTY ADMINISTRATOR
REFERENCED BASED PRICING PARTNER (REPRICER)
DIRECT PRIMARY CARE PHYSICIAN (DPC)
PAID A SET MONTHLY FEE (PMPM)
TRANSPARENT, PASSTHROUGH PHARMACY BENEFIT MANAGER
EVIDENCE BASED MEDICAL MANAGEMENT & STEERAGE
DIRECT CONTRACTS & BUNDLED PRICING FOR PROCEDURES
PERFORMANCE HEALTH PLANS
PERFORMANCE BENEFITS & OUTCOMES
DEDUCTIBLE & OUT OF POCKET COSTS WAIVED
HIGHER QUALITY CARE & BETTER CLINICAL OUTCOMES.
35% LOWER HEALTHCARE SPEND COMPLETE CONTROL & TRANSPARENCY
ACCESS ISSUES
CARRIERA CARRIERB CASH MEDICARE WHAT IS THE LOWEST ACCEPTED PRICE FOR THIS PROCEDURE, AT THIS HOSPITAL?
ABOUT US
E Powered Benefits was founded to challenge the broken, opaque systems that dominate traditional health benefits brokerage.
We are a mission-driven advisory firm built on radical transparency, fiduciary advocacy, and an unwavering commitment to improving health outcomes while reducing cost waste.
Our founder, David Contorno, is a recognized national leader in benefits innovation, and our firm’s growth has been driven entirely by word-of-mouth referrals and our results-first philosophy.
As an independent organization, we do not take commissions, overrides, or compensation from carriers or vendors, ever.
Our work is rooted in data integrity, aligned incentives, and measurable performance. We support a culture of high-performance healthcare by ensuring every stakeholder in the ecosystem (advisors, TPAs, PBMs, and providers) is held accountable to transparent metrics and contractual deliverables.
Community Impact: E Powered has helped shift market dynamics by empowering employer coalitions, hosting national educational events like the YOU Powered Symposium, and leading the charge on fiduciary procurement practices.
Our influence has contributed to the widespread adoption of direct primary care, highly accepted fair market reimbursement rates, direct contracts, and transparent PBM contracts across diverse industries.
A NOTE FROM OUR FOUNDER
We are encouraged by the verbiage you ’ ve used in your RFP because it indicates you believe you can, and should, prioritize the the quality and cost of your health benefit offerings.
We’re here to help you with the ‘how’. The first step is understanding the impact of your current benefit portfolio, and how to reverse those outcomes. It’s not only possible, it’s actually within easy reach!
E Powered Benefits (EPB) exists because the healthcare and health insurance industry is failing Americans. EPB and Western Alliance Bank are remarkably aligned in our relentless dissatisfaction with the present and hopefully this paper inspires, energizes, and gives you confidence in the future.
But, be prepared! You might not like... ...that we aren’t likely to recommend a large commercial carrier or a large consulting firm to handle your benefits package.
We’ll speak against PPO networks and high-deductible health plans, including Health Savings Accounts in many situations, but we’ll always be sure to help you understand why.
Far more importantly, our leadership has a documented AND validated history of creating customized health plans that create far better benefits for employees than traditional plans offer, with a far lower spend rate to the employer Members have options that allow them to see ANY doctor they choose and our plans have a 97%+ acceptance rate.
We are not afraid to find the best point solutions and plan partners first, and then collectively work together to design and deploy a health plan that best meets the needs of your workforce
We’ll openly reject unethical and misaligned systemic incentives that seek to harm you and your employees because we work for you and your best interests.
David C. Contorno
E Powered Benefits is a national firm specializing exclusively in designing, implementing, and overseeing high-performance self-funded health plans. Our core offerings include:
Strategic Plan Architecture
Contractual Performance Oversight
Data Analytics & Claims Auditing
PBM Procurement & Rx Strategy
Stop-Loss Design & Risk Mitigation
Member Engagement & Support
Our leadership team comprises benefits experts, attorneys, underwriters, clinicians, and analysts. Every client is supported by a cross-functional team tailored to their complexity and industry needs.
Key Differentiators:
100% transparent compensation model (no vendor-derived income)
Real-time claims monitoring and benchmarking dashboards
Dedicated quarterly reviews with action-oriented KPIs
Experience working with national banks, hospital systems, and Fortune 500 clients
Financial Industry Experience:
We were the first and only known firm to contractually accept revenue solely from clients, with a goal-based compensation model aligned with their interests. We currently serve several clients in the financial services and banking sectors, including institutions with multi-state operations and over 1,000 covered lives. In each case, we have:
Improved plan performance through vendor renegotiation and cost containment
Reengineered pharmacy contracts to deliver 25–40% savings
Designed compliance governance models for fiduciary plan management
Client references and case studies available upon request following the oral interview phase.
We define a high-performance health plan as one that:
Reduces unnecessary spend
Delivers measurable health improvements
Engages members in care decisions
Enables fiduciaries to govern with confidence
Our framework balances cost containment, benefit quality, and member experience through four guiding principles:
Transparency First – Plan stakeholders must have access to all claims, pricing, and performance data.
Aligned Incentives – We avoid vendor arrangements that benefit from overutilization or opacity.
Data-Driven Design – Every recommendation is rooted in actuarial modeling, utilization trends, and predictive analytics.
Proactive Oversight – We don’t wait for renewal season. Every quarter, we benchmark, evaluate, and act.
PHILOSOPHY, VISION & VALUES
We believe that healthcare for all Americans should be accessible, affordable, and of high quality.
We only develop value-based, transparent, self-funded health plans with complete transparency for those who pay for it (employers & employees).
We aim to create equitable, ethically designed healthcare pathways that employees and their families can afford to use, and their employers can afford to offer.
EXECUTIVE LEADERSHIP
David C Contorno, President
Emma Fox, CEO
ACCOUNT MANAGEMENT
2
3
4 O R G A N I Z A T I O N A L S T R U C T U R E 1
Beckiee Cobb, Senior Account Manager
Olivia Fox, Administrative Associate
STRATEGY & COMMUNICATION
Joel Daniels, VP Enrollment & Member Experience
Ashley Smith, Member Experience Lead
Sims Tillirson, Data Analytics & Reporting
LEGAL & COMPLIANCE
Doug D. Aldeen, esq., General Counsel & ERISA attorney
MZQ Consulting (compliance services)
FINANCIAL STATUS & STABILITY
E Powered Benefits has one physical location just outside Charlotte, North Carolina.
Since forming EPB in 2018, the agency has experienced double-digit growth every year.
In addition to working with employers directly, the efficiency of the plans we create has evolved into several streams of advocacy, education, and revenue.
Partnering with benefits advisors through our Co-Consulting Program to teach semantics on how to build value-based health plans and how to align compensation.
The Certified Health Value Advisor Course, developed by our COO, Emma Fox, and validated by The Validation Institute, delivers specialized and advanced education on US healthcare reform for employers.
The YOU Powered Symposium; an annual event bringing hundreds of advisors, employers, and clinicians together to collaborate on, and influence, the future of healthcare reform.
Signal Consulting is home to our Health Plan Diagnostics™ analytic services available to employers of all sizes.
And, partnerships with Blue Raven Actuarial, BenEngage Concierge Services, Acuity Specialty Administration, and the Association for Healthcare Advisors.
Collectively, our firm(s) revenues provide profit each year that allows us to invest in research, development, education, and aligned partnerships.
We are independently owned and operated.
We have never been involved in any legal dispute and there are no known conflicts of interest.
LOCAL SERVICE CAPABILITIES
E Powered Benefits serves clients with employees in over 42 states (and growing!).
While we have all adjusted to a virtual environment and can offer limitless virtual meetings and presentations, our team is also available for in-person meetings in any state at a frequency determined by our clients and the needs of their workforce.
In addition to leadership meetings and open enrollment presentations, your dedicated account management team is available to conduct educational meetings throughout the year to promote healthcare literacy.
Our benefits concierge team, afforded to every client we serve, is available during extended hours to meet the needs of clients in any time zone.
ERRORS & OMISSIONS (E&O)
Our E&O Insurance is provided by Great American Fidelity Insurance Company. Our policy will cover up to $2,000,000 per claim
Great American Fidelity is rated as “stable” and A+ (superior) by AMBest.
INSURER SOLVENCY MONITORING
We regularly monitor the outlook and ratings of all insurers we recommend through Fitch, Moody’s, S&P, and AM Best. We check on each insurer quarterly to monitor any changes or concerns we need to advise or clients of.
NOTABLE HIGHLIGHTS OF SUCCESS & EXPERTISE
David Contorno & E Powered Benefits featured in Dr. Marty Makary, “The Price We Pay: What Broke American Health Care–and How to Fix it” 179-180, 2019.
“Palmer Johnson Power Systems switched to a reform-minded broker, David Contorno, and saved big on its health plan while also improving benefits for its employees. By Marshall Allen, ”Never Pay the First Bill–and Other Ways to Fight the Health Care System and Win” 159, 2021.
Emma Fox, Top 20 Women in Advising, Employee Benefits Network, 2020
Emma Fox, author, “Finding the ethics in broker compensation” Employee Benefit News, 2022
Emma Fox, 2023 Excellence in Benefits, Employee Benefits Network
Emma Fox, 2023 Woman of the Year, Deluxe
David Contorno, Broker of the Year, 2015
“David Contorno is one of America’s Most Innovative Benefits Leaders” Forbes Magazine, 2016
David Contorno, 2024 Top Benefits Leader of the Year, The International Association of Top Professionals
David Contorno, 2 x Rosie Award winner for best health plans in America (Health Rosetta)
Aaron Witwer, 2 x Rosie Award winner for best health plans in America (reference)
Joel Daniels, Emerging Leader of the Year, YOU Awards
Sarah Taylor, Notable Newcomer, YOU Awards
“Tools and techniques of employee communication-with Joel Daniels” BenefitsPro Magazine, Jan 2022.
E Powered Benefits, The Innovation Award from Hint
PROJECT PLAN AND IMPLEMENTATION METHODOLOGY
We employ a 4-phase strategic engagement model:
Phase 1: Assessment
Conduct plan diagnostics and stakeholder interviews
Aggregate and normalize claims data
Identify performance gaps and fiduciary risks
Phase 2: Architecting
Select vendors through RFP or direct contract
Model plan designs and financial projections
Build compliance guardrails and audit-ready SOPs
Phase 3: Implementation
Create a project timeline with roles and checkpoints
Manage vendor onboarding and employee communications
Coordinate training, escalation protocols, and change management
Phase 4: Ongoing Oversight
Quarterly performance reports and vendor audits
Member engagement metrics and claims heat maps
Renewal forecasting and strategic adjustments
Technologies: Our team leverages integrations with health analytics platforms (e.g., Springbuk, Artemis, or client-preferred tools) and maintains a centralized audit log for all performance guarantees.
www.epoweredbenefits.com
QUICK INSIGHTS
BRIEF STATISTICS:
Of bankruptcies filed in the US are due to unmanagable medical debt, and most of those people had health insurance meant to protect them from catastrophic financial loss.
Preventable medical errors (i.e. low quality care) are the third leading cause of death in the United States. 67%
56% of insured Americans have medical debt, compared to 59% of uninsured Americans
46% of Americans are delaying buying homes due to medical debt
51% of Americans with insurance reported they’d be unable to pay a $6,000 medical bill, 32% reported they’d be unable to pay a $2,000 bill.
OUR PLANS
RESULTS MATTER
Every employer and its employee population is unique. That’s why we don’t sell one-size-fits-all health plans. We custom-build each one to align with your organization’s goals, your workforce needs, and your appetite for innovation.
We’ll work closely with your leadership team to determine the right level of plan complexity, comfort, and control, then balance that against the performance outcomes you ’ re aiming to achieve.
Below are our three most commonly implemented plan designs, along with the average savings our clients experience:
1. The Direct Primary Care (DPC) Plan
Average Savings: 40%
A foundational model that gives employees unlimited access to high-quality, relationship-based primary care, often with zero copays. This plan is ideal for employers ready to embrace value-based care and achieve maximum cost control.
2. The Open Access Plan
Average Savings: 30%
A flexible structure that allows members to see providers of their choice while integrating cost-containment tools like pre-payment review, pharmacy re-pricing, and network steerage. Designed for organizations seeking both autonomy and accountability.
3. The Hybrid Plan
Average Savings: 15-20%
A balanced approach combining traditional network access with enhanced oversight and engagement tools. Best suited for employers transitioning from legacy models and looking for early wins with low disruption.
LET’S DIG IN!
NOW YOU’VE READ ALL ABOUT OUR COMPANY, OUR VALUES, AND OUR MISSION, LET’S GET STARTED ON ANSWER YOUR SPECIFIC QUESTIONS!
1.Case Studies
2.Questionnaire
3.Service Delivery
4.Compliance & Member Support
5.Compensation Structure
6.Exhibit A/B Attestation Summaries
CASE STUDY #1:
NATIONAL MANUFACTURING CLIENT (2,000+ LIVES)
Challenge:
Client faced unsustainable annual health cost increases exceeding 12%, limited data access from incumbent carriers, and high member dissatisfaction. They had no centralized oversight on plan performance and were locked into opaque contracts with their PBM and TPA.
Our Strategy:
Transitioned the group from a traditional BUCAH carrier to a self-funded model with a performance-based TPA
Implemented a fiduciary PBM contract with full rebate pass-through and audit rights
Deployed direct primary care and specialty carve-outs, reducing ER reliance by 18%
Integrated a real-time claims dashboard and member support concierge
Outcomes:
Achieved a 28% reduction in total plan spend over 2 years
Improved medication adherence and chronic condition management
Shifted 75% of claims to high-value provider networks with transparent pricing
Empowered HR with a fully auditable compliance platform and documented governance process
Why It Matters for Western Alliance:
This project reflects our ability to design compliant, high-performance plans for complex employers. It mirrors your emphasis on fiduciary standards, member support, and actionable analytics.
CASE STUDY #2:
REGIONAL BANK (800 LIVES ACROSS 5 STATES)
Challenge:
The bank operated on a level-funded model with limited reporting and ineffective broker engagement. Executive leadership sought to align plan costs with organizational growth while protecting benefit quality.
Our Strategy:
Conducted a full vendor and claims audit to identify conflicts of interest and performance gaps
Designed a new self-funded plan structure with direct stop-loss procurement (not bundled)
Sourced new vendors via RFP process aligned with 408(b)(2) compensation disclosure standards
Created a 3-year strategic roadmap with built-in benchmarks and ROI expectations
Outcomes:
Reduced fixed and variable plan costs by $1.3M in year one
Achieved 95% employee satisfaction in post-OE survey due to membercentric rollout
Fully eliminated hidden commissions and created CFO-facing dashboards for quarterly board review
Why It Matters for Western Alliance:
This engagement directly aligns with your expectations around vendor accountability, transparent fee structures, and executive-level stakeholder involvement in plan governance.
CLIENT QUESTIONNAIRE RESPONSES
Plan Governance Answer
Who is involved in annual review?
HR, CFO/Finance, CEO/President, Other Executives
Does the plan sponsor have a 3–5 year strategic plan? Yes
How does the Plan Sponsor currently communicate to members? We enhance existing channels with concierge, app, text, and email support
Did the advisor disclose all direct and indirect compensation timely?
Is there a standing employee benefits committee or focus group?
Frequency of employee communication about benefits?
Yes. While recently there has been a Federal Law to do so, our firm has been contractually disclosing AND restricting who and where our compensation comes from since its inception.
Yes however we look to create teams specific to, and with the involvement of, each employer we serve
Quarterly or Customized
Does the plan sponsor have unrestricted access to full claims data? Yes
Which solution partners disclose all compensation sources contractually?
Current funding mechanism?
How was specific stop-loss deductible determined?
PBM contract guarantees?
Pharmacy Plan Elements
Every partner we work with is required to do so or we do not involve them in our ecosystem.
Self-funded with stop loss
Advisor & underwriting team
Advisor, Underwriting and Actuarial Team as well as a Cash Flow and Needs Analysis of each Employer Client
Custom formulary, Rx data ownership, Concurrent DUR, Claims access, PA protocols, Step therapy Manufacturer Assistance Program integration, co-pay coupon maximization, international sourcing (Client discretion), direct contracts with pharmaceutical manufacturers, adherence monitoring and incentive programs
SERVICING PHILOSOPHY & QUALITY ASSURANCE
PERFORMANCE GUARANTEES:
We make promises that we guarantee to keep.
E Powered Benefits is paid a monthly fee by our clients with an added performance agreement based on your needs and our results. If we cannot meet your goals, we'll sacrifice a significant portion of our own income.
WHY? Because we believe that being aligned with our client's vision is the best and only way to out-perform our competition. And, it just so happens to deliver exceptional results.
We are not influenced by, nor do we accept in any form, commissions, bonuses, or financial incentives from anyone but our client. We work around-the-clock for you, so that we can maximize our own revenue and grow our practice. We want everyone to succeed!
Our dedicated, 24/7 account management service is the backbone of our results-driven system. The more we micromanage your plan and mitigate your potential risk, while swiftly addressing any issues that arise along the way, the more successful we (and you) will be.
We hold all our plan partners to the same service expectations by implementing quarterly performance guarantees around customer service, claims adjudication accuracy, and plan performance.
We believe in root cause analysis, accountability, and learning opportunities. Your plan partners are just that - partners. We'll always prioritize working together to find solutions.
SERVICE TEAM QUALIFICATIONS
At E Powered Benefits, we work exclusively on self-funded health plans. It is our expertise and sole focus. Continuing education and innovation are intimately tied to our culture.
Every team member at EPB and affiliate companies are required to take the Certified Health Value Advisor course, credentialed by the Validation Institute after completion of the NABIP Self-Funded & Advanced Self-Funded Certification Courses as well as the Prescription Benefit Certification.
Our team is strategically identified to attend specific, self-funded-focused conferences each year and is responsible for teaching our own symposium.
Several team members have completed excess coursework from the likes of SHRM and Health Rosetta.
Our CEO was the co-founder of the Lynchburg University Master’s Degree in Benefits Design and a guest lecturer.
Our agency and our founders are Verified by the Association of Healthcare Advisors, proving transparency in fee disclosure and benefits advising.
DELIVERY & SUPPORT
Day-to-Day Plan Management
Your account will be supported by a dedicated multidisciplinary team led by a Senior Advisor.
Services include:
Seamless coordination with enrollment vendors and HRIS systems
Real-time claims monitoring and escalation protocols
Daily Slack/Teams availability with defined response SLAs
We act as an extension of your internal team: proactive, responsive, and accountable.
Using Data for Plan Optimization
Example 1:
A multi-site healthcare employer experienced a surge in high-cost imaging claims. Using claims heat maps, our analytics team identified leakage to out-ofnetwork radiology. We launched an immediate re-navigation campaign and updated the network contract midyear.
Result: Saved $260K annually, with zero disruption to care access.
Example 2:
One client’s specialty drug trend was outpacing benchmark. We layered a specialty Rx carve-out, coupled with nurse-led outreach for adherence support.
Result: 42% savings on specialty medications with improved adherence rates.
MEMBER SUPPORT & ENGAGEMENT
Example 1:
A plan member was billed $9,400 for a surgery that should have cost $1,100. Our member concierge team worked with the TPA and repricer to negotiate resolution, coordinated direct payment, and educated the member.
Outcome: $8,300 in savings and restored member trust.
Example 2:
A diabetic member was cycling through ER visits due to poor PCP access. We arranged DPC enrollment and aligned a clinical pharmacist for coaching.
Outcome: No ER visits in 9 months; improved A1C and reduced absenteeism.
Technology & Member Experience
E Powered Benefits integrates with or can recommend third-party tools that enable:
Claims dashboards and custom analytics
Employee-facing platforms with plan literacy tools and provider guidance
Open enrollment micro-sites and decision support engines
Educational campaign support via text and email
Interactive member-facing benefits website
Virtual benefit fairs and open enrollment concierge
Year-round enrollment support for new hires
OUR PARTNERS
BENENGAGE
Benegage serves as our member support partner, offering white glove concierge service with a holistic approach. They provide comprehensive email and phone support, including Spanish support, to ensure all members' needs are met. Their proactive outreach assists members during enrollment periods and for new hires, ensuring a seamless experience. Operating from 6am to 6pm PST, Benegage ensures extensive availability for our members. Their dedicated team is committed to providing personalized assistance, making the member experience smooth and efficient. With Benegage, our members can rely on timely and effective support for all their needs.
more at www.benegage.com
Blue Raven Actuarial is a vital tool for our employers and members, offering innovative risk management and stop-loss solutions. Through their advanced actuarial analytics, they provide detailed plan experience reporting, including loss ratios, renewal projections, and savings assessments. Blue Raven's expertise extends to health analytics and clinical data analysis, ensuring comprehensive insights into health plan performance. They also offer specialized pharmacy consulting to optimize medication-related expenses Additionally, Blue Raven integrates point solutions into their cost structure, delivering a holistic approach to managing healthcare costs and risks. Learn more at www.blueravenactuarial.com
CLIENT INTERACTION
HAVE CLIENTS; WILL TRAVEL.
We are happy to commit to regular, in-person visits with the leadership team, including inperson educational sessions with members. We can commit to quarterly on-site meetings and monthly virtual meetings as needed.
To us, it’s very important that members are encouraged to enroll one-on-one so they can gather the most accurate information on their health plan. Our concierge is live and ready to assist.
Our member concierge services track and record all calls, texts and voicemails for quality purposes. All of this is reportable data and can be requested by the client at any time. We’ll provide quarterly reports on all member activity and timelines for upcoming project due dates, like compliance reporting or renewal considerations.
Projects, including renewals and launches, are managed using our project management software.
We have included a usual Scope of Services in Appendix A. It includes strategic services, member support, concierge services, compliance, customized data analytics, renewal activity, new coverage quoting, and HR support.
TRANSPARENCY IS AT THE HEART OF EVERYTHING WE DO
PROGRAMS & ENGAGEMENT
We carefully monitor the health and well-being of all plan participants in partnership with our trusted medical management experts.
We will make data-backed recommendations to improve the overall health and experience of your employees and their families.
Our CEO worked alongside key fitness and nutritional program partners, specifically for employers, with a focus on patients battling obesity. Alongside the monitored use of GLP-1 medications, our coaching program can deliver weight loss success while reinforcing health-based education to ensure continued success without the continued cost of these expensive drugs.
Programs that provide elevated access to mental health support, advanced primary care, medication management, physical therapy, reproductive medicine, and autism support are frequently and highly recommended core components of a health plan.
EPB will provide a thorough clinical and financial analysis of all recommended plan solutions and assist with all decisions.
We do not accept compensation from these plan partners.
DATA SECURITY & MANAGEMENT
We use industry leading technology that is entirely HIPAA compliant. All services are housed in the cloud with banking grade encryption, redundant backup, and long-term archives. Our compliance partner, MZQ Consulting, facilitates all our team HIPAA and PHI compliance training on an annual basis.
LEGAL & COMPLIANCE
We utilize in-house general ERISA counsel and compliance firm, MZQ Consulting to support all our client’s benefits & compliance needs.
Our clients receive turnkey support for:
Mental Health Parity Attestations
Gag Clause Removals & Redlining
ERISA Fiduciary Documentation
408(b)(2) Disclosures
Compliance Calendar Management
We deliver updates via monthly compliance bulletins and conduct annual fiduciary audits with reporting templates ready for DOL/IRS review.
Additional Services & Differentiators
Pre-payment integrity audits for claims and Rx
Direct contract implementation with local health systems
Stop-loss benchmarking tools with market re-quotes
Executive dashboards aligned to HR, Finance & C-suite KPIs
Transparent Cash Based payment structure leveraging technology for zero
patient out-of-pocket and lower plan cost
Access to 20,000 plus direct contracts
E POWERED IN-HOUSE COUNSEL IS UPON REQUEST AND TURNAROUND TIME FOR URGENT NEEDS CAN BE WITHIN THE DAY.
COMPENSATION
Our compensation is derived only from our clients. We do not accept health plan or stop loss commissions. This includes bonuses, overrides, travel incentives, and gifts.
employees
Mutually agree to fixed monthly consulting fee
All of our consulting contracts include a performance guarantee and schedule of performance payment. This is generally 20% of total plan savings from the prior year and dependent on EPB reaching the goals outlined at commencement.
Disclosure Policy
We provide formal 408(b)(2) disclosures:
At the point of proposal, included with the attestation
Annually, or any time a change in compensation occurs Upon client request, with detailed line-item breakdowns
Our compensation model is fully ERISA-compliant and designed to eliminate conflicts of interest entirely.
E Powered Benefits affirms full adherence to the fiduciary standards outlined in Exhibit A, including:
Contractual Protection: We ensure all vendor agreements include audit rights, measurable guarantees, and termination clauses aligned with fiduciary duty.
Total Transparency: We disclose all forms of compensation direct and indirect and never accept third-party payments.
Vendor Independence: Our recommendations are unbiased and rooted in full-market evaluations, not proprietary panels.
Pre-Payment Oversight: We implement pre-adjudication audits to catch overbilling or errors before funds are disbursed.
Data Access: We guarantee the client receives full machine-readable files (claims, Rx, eligibility, etc.) with no restrictions.
We are prepared to sign this attestation without modification and support a governance model that puts Western Alliance’s interests first.
EXHIBIT B: SAMPLE COMPENSATION
FORM
(To be submitted on letterhead with final proposal)
Advisor: E Powered Benefits
Client: Scott Family Amazeum
Total Direct Compensation: $
Total Indirect Compensation: $0
Contingent Compensation: None
Non-Monetary Compensation: None
Advisor Warranty:
I certify that all information disclosed above is true and complete, and will notify the client of any changes within 60 days.
Client Warranty:
I acknowledge receipt of this disclosure and affirm fiduciary authority for the group health plan.
Targeted audit launched for case management underperformance
New PBM scorecard showing member-level savings impact
Financial impact summary and recovery credits for stop-loss delay
APPENDICES: SUPPORTING MATERIALS
APPENDIX B: SAMPLE 3-YEAR STRATEGIC ROADMAP
Year 1 – Stabilization & Transparency
Vendor replacement and contract redlining
Claims and Rx data warehousing
Employee education & engagement refresh
Year 2 – Optimization & ROI
Launch bundled payment or direct primary care options
Integrate clinical analytics and social determinants data
Quarterly plan scorecards and predictive forecasting
Year 3 – Innovation & Accountability
Deploy pre-payment integrity tools
Evaluate value-based contracting models with health systems
Tie vendor fees to performance outcomes
APPENDIX C: MEMBER ENGAGEMENT SNAPSHOT
Channel Breakdown (sample client):
62% used concierge navigation tool
89% of members completed OE via digital microsite
93% satisfaction score from plan members interacting with our support team
PROPOSAL SUMMARY
Western Alliance Bank is seeking more than a broker; it’s seeking a fiduciary partner with the integrity, tools, and vision to transform its health benefits strategy. E Powered Benefits is ready to meet that challenge.
We offer:
Independent, fee-only guidance with no vendor incentives
A proven system for quarterly performance oversight
Deep expertise in PBM procurement, stop-loss negotiation, and contractual enforcement
A culture of data-driven results, member empathy, and plan governance discipline
We are not the biggest, we are the most accountable. And we believe that makes all the difference. We have a proven track record of achieving the Quad Aim: better care, access, and lower costs for patients and employers.
SINCERELY
At E Powered Benefits, we believe that every dollar wasted on opaque contracts and unchecked vendors is a dollar taken from employee health and organizational impact. We don’t just advise, we advocate. For your people, your fiduciary integrity, and your plan’s performance.
We’re honored to be considered and look forward to the opportunity to partner with Western Alliance in building a smarter, more transparent, and higherperforming health benefits program.
With gratitude, Emma Fox
What’s inside
Table of Contents
Who we are
Why we’re different
Your personalized carrier proposal
Gene Therapy information
Marketing results
Carrier proposals
Quick Facts
Who we are
Since 2009, Stealth Partner Group has helped brokers and their clients navigate the uncharted waters of self-funding. With focused expertise and a complete, unbiased commitment to providing quality, turnkey stop-loss solutions, Stealth has made self-funding a more viable option that drives value for employer groups of all sizes.
Atlanta, GA / Austin, TX / Bluffton, IN / Charleston, SC / Chicago, IL / Dallas, TX / Detroit, MI Houston, TX / Newport, RI / Newton, IA / Pepperell, MA / Philadelphia, PA / Portland, OR San Francisco, CA / Scottsdale, AZ / Tampa, FL / Trumbull, CT / Worcester, MA
Stealth by the numbers
$1.5B in Premium Placements
About Amwins
Stealth is backed by Amwins, the nation’s largest wholesale broker, and is an integral part of our Group Benefits division, which offers a portfolio of self-funded and fully insured capabilities that help clients manage costs and take care of their people.
Amwins by the Numbers
Largest overall wholesale broker in the U.S.
Independent 3rd-Party Consultative Expertise
As career stop-loss professionals, you can trust our expertise, and as independent experts, you can trust our perspective.
Cost-Containment Solutions
We mitigate rising claims costs through integrated proprietary solutions that focus specifically on managing large catastrophic claims.
Underwriting
Our tenured team capitalizes on our unique long-term carrier relationships and robust resources to produce highly effective carrier negotiations.
Account Management
We simplify paperwork/implementation, ensure deadlines are met, act as a single point-of-contact, and provide ongoing enhanced account management support.
Specialty Programs
Whether a multi- employer captive, fully-insured transition program or an industry-specific specialized solution, we keep our finger on the pulse and build out capabilities to match.
Data Analytics and Reporting
Our universe of data enables us to deliver customized reports that provide actionable insights and help you make informed decisions.
Claims Management
Our experienced team is hands-on from the start, providing end-to-end management of the claims process, which results in fewer unanswered questions and timely, accurate reimbursements.
Premium Administration
As a licensed and bonded TPA, we offer turnkey solutions to streamline self-administered billing and provide an additional layer of financial quality control.
Access to More
Whether you’re looking for specialty insurance products/services, robust specialized benefit administration or customized program development/ management, through Amwins, you have access to an entire portfolio of Group Benefits Solutions.
Stealth-Endorsed Carriers
We thoroughly evaluate each carrier before marking it with our seal of approval and only work with the industry’s top markets.
Gene Therapy Solutions (GTS-15)
Mitigating the cost of gene and cell therapy treatment through an innovative reimbursement program.
Current Landscape & Employer Risk
In recent years, we have witnessed scientific breakthroughs that have stretched far beyond the current standard of care to modify, add, or remove human cells and genes. These developments have created life-changing and life-saving outcomes for certain immunocompromised and genetic disorders and are remarkable not only for their scientific wonder and achievement, but the cost associated with each.
Employer Risk
We will continue to see new gene therapy and cellular treatments emerge addressing additional genetic disorders. With therapies ranging from $338,000 to $4,250,000, employer plans and carriers take on major risks associated with the cost of these treatments.
Expected Impact
Expected # of cases: 1 in every 150,000 members
Expected total cost for those cases: $36M
The sense of urgency for a solution is now greater than ever. While many agree that access to these therapies is essential, employers must navigate the expense barrier to make that possible.
Our Solution
How it Works
Amwins Gene Therapy Solutions (GTS) offers reimbursement to group health plans and their coordinating stop-loss carrier for qualified claims. Qualifying reimbursements extend from the first dollar of group health plan expense up to specified limits for each covered therapy.
Our program distributes the reimbursement according to the stop-loss deductible. Following the adjudication of a qualified claim, our program reimburses the group health plan dollar one of their expenses up to their specific deductible and the balance of the reimbursement is distributed to the associated stop-loss carrier.
The program is transferrable if a group health plan elects underlying plan changes to their network, PBM, TPA or other partners. The group health plan does not run the risk of losing the program.
Our Solution
We offer two options to meet budgetary considerations for all of our clients. We offer GTS-5 which provides reimbursement for five therapies and GTS-15 which provides reimbursement for fifteen therapies.
*Maintenance drug; Cost in year 1 is ~ $750K and $~375K in subsequent years **Cell Therapies
$3,100,000
$4,250,000
$498,408
$522,055
$2,729,500
$4.75 Per employee per month (PEPM)
2023 Case Study: Zolgensma
Gene Therapy Reimbursement Information
$2.2M
Maximum Benefit
Employer Type: Municipality
Lives: 5,000
Renewal Date: 1/1
Specific Deductible: $800,000
Prior plan year: Stop loss BUCA bundled
$800K
Employer Reimbursement
Current plan year: Stop loss unbundled, BUCA moved to ASO
Zolgensma Reimbursement Timeline
Covered infant born on 4/27/2023
Diagnosis confirmed on 5/6/2023 Treatment was administered on 5/16/2023
Facility files the claim on 6/9/2023 ASO BUCA funds the claim on 6/20/2023
Stop loss claim begins on 6/22/2023. Stop loss claim filed 7/17/2023
$1.4M Stop Loss Carrier Reimbursement
Allowed Charges: $2,254,810
Specific Deductible: $800,000
Stop Loss Paid: $1,454,810
Employer Renewal: 0% increase
Lasers Issued: 0
Stop loss claim reimbursed 8/15/2023
Gene therapy claim submitted on 8/24/2023
Gene therapy claim approved on 9/20/2023.
Gene therapy funds released on 9/22/2023.
The Amwins Advantage - Simple, comprehensive protection for your client
Meaningful Protection - First-dollar protection is given to the plan sponsor
Industry Experts - Our experts monitor the landscape of FDA approvals and make purposeful additions to our program that bring value and positive results to clients
Portability - changes in the underlying plan does not affect coverage terms
Simplified Billing - Administrative burden is reduced by including the program fee in the stop-loss bill
Reach out to your Stealth Sales Representative to learn more and discuss our programs, including GTS!
For all renewing clients, we have upgraded your coverage to GTS-15 in your recent renewal proposal.
GROUP: Scott Family Amazeum
EFFECTIVE DATE: June 1, 2025
GROUP: Scott Family Amazeum
EFFECTIVE DATE: June 1, 2025
18700 N Hayden
Suite
Scottsdale, AZ 85255 (480) 529-6787 Scotty.Campbell@amwins.com
GROUP: Scott Family Amazeum
EFFECTIVE DATE: June 1, 2025
GROUP: Scott Family Amazeum
EFFECTIVE DATE: June 1, 2025
18700 N Hayden Rd. Suite 405 Scottsdale, AZ 85255 (480) 529-6787 Scotty.Campbell@amwins.com
