The fiduciary case,
proven line by line.
Benchmark all of your PBM in-force contracts to maximize renewal strategies for 2027!
Forensic reports, 8 of them, for $500 each, grow your sales by getting intelligence on competitive accounts.
Use my Aon Middle Market Practice Leadership experience to win new AOR's!
Jeremiah and his team bought a fresh perspective on our PBM contract that Marsh and Gallagher did not.
— John H. Murphy, Saint Joseph County Auditor
The Platform
Benchmarks you can put in front of a plan fiduciary.
Most vendor 'analysis' is an opinion in a slide. Kincaid Health is different by construction: every number is anchored to a national government dataset, carries its source and its year, and passes a verification chain before it is ever allowed to appear in a report. What you receive is not a pitch — it is evidence with lineage.
Forensic Intelligence Services
Eight constitutional reports
Every service built on the Evidence Spine Protocol. $500 flat per report. 24-hour delivery. Defensible in litigation.
PBM Contract Clarity 360
A full forensic read of your pharmacy benefit contract — spread, rebate definitions, and the language that quietly moves dollars away from the plan.
Stop-loss Contract Clarity
Laser thresholds, aggregating specific deductible clauses, terminal liability provisions
TPA Contract Clarity
Per-employee fees, PEPM reconciliation, claim adjudication SLA guarantees
Broker Compensation Study
Direct/indirect compensation, vendor partnership kickbacks, DOL Form 5500 cross-check
M&A Due Diligence
Plan liability transfer analysis, claims reserve adequacy, historical trend forensics
Plan Metrics iQ
Peer cohort benchmarking, cost-per-life-per-year trending, utilization variance analysis
Fiduciary iQ
ERISA 404(a) prudent person compliance, fiduciary breach exposure mapping
Network iQ
Provider contract rate validation, reference-based pricing opportunity gaps
See the Evidence for Yourself
Download a complete PBM contract forensic analysis — the same depth and rigor you'll receive in your $500 report.
Every finding in this report is backed by verifiable source documents. Below is the complete evidence trail showing exactly where each piece of intelligence was derived. This is forensic-grade documentation—not consulting opinions.
PBM Contract Clarity Report
Kincaid iQ Intelligence • Prime Therapeutics Analysis
DOL Filing Cross-Reference
EIN linkage to EFAST2 database, plan characteristics validated against government records
PBM Contract Analysis
Rebate pass-through mechanics, spread pricing triggers, MAC list compliance
Evidence Documentation
Complete source citations with document references and verification trails
Fiduciary Exposure Mapping
ERISA 404(a) compliance gaps, prohibited transaction risk assessment
92,385-line forensic analysis • 100% DOL-verified data
What You'll Find
- →Complete DOL filing lineage with EFAST2 cross-references
- →PBM contract clause-by-clause deconstruction
- →$18.7M in hidden spread pricing identified and documented
- →Actuarial validation with ASOP 41/56 compliance
Real Intelligence
This is the same forensic rigor Jeremiah Shrack delivered as SVP at Aon's Middle Market Practice — now available to brokers, consultants, and plan sponsors at $500 flat.
Win Competitive Accounts
Use this intelligence to demonstrate your expertise in prospect meetings. Show them you understand their current vendor relationships better than their incumbent broker — with DOL-verified proof.
Fiduciary ERISA IQ
ERISA compliance analysis with litigation-defensible documentation
Complete fiduciary duty assessment mapped to DOL enforcement actions and court precedent
Fiduciary ERISA IQ Report
Kincaid iQ Intelligence • Complete Fiduciary Assessment
ERISA 404(a) Compliance Mapping
Prudent person standard assessment with documented governance gaps
DOL Enforcement History
Cross-referenced against actual DOL enforcement actions and settlement patterns
Court Precedent Analysis
Breach exposure mapped to relevant case law and judicial standards
Remediation Roadmap
Prioritized action plan with specific compliance recommendations
Complete fiduciary assessment • Litigation-defensible documentation
Fiduciary Duty Assessment
- →ERISA 404(a) prudent person compliance gaps identified
- →Prohibited transaction exposure under ERISA 406
- →Service provider monitoring deficiencies documented
- →Governance framework recommendations with precedent citations
Litigation Defense
This report provides the documentation trail plan fiduciaries need to defend against ERISA litigation. Every compliance gap is mapped to specific regulatory requirements and enforcement precedent.
Governance Framework
Beyond identifying gaps, this report provides a remediation roadmap with specific governance procedures, monitoring protocols, and documentation standards that align with DOL expectations.
Broker Compensation Study
Forensic archaeology of broker revenue streams with DOL-verified evidence
The one line item you were never allowed to audit — what your broker actually earns, benchmarked and laid bare
Broker Compensation Study
Kincaid iQ Intelligence • Complete Revenue Forensics
Direct & Indirect Compensation Mapping
Base commissions, overrides, contingent fees, and vendor partnership kickbacks documented
DOL Form 5500 Cross-Reference
Schedule C disclosures validated against actual service provider payments
Multi-Layered Revenue Streams
Hidden compensation channels from PBMs, TPAs, carriers, and technology vendors
Peer Benchmarking Analysis
Compare against industry standard compensation ranges for similar plan sizes
Complete compensation archaeology • DOL-verified evidence trails
Revenue Forensics
- →Direct commissions and overrides fully documented
- →Vendor partnership kickbacks and contingent payments revealed
- →PBM rebate sharing and technology platform fees mapped
- →Multi-year compensation trend analysis with benchmarks
Competitive Intelligence
Use this intelligence to demonstrate transparency in prospect meetings. Show them you understand their current broker's entire compensation structure — not just what appears on the invoice.
Win New Business
Walk into prospect meetings with forensic proof of what their incumbent broker actually earns — not just base commission, but every hidden revenue stream. This is the intelligence that wins AOR transitions.
Plan Metrics IQ
Forensic plan performance analysis with national & peer group benchmarking
Not a dashboard of what happened — the receipts for who's accountable, with lineage on every figure
Plan Metrics IQ Report
Kincaid iQ Intelligence • Complete Performance Analytics
National & Peer Group Benchmarking
Compare against 757,294 DOL-indexed employers by size, geography, and industry
Cost Driver Breakdown Analysis
Medical, pharmacy, specialty, and utilization patterns decomposed by category
Multi-Year Trend Analytics
5-year claims history with predictive modeling and risk indicators
Actuarial Validation
Every metric verified against ASOP 41/56 standards with source citations
Complete performance analytics • Actuarially validated benchmarks
Performance Intelligence
- →55,883 participants, $578.3M annual claims analyzed
- →Cost-per-life benchmarking vs national and peer cohorts
- →Medical, pharmacy, and specialty cost driver decomposition
- →5-year trend analysis with predictive risk modeling
Actionable Insights
Walk into prospect meetings with complete performance intelligence. Show them exactly where their plan sits relative to national benchmarks and peer cohorts — with DOL-verified evidence backing every data point.
Competitive Advantage
Demonstrate your analytical depth with forensic-grade plan performance intelligence. Show prospects you understand their cost drivers, utilization patterns, and risk exposure better than their incumbent — before the first meeting.
TPA Contract Clarity
Forensic TPA contract analysis with fee structure decomposition and service guarantee mapping
Administrative terms, fee schedules, and data-access rights mapped and scored across the whole self-funded stack
TPA Contract Clarity Report
Kincaid iQ Intelligence • Complete TPA Forensics
Fee Structure Decomposition
Per-employee fees, PEPM reconciliation, claim adjudication costs broken down by service type
Service Level Agreement (SLA) Mapping
Claim turnaround guarantees, error rate thresholds, and penalty provisions documented
Data Access & Portability Rights
Claims data ownership, export rights, and transition assistance provisions analyzed
Termination & Liability Clauses
Run-out provisions, liability caps, and indemnification terms benchmarked against industry norms
Complete TPA forensics • Service guarantee mapping
TPA Fee Analysis
- →Per-employee administrative fees fully decomposed by service category
- →PEPM reconciliation with actual member count validation
- →Hidden charges in implementation, reporting, and data access mapped
- →SLA guarantees scored against industry performance standards
Contract Intelligence
Use this intelligence to demonstrate your analytical depth in TPA selection. Show prospects you understand the full cost structure and service obligations — not just the headline PEPM rate. Identify where their current TPA contract falls short of industry norms.
Win TPA RFPs
Walk into RFP meetings with forensic proof of what their incumbent TPA actually costs — including hidden fees, weak SLAs, and unfavorable data portability terms. This is the intelligence that wins self-funded plan transitions.
Network IQ
Forensic provider network analysis with contract rate validation and reference-based pricing opportunities
Behind every "90% off billed charges" headline is fine print. Network IQ reads it against national norms.
Network IQ Report
Kincaid iQ Intelligence • Complete Network Forensics
Provider Contract Rate Validation
Discount percentages verified against Medicare rates and regional benchmarks
Network Adequacy Analysis
Geographic coverage gaps, specialty access limitations, and provider concentration risks
Reference-Based Pricing Opportunities
Medicare-plus percentage analysis showing potential savings vs contracted rates
Out-of-Network Liability Exposure
Balance billing risk assessment with state law compliance framework
Complete network forensics • Rate validation analysis
Network Rate Analysis
- →Provider contract rates validated against Medicare benchmarks
- →Geographic coverage gaps and specialty access limitations mapped
- →Reference-based pricing opportunity analysis with savings potential
- →Out-of-network liability exposure documented by state
Strategic Intelligence
Use this intelligence to evaluate network adequacy claims and identify cost-containment opportunities. Show prospects where their current network contract leaves money on the table — with Medicare-benchmark evidence backing every assertion.
Win Network RFPs
Walk into network selection meetings with forensic proof of discount percentage claims — validated against Medicare rates and regional benchmarks. This is the intelligence that wins network strategy engagements and reference-based pricing implementations.
Stop-Loss Contract Clarity
Forensic stop-loss contract analysis with laser threshold validation and terminal liability mapping
Lasering, run-in/run-out terms, and reimbursement mechanics examined against national norms so surprises don't arrive at renewal
Stop-Loss Contract Clarity Report
Kincaid iQ Intelligence • Complete Stop-Loss Forensics
Laser Threshold Validation
Specific and aggregate deductible levels benchmarked against peer plans and actuarial standards
Run-In/Run-Out Terms Analysis
Incurred versus paid provisions, terminal liability periods, and claim reporting deadlines
Contract-to-Contract Comparison
Aggregating specific deductible mechanisms, maximum covered expense definitions, and rate guarantee terms
Premium Rate Validation
Rate-per-employee benchmarking with multi-year trend analysis and renewal projection modeling
Complete stop-loss forensics • Terminal liability analysis
Stop-Loss Analysis
- →Specific and aggregate deductible levels benchmarked against peer cohorts
- →Run-in/run-out provisions mapped with terminal liability exposure
- →Aggregating specific deductible mechanisms and contract-to-contract differences
- →Premium rate validation with multi-year trend forecasting
Contract Intelligence
Use this intelligence to identify stop-loss contract weaknesses before renewal. Show prospects where their current coverage has gaps in terminal liability protection, unfavorable laser thresholds, or rate structures that expose them to unexpected premium increases.
Win Stop-Loss RFPs
Walk into renewal meetings with forensic proof of unfavorable contract terms — laser thresholds above peer norms, weak terminal liability protection, or premium rates disconnected from actuarial expectations. This is the intelligence that wins stop-loss carrier transitions.
M&A Due Diligence
Forensic health plan liability analysis for acquisition targets with claims reserve validation
Every acquisition inherits a health plan. We price the liability before the ink dries — not after it's yours.
M&A Due Diligence Report
Kincaid iQ Intelligence • Complete Acquisition Analysis
Plan Liability Transfer Assessment
Complete health plan exposure analysis with claims reserve adequacy validation
Historical Claims Trend Forensics
5-year medical and pharmacy utilization patterns with variance analysis
Vendor Contract Risk Mapping
TPA, PBM, and stop-loss contract terms evaluated for integration complexity
Post-Acquisition Cost Projection
3-year forward modeling with integration cost scenarios and synergy opportunities
Complete acquisition analysis • Claims reserve validation
Liability Intelligence
- →Historical claims trend analysis with 5-year utilization patterns
- →Claims reserve adequacy validation against actuarial benchmarks
- →Vendor contract termination clauses and integration complexity mapped
- →Post-acquisition cost projection with 3-year forward modeling
Pre-Close Intelligence
Use this intelligence during due diligence to price health plan liabilities accurately. Identify hidden exposures in claims reserves, unfavorable vendor contracts, and post-acquisition integration costs before the deal closes — not after.
Support M&A Transactions
Walk into acquisition negotiations with complete health plan intelligence. Show your clients exactly what they're inheriting — claims trends, vendor liabilities, reserve adequacy — with forensic documentation that survives investor scrutiny.
Sample Intelligence Reports
See the depth of forensic analysis in our $500 flat-fee reports
The Evidence Spine Protocol
Seven constitutional validators that transform raw contract language into forensic-grade benchmarks. Every claim we make can be traced back to a specific DOL filing, regulatory citation, or actuarial standard.
Constitutional Framework
"Every benchmark must be defensible in litigation. Every dollar variance must trace to DOL-filed evidence. Every recommendation must survive actuarial scrutiny."
— Kincaid Health Evidence Spine Protocol, V9.0
DOL Lineage Lock
Every claim anchored to specific EFAST2 filing IDs. 757,294 employer rows indexed and cross-referenced.
Actuarial Standard Compliance
All benchmarks validated against ASOP 41 (Actuarial Communications) and ASOP 56 (Modeling) standards.
Multi-Source Triangulation
Cross-validate contract terms against DOL filings, carrier rate sheets, and TPA fee schedules.
Temporal Consistency Check
Track contract evolution across plan years. Flag anomalous year-over-year changes exceeding industry norms.
Peer Cohort Precision
Match employers by size, geography, industry, and funding model. No apples-to-oranges comparisons.
Regulatory Citation Chain
Link every compliance finding to specific CFR sections, DOL guidance, or court precedent.
Algorithmic Reproducibility
All calculations documented with formula notation. Any third party can recreate our results from source data.
Contract Language Forensics
Deconstruct vendor contracts clause-by-clause. Identify ambiguous definitions, carve-outs, and administrative loopholes that shift liability.
Financial Impact Quantification
Convert every contract variance into dollar exposure. Show plan sponsors exactly what each clause means in annual premium equivalents.
Kincaid iQ Verify Engine
The constitutional verification engine that powers every Kincaid Health report. Built on 757,294 indexed DOL filings, cross-referenced against actuarial standards, regulatory guidance, and court precedent.
$500
flat, per report
Forensic intelligence at one deliberate price. No tiers, no gatekeeping — because a plan sponsor's right to understand their own contracts shouldn't depend on the size of their budget.
Subject Matter Expert
Jeremiah Shrack
CEO and Chairman, Kincaid Health
Experience
- • SVP, Middle Market Practice Leader — Aon
- • SVP, Client Strategy — Huntington National Bank
- • VP of Health & Wellness — Brown & Brown Insurance
- • 15+ years in health benefits and insurance consulting
Expertise
For over two decades, he has garnered a reputation for building enterprise IT, sales, and marketing infrastructure, re-engineering strategic frameworks for executive teams, scaling enterprise organizations, and redefining how advanced AI analytics intersect with human judgment.
Consulting sells advice in branded slides. We built Kincaid on DOL-filed evidence and actuarial rigor — every dollar traceable,every benchmark defensible.
— Jeremiah Shrack, CEO
Use my Aon Middle Market Practice Leadership experience to win new AOR's. Get forensic intelligence on competitive accounts at $500 per report — the same precision I delivered to Fortune 500 employers, now accessible to brokers, consultants, and plan sponsors nationwide.