ERISA Fiduciary Standard Governed

Is your PBM expert serving your best interest, or theirs?

You are legally required to have a strict fiduciary for your 401(k) retirement plan. Why should your multi-million dollar pharmacy benefit plan be any different? We forensic audit PBM contracts, uncover hidden spreads, and guarantee results.

Live Audit Detection
Midwest Logistics (420 lives): Generic Spread Markup
Estimated Waste
$142,500
Calculate Your Savings
✓ SSAE-18 SOC 2 certified✓ HIPAA-compliant✓ Credentialed Actuarial team
kincaid-telemetry-feed
Live Audit Guard Active
Audit Recovery
$1,485,600
Active Audits
10,482claims
Telemetry Engine
42% load
19:26:01PBM SpreadImatinib Margin Spread
+$8,060/script
19:26:05GPO RebateHopebridge Retained Rebate
32% Retained
19:26:12Specialty MarkupOncology Compound Surcharge
+$4,200/unit
19:26:18Copay MaximizerManufacturer Coupon Exclusion
$12,400 diverted
Fiduciary Intervention Advice

Formulary audit recommends carving out Specialty Oncology coverage instantly to prevent undisclosed $12,400 coupon harvesting overcharges.

Interactive Audit Playground

The Fiduciary Lab Hub

Unlock immediate practical value with three active forensic toolkits. Run a contract uploader simulation, query benefits brokers CAA compliance ratings, or compute instant actuarial recoveries.

Secure PBM Contract Forensic Scanner

Simulate a secure PBM agreement compliance audit. Uncover hidden spreads and restrictive clauses instantly.

Fiduciary Verification Required

Enter your business coordinates to unlock the diagnostic sandbox tools.

Benefits Broker Transparency Directory

Benefits brokers are legally required to disclose commissions under CAA Section 202. Look up your firm to check ratings.

Fiduciary Verification Required

Enter your business coordinates to unlock the diagnostic sandbox tools.

Instant Fiduciary Cost Modeler

Adjust benefits parameters to calculate immediate cash recoveries and download your Actuarial Executive Briefing.

Fiduciary Verification Required

Enter your business coordinates to unlock the diagnostic sandbox tools.

Forensic Research & Analysis

Fiduciary Intelligence Library

Unlock deep structural overcharge proof. Authenticate secure executive download access to our certified PBM generic pricing arbitrage, EBITDA defense audit, and sovereign actuarial research papers.

Arbitrage ForensicsJune 2026
14 Pages

The $6.4 Billion Arbitrage

An investigative forensic study exposing hidden PBM generic pricing arbitrage, spread markups, and rebate retention mechanisms across employer-sponsored health plans.

Secure Access Gateway
Fiduciary TechJune 2026
44 Pages

Sovereign by Math: Evidence First Transformation

A comprehensive actuarial manual detailing how mathematically verifiable transaction ledgers replace traditional, non-fiduciary benefits consulting.

Secure Access Gateway
EBITDA DefenseMay 2026
18 Pages

JB Hunt EBITDA Defense Audit

A real-world defense model analyzing strategic health plan waste containment and its direct compounding effect on corporate enterprise valuation.

Secure Access Gateway
Fiduciary TechApril 2026
12 Pages

Designed to Replace Consultants

A strategic overview of algorithmic audit technology and self-driving contracts that render legacy brokerage override structures obsolete.

Secure Access Gateway
Immediate Value Calculators

See Your Potential Savings in Real-Time

Use our interactive calculators to quantify the hidden costs in your current PBM contract. Input your actual numbers and see immediate results.

Your Potential Savings Calculator

Unlock Your Personalized Savings Estimate

Provide your contact information to access the ROI Calculator and see your potential savings.

Your information is secure and will only be used to provide you with relevant insights.

Hidden PBM Markup Calculator

Unlock Hidden Markup Analysis

See the actual spread between your PBM charges vs. NADAC benchmark prices. Provide your contact information to access the calculator.

Your information is secure and will only be used to provide you with relevant insights.

Ready to recover these savings?

Book a 30-minute audit call to validate your numbers with our actuarial team.

Plan Vulnerability Diagnosis

Plan Cost Leakage Heatmap

Pharmacy benefit costs are heavily inflated inside traditional PBM frameworks. Hover over each sector to inspect exactly how PBMs extract margins and see Kincaid IQ's contract solution.

Hover over different sectors on the heatmap to diagnose cost vulnerabilities...
Absolute Transparency

Traditional Broker vs. Fiduciary Standard

Compare the legal obligations, audit capabilities, and aligned incentives under our strict fiduciary healthcare model.

Audit & Contract Parameter
Traditional Broker
Fiduciary Standard
Legal Fiduciary Liability
None (Disclaimed)
Contractually Assumed
Full Contract & MAC Audit Rights
Heavily Restricted
Unlimited / 100% Uncapped
Compensation Alignment
Opaque Commission/Bonus
Flat Retainer (Aligned Fee)
Rebate Optimization Flow
Retained by PBM / GPO
100% Shared / Pass-Through
Operational Blueprint

The 30-Day Forensic Audit Journey

Our standardized 30-day fiduciary audit pipeline processes raw claim lines securely under ERISA protection with zero operational friction.

Days 1 - 7

Secure Claims Ingestion

Establishing a complete HIPAA-compliant data connection to extract raw medical and prescription historical claim lines.

Key Audit Protocols:
  • SSAE-18 SOC 2 secure upload environment
  • De-identification of all PHI record columns
  • Multi-source historical contract consolidation
Days 8 - 15

Telemetry & Mapping Sweep

Every single claim line is parsed, mapped, and cross-referenced against multiple forensic actuarial databases.

Key Audit Protocols:
  • Auditing against real-time NADAC wholesale costs
  • De-substituting brand drug overcharge clusters
  • Broker compensation & hidden override tracing
Days 16 - 22

Plan Leakage Identification

Drafting the forensic report detailing specific overcharge segments, billing errors, and rebate withholding.

Key Audit Protocols:
  • Calculating generic spread markup leakage
  • Measuring Group Purchasing Organization (GPO) retention
  • Compounding EBITDA exit valuation multipliers
Days 23 - 30

Fiduciary Alignment Launch

Implementing transparent, self-driving fiduciary contract carve-outs to eliminate pharmacy waste permanently.

Key Audit Protocols:
  • Execution of transparent fee-only contracts
  • Full pass-through of drug manufacturer rebates
  • Immediate plan savings realization averaging 20-35%
Platform Core Architecture

Core Analytical Capabilities

Three foundational analytical modules supporting fiduciary healthcare governance.

Verified Savings Documentation

Timestamped audit trail documenting contract compliance events, overcharge recoveries, and third-party verification records with complete chain of custody.

Review documentation standards

Financial Impact Analysis

Quantitative assessment of pharmacy benefit optimization on enterprise profitability. Direct measurement of prescription cost containment effects on operating margins.

Review financial methodology

Multi-Source Data Reconciliation

Integration and normalization of claims data, contract formularies, and pricing benchmarks across disparate healthcare data sources for actuarial analysis.

Review integration protocols
Unified Enterprise Command

Live Fiduciary Intelligence Portal

Real-time overcharge tracking feeds and analytical dashboards optimized for each executive role.

View Full Command Center

CFO Command Center

Financial impact & EBITDA defense metrics

LIVE FINANCIAL DATA
Kincaid IQ

Kincaid IQ

McKinsey + Bain KPIs with Evidence Receipts. Verified or it's not real.
Status: LIVE • 3 live events
EBITDA / Risk Feed
Portfolio MTD: Cost Trend +11.8% | Contract Compliance 94.8% | Benefits NPS +38McKinsey Alert: YoY PMPM exceeds baseline by 280bps | $4.8M EBITDA at riskContract Leakage: $2.1M recovery opportunity identified in Q4 vendor reconciliationPortfolio MTD: Cost Trend +11.8% | Contract Compliance 94.8% | Benefits NPS +38McKinsey Alert: YoY PMPM exceeds baseline by 280bps | $4.8M EBITDA at riskContract Leakage: $2.1M recovery opportunity identified in Q4 vendor reconciliation

Financial Risk & EBITDA Protection

McKinsey Framework
Cost Trend Stress Index
McKinsey
118
+18pp
YoY PMPM vs McKinsey Baseline
Details →
Q1TrendQ4
Contract Value Leakage Rate
McKinsey
3.2%
+1.7pp
Off-contract + Pricing Variance
Details →
Q1TrendQ4
Contract Compliance Rate
McKinsey
94.8%
-3.2pp
Contract Terms Adherence
Details →
Q1TrendQ4
Contract Ambiguity Risk Score
McKinsey
42
+17pts
High-spend Contract Clarity
Details →
Q1TrendQ4

Live Event Stream

Real-time healthcare cost & compliance events
1 Critical
2 High
|
3 McKinsey
0 Bain
CRITICALCost Trend•0s ago
McKinsey
YoY PMPM Trend Exceeds McKinsey Baseline
Net PMPM trend reached 11.8%, 280bps above McKinsey commercial baseline (9-10%).
Impact: $4.8M annualized EBITDA at risk
KPI: Cost Trend Stress Index
HIGHContract•2m ago
McKinsey
Contract Value Leakage Detected
Off-contract spend + pricing misses identified in Q4 vendor reconciliation.
Impact: $2.1M recoverable EBITDA
KPI: Contract Value Leakage Rate
HIGHPharmacy•4m ago
McKinsey
Pharmacy Rebate Discrepancy Alert
Opaque reimbursement terms flagged in specialty pharmacy contracts.
Impact: $1.3M annual exposure
KPI: Pharmacy Reimbursement Exposure
Fiduciary Assurance Standards
Adhering to strict national operational healthcare and cybersecurity frameworks.
SSAE-18 SOC 2 TYPE IIHIPAA ENCRYPTEDERISA FIDUCIARYAAA STANDARDS