When you manage an employer health plan… every dollar matters. Every claim, every premium, every renewal — comes from two places: your company’s profits… and your employees’ paychecks.  
That makes every benefits decision a fiduciary one — a responsibility to act solely in the best interests of your employees and your organization. But here’s the problem:
Most legacy brokers can’t meet that standard. 
Their compensation is tied to how much your plan spends. The more your premiums rise — the more they earn. That’s not advice. That’s a conflict of interest. It’s a system that rewards spending, not savings.
 At Primum Risk Strategies, we’ve changed that model. Our Validation Institute Fiduciary Certification confirms that every dollar we earn comes directly from our clients — not from carriers, vendors, or hidden bonuses and rebates. That means we sit on the same side of the table as you. Aligned. Transparent. Accountable.
Our approach is rooted in data — not sales. We use predictive analytics and strategy-driven design to identify risk, control cost, and protect both employers and employees. We call it: transforming benefits through integrity and intelligence. 
If your broker profits when you spend more… you don’t have a fiduciary — you have a salesperson. Choose transparency. Choose accountability. Choose Primum Risk Strategies — where fiduciary responsibility isn’t a slogan… it’s a standard.