PEAK actuarial
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Experienced, Personalized Actuarial Consulting

Peak Actuarial is a team of credentialed actuaries serving employers, brokers, and consultants, with over 40 years of experience in employee benefits.

Independent numbers for renewals, reserves, stop-loss, vendor RFPs, and funding decisions, from a single project to ongoing support.

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Plan Financials Renewal projection Funding options IBNR Reserve Vendor RFPs Stop-Loss Demographics Self-funded vs insured

Employer Health Plans Need Actuarial Work That's On Their Side

Without an independent actuary, plan sponsors often face:

Renewals Built For The Carrier

Insurers and stop-loss carriers set renewals to protect their own margins. Without your own projection, you're negotiating against their math.

Reserves Under Deadline Pressure

Quarter-end and year-end IBNR estimates have to be right and on time, and they have to hold up when auditors ask how they were set.

Decisions Without A Clear Answer

Should the group self-fund? Which vendor's bid is really cheaper? Big decisions need analysis your clients can follow, not a black box.

From One Analysis To Ongoing Plan Support

From a single project to year-round support, choose the help that fits your plan or your book of business.

1.

Reserving & Reporting

Defensible reserves, delivered on your deadline.

  • IBNR reporting by plan or in aggregate
  • Trended IBNRs for tight quarter-end and year-end timelines
  • Minimum value attestation under the ACA
2.

Renewals & Pricing

Independent numbers to bring to the negotiating table.

  • Self-funded premium equivalent setting
  • Fully insured and level-funded renewal negotiation support
  • Stop-loss pricing review
3.

Vendor RFPs

Choose vendors on the numbers, not the sales pitch.

  • Carrier, TPA, PBM, and stop-loss RFPs
  • Side-by-side financial evaluation of bids
  • Finalist analysis and recommendation support
4.

Funding Strategy

Show clients the risks and rewards before they switch.

  • Self-insured feasibility studies comparing self-funded and fully insured outlay
  • Demographic risk analysis with industry and regional comparisons
  • Funding and plan design strategies to reduce anti-selection
5.

Mergers & Acquisitions

Know what combining populations will cost.

  • Impact of merging multiple populations onto one plan
  • Premium equivalents for the combined self-insured plan
  • Premium negotiation support for fully insured groups
6.

Ad Hoc Analysis

One-off and unusual questions, answered clearly.

  • Custom analyses for complex benefit problems
  • Results presented for a broad, non-actuarial audience
  • Support at every step, from data to decision

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Built by Actuaries Who Know Employee Benefits

Peak Actuarial's credentialed actuaries have guided employers, brokers, and consultants through decades of shifts in the health care landscape. We work directly with you, explain our reasoning in plain terms, and make sure your clients pay a fair price for their coverage.

Trusted by

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"They helped negotiate our renewal down, and we understood every number going into the meeting."
VP of Benefits, Regional Manufacturer
"They made understanding the switch to self-funding easy for our leadership team."
CFO, Mid-Size Employer
"The Actuarial Toolbox changed the way our analytics department operates."
Director of Analytics, Top 20 Brokerage

Ready for numbers you can trust?

Tell us about your plan or your client's renewal, and an actuary will get back to you.

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