We work for you — only you.
Serving plan sponsors and fiduciaries exclusively since our founding.
Most health and welfare plan consultants have a fundamental conflict: they are paid by the very vendors they are supposed to evaluate. TPAs, PBMs, brokers, and third-party consultants all have financial relationships that compromise their advice — whether they disclose it or not.
Parabellum Benefits is different. We are the nation's only fee consultant that represents plan sponsors and plan fiduciaries exclusively. We accept no compensation from vendors, no referral fees, no commissions, and no undisclosed arrangements of any kind.
Our independence is not a marketing claim — it is a structural commitment. When we audit your TPA fees, analyze your PBM contract, or benchmark your plan costs, you receive advice that is genuinely, verifiably on your side.
"Biased advice doesn't just cost money — it costs fiduciaries their legal protection."— Parabellum Benefits, Independence Pledge
Hidden fees in health and welfare plans are pervasive. Administrative overcharges, undisclosed PBM spread pricing, and inflated broker compensation routinely cost plan sponsors millions of dollars annually — and most never know it because their advisors have no incentive to find it.
We find what others miss — because we have no reason to look the other way.
No vendor relationships, no referral fees, no commissions. Our only client is the plan sponsor.
We operate under the same fiduciary standard as the plan sponsors we serve — your interests are our only obligation.
Flat-fee engagements only. You always know exactly what you are paying and why.
Our Track Record
Results that speak for themselves.
Every engagement is a fee audit, a conflict analysis, and a fiduciary protection — delivered by consultants who answer only to you.
Every engagement begins with a confidential analysis of your current plan fees and vendor relationships.
Who We Serve
Plan sponsors and fiduciaries trust us.
We serve any organization that sponsors a health and welfare plan and needs genuinely independent counsel — from large employers to union trusts to public entities.
Across all engagements, plan sponsors identify an average of 23% in excess fees — fees that were invisible until an independent audit.
If your organization sponsors a health and welfare plan, we can help — regardless of size, structure, or current vendor relationships.
See if we're the right fitStop paying for advice that works against you.
A confidential fee audit takes weeks, not months. Most plan sponsors are surprised by what we find — and relieved to finally have an advisor who answers only to them.
What makes us different
- No vendor relationships. We are never compensated by TPAs, PBMs, brokers, or any plan vendor.
- Flat fee only. You know exactly what you pay. No commissions, no referral fees, no hidden compensation.
- Full fiduciary standard. We operate under the same legal obligation as the plan fiduciaries we serve.
- Confidential analysis. All fee audits and vendor analyses are conducted under strict confidentiality.
Initial consultations are confidential and obligation-free. We review your current vendor contracts and fee structures before proposing an engagement.
Schedule a confidential reviewGet in Touch
Start with a confidential conversation.
Tell us about your plan and current vendor relationships. We'll review your situation and let you know if an independent fee audit makes sense.
Request a Fee Audit
All inquiries are confidential. We review every submission personally.