RateCraft

05/01/2026

Fiduciary duties are not static and the timeline for compliance is more urgent than many realize. Our latest publication details the factors contributing to benefits package liability and how to navigate these challenges professionally and effectively. We encourage you to review these insights to safeguard your firm against potential legal and financial repercussions. https://wix.to/7n9NUid

05/01/2026

Want predictable insurance costs instead of surprises? We turn variable expenses into a steady budget line with forensic audits. See the impact: Before: hidden fees + fluctuating premiums = unpredictable spend. After: recovered fees + no coverage changes = clearer forecast, better margins. Simple line-item wins: 1) Recovered fees, 2) Stable monthly charge, 3) Improved margin protection. Ready to tighten your forecast? Learn how: https://wix.to/qAb9VUy 🔍💼

05/01/2026

CFOs and CEOs: want to uncover hidden insurance costs without disrupting benefits? We walked through Ratecraft’s C.L.E.A.R. audit step-by-step so you don’t have to. Slide-by-slide: identify inefficiencies, analyze coverage, expose broker bias, and quantify real savings — often without changing brokers or carriers. Low risk. High return. Ready to see the numbers? Learn more: https://wix.to/4IhsVe7 🚀📊

04/30/2026

We proved you can cut employer insurance spend without changing coverage or brokers. How? A focused forensic audit found unnecessary overpayments, fixed billing errors, and reclaimed funds — all within months. Results for one client: 12% net savings to the P&L and reclaimed premiums Want numbers, not promises? Visit https://wix.to/L8MqzVW to learn how we do it. Ready to see your savings? 🔍💼

04/29/2026

CFOs and CEOs — who’s watching your insurance reviews? Vendor-neutral audits remove broker incentives and surface real savings. We only get paid when we find verifiable overpayments. That’s alignment with fiduciary duty. Simple. Auditable. Objective. Want a transparent audit that boards can trust? Visit https://wix.to/q0U4JrN 🔍💼

04/28/2026

CFOs and CEOs: want budget confidence without disruption? We identify hidden overpayments and administrative inefficiencies, then deliver an adjusted insurance baseline—no broker changes, no policy swaps. Set accurate reserves. Free up capital for strategy. Learn how we do it: https://wix.to/YUvbpYT 🔍💡

04/27/2026

Are you paying more than you should for insurance? We dig in, find the leaks, and you only pay if we save you money. Our vendor‑neutral forensic audits review billing, policy wording, and admin practices in clear steps: 1) Gather invoices and policies. 2) Match charges to coverages. 3) Flag recurring overpayments. 4) Quantify recoveries and implement fixes. Minimal disruption. Full transparency. Typical savings? Many clients recover meaningful five‑ to six‑figure amounts—often 5–15% of premiums. Ready to cut waste and protect margins? Visit https://wix.to/JXiCjyD to start. 🔎💼

04/27/2026

https://wix.to/QpKhzCk
Health plan due diligence is becoming a primary focus for regulatory and legal review. Employers are advised to evaluate their current health plan structures to address potential fiduciary risks highlighted by recent court cases. Proactive management and detailed analysis are required to safeguard against emerging liabilities. https://wix.to/zmAHDL3

04/21/2026

The fiduciary clock is ticking — is your benefits package a hidden liability? Andrea Luoni, CEO of RateCraft, explains why recent lawsuits and federal mandates mean employers can no longer assume benefits are “someone else’s problem.” Read the full analysis and protect your organization now: https://wix.to/GNH6Zc8

RATECRAFT | FIDUCIARY RISK & BENEFITS INTELLIGENCENew lawsuits and sweeping federal mandates are exposing employers who thought their benefit programs were safe. They are not.By Andrea Luoni, CEO & Founder, RateCraft | www.RateCraft.com | 888-632-9900 For nearly three decades, I have watched employe...

04/20/2026

New lawsuits and federal mandates are reshaping fiduciary risk — is your benefits package putting your company at legal risk? Read Andrea Luoni’s urgent analysis and learn steps employers should take now to protect their organizations. https://wix.to/7kBufJe

RATECRAFT | FIDUCIARY RISK & BENEFITS INTELLIGENCENew lawsuits and sweeping federal mandates are exposing employers who thought their benefit programs were safe. They are not.By Andrea Luoni, CEO & Founder, RateCraft | www.RateCraft.com | 888-632-9900 For nearly three decades, I have watched employe...

04/13/2026

Expert Q&A: audit red flags every CFO should know. What to look for—fast. Duplicate billing: two charges for one service. You pay twice. Look for matching invoice numbers, dates, and amounts. Unrecognized endorsements: changes you didn’t approve. They add coverage or fees. Cross-check policy changes against sign-offs. Misapplied rating factors: wrong class, territories, or payroll bases. That inflates premiums. Reconcile rating inputs to payroll, headcounts, and class codes. How do we detect these? 1) Automated invoice reconciliation. 2) Policy change audit trail. 3) Rating-factor re-calculation. Want a quick diagnostic for your plan? Visit https://wix.to/Gwh8Iov for an independent review.

04/10/2026

We helped a mid-sized firm recover 18% of their annual premium spend — that’s $420K returned in year one. How? A targeted audit uncovered billing errors and duplicate charges. Before: inflated premiums, unclear spend. After: corrected invoices, $420K reclaimed, and savings redeployed to IT upgrades and hiring. Want numbers, not promises? See how we do it: https://wix.to/Wa5UUxT 🔍💼 . Contact us to learn what we can find for you.