FAQ

A: No. Pearl Logic is an independent analysis / assessment Consulting firm. We show Employers the many different costs reducing strategies that commission-motivated Agents, Brokers, Advisors and TPAs prefer Employers not learn about.
A: We will conduct a comprehensive analysis / assessment of your employee benefit coverages, plans, services and costs, to identify those cost reducing strategies that have not been implemented. We will then work to implement such strategies and reduce excess spending to ensure costs are as low as possible (without reducing coverages or increasing any risk exposure and/or employee premiums, co-pays or deductibles).
A: Once we have all of the needed information, typically about 30 days.

A: Once we have completed the analysis of all of the needed information, we will establish the baseline to illustrate the current monthly costs incurred. After implementation of the savings strategies recommended by Pearl Logic, we will then compare the baseline monthly costs to the newly adjusted monthly costs to determine the savings.

A: Our fee is paid by the Client AFTER our findings have been implemented.

A: Over the past decade, we’ve shown Employers how to reduce employee benefit coverage costs, anywhere from $29.38 to $157.81 per employee, per month; with an ‘average’ that typically falls in a range between $75 – $125 per employee, per month (without reducing coverages or increasing any risk exposure and/or employee premiums, co-pays or deductibles).

A: Our fees are based totally upon savings. That is, ‘if’ Pearl Logic is able to find ways to reduce costs for you through our analysis / assessment processes, we split the savings. Where you retain part of the found savings as increased margin / working capital, while Pearl Logic’s fee is deducted.

A: Yes. Our analysis / assessment processes, are not designed to replace your current Agent, Broker, Advisor or TPA?. However, because we show Employers how to reduce costs (and therefore Vendor commissions); commission-motivated Agents, Brokers, Advisors or TPAs often attempt to slow down (or in some cases, even prevent), any efforts to make cost-reducing changes. If such a situation arises and you find yourself wanting to find a replacement, we would be happy to advise you in that process.
A: Save you money. The answer comes down to incentives. Commission-motivated Agents, Brokers, Advisors or TPAs are not incentivized to show you ways to reduce your employee benefit costs. Pearl Logic’s only compensation is based solely upon a percentage of your realized savings, so we are incentivized to reduce your costs as much as possible.
A. Some, but not much. In order to complete an in-depth analytics assessment, we’ll need specific information about the Employer’s total employee benefits coverages, plans, services and costs. So the Employer’s staff will need to compile and share that information with us. But to dramatically simplify this process, we’ll provide you with a Questionnaire / Checklist, to use as a simple guide.
A. Allow Pearl Logic to show you the many cost reducing strategies that most commission-motivated Agents, Brokers, Advisors and TPAs prefer Employers not learn about, since it drives down their commission.
A. Because commission-motivated Agents, Brokers, Advisors and TPAs generally do not show Employers the many cost reducing strategies that would actually drive costs down. If they did, their commissions would be driven down also.
A. Commission-motivated Agents, Brokers and Advisors generally do not show Employers the many cost reducing strategies that would drive costs down; because if they did, commissions would also be driven down.
A: Our analysis and assessment processes are not designed to replace your current Agent, Broker or Advisor. However, after we show you the many different cost reducing strategies that you’ve most likely never hear of, you may question just who your Agent, Broker or Advisor was going to bat for.
A: Yes. We have extensive experience in multiple other expense areas within a wide variety of business environments. And we’ve assisted broad array of Employers, in virtually every type of industry (either for-profit or non-for-profit), reduce costs across their business.