Fiduciary file

Documentary evidence of a prudent, independent review of plan costs — built for the CAA/ERISA environment, post-Johnson & Johnson. Assembled from this plan year's benchmark, refreshed monthly, exportable for the board.

Plan year 2026 Review cadence: quarterly Oct 2025 ✓ Jan 2026 ✓ Apr 2026 ✓ Jul 2026 — current review
HealthFees
Fiduciary review · Plan year 2026
Acme Manufacturing Co.

Documentary evidence of a prudent, independent review of plan costs — prepared for the plan fiduciary's records. Jul 12, 2026.

Executive summary — measured overspend
$312K / year

78th cohort percentile. ≈$200K realistically addressable, phased over the plan year — directional; year-one capture typically 10–20% of the gap.

You · 78th
Methodology: public MRF data (schema v2.0), 12 monthly versions · anonymized peer-cohort — no employer is ever named. Contents: cover · executive summary · methodology · benchmark evidence · actions reviewed · sign-off & attestation.

Preview of the board-ready file — the actual export is paginated (6 sections) and stamped with the review date. All numbers are placeholders.

Export

Board-ready formats, stamped with plan year and review date.

The annual refresh keeps this file current — each monthly MRF version adds to the review history above.

Data Explorer Level 3

Same reports as Insights — with the caps removed. The tier difference is scope, not features.

✓Every view across all payers, not just your plan
✓All providers and geographies — nationwide, not your 25-mile radius
✓Unlimited filters on procedure, setting, network, and time
✓Export for RFPs, board decks, and broker workflows