Working for you — not your insurance company.
Most brokers work for the insurance company. We work for you.
A fiduciary is legally required to act in your best interest. In employee benefits, that standard is rare. Most brokers operate under a “suitability” standard — they only have to recommend something adequate, not optimal.
Transparent fees. You know exactly what we earn. No hidden carrier compensation.
Unconflicted recommendations. Our advice is driven by your goals — not by which carrier pays us more.
Employer-first advocacy. We represent you at the negotiating table, not the carrier.
Documented process. We maintain a clear record of how decisions are made — protecting you if questions ever arise.
Know where you stand.
LoVasco offers a Benefits Fiduciary Gap Assessment — a structured review of your current program, broker relationships, carrier arrangements, and total cost of benefits. You’ll walk away knowing exactly where the conflicts are, what they’re costing you, and what a better path looks like.
This is for you if…
Fiduciary benefits consulting is right for employers and HR leaders who:
Suspect they’re overpaying for benefits but don’t know where the waste is
Have never asked their broker how they’re compensated — or received a vague answer
Want a benefits partner who is contractually obligated to put their interests first
Are tired of feeling like they don’t have the full picture at renewal time
Want to offer better benefits without simply spending more
Michigan’s first-mover fiduciary benefits firm.
No other benefits firm in Michigan has publicly committed to the fiduciary standard in employee benefits consulting. LoVasco is building that practice from the ground up — informed by the same fiduciary rigor that governs our 401(k) consulting practice, and shaped by the principles in Donovan Pyle’s Fixing Healthcare.
If you want unconflicted advice, you’re in the right place.
Are your employee benefits working for you — or your broker?
Take the Free Gap Assessment to Find Out.
Quickly benchmark your current benefits program and broker relationship. Uncover hidden conflicts, understand what they’re costing you, and see what a fiduciary-first approach looks like in practice.
Takes just 2 minutes
Completely free
Receive customized results instantly
