Strategic Clarity

Employer Risk,
Under Control.

Governance frameworks for mission-critical benefits systems. We bring MITRE/NIST-grade oversight to employer healthcare spend—transparency, traceability, verifiable controls, and audit-grade evidence.

102 Years of Combined Experience

Regulated industries • Actuarial oversight • CFO-grade accountability

Ready to bring clarity to your healthcare strategy?

About Kincaid RMC

Governance frameworks for mission-critical benefits systems

Kincaid Risk Management Consultants exists because today's benefits systems lack the core characteristics of a governed environment: transparency, traceability, verifiable controls, and evidence integrity.

From a MITRE/NIST standpoint, the problem is unmistakable: critical financial systems are operating without defensible oversight.

Kincaid RMC is the counter-weight to that broken system.

We treat benefits management like a mission-critical environment:

  • Identify risks and control failures
  • Expose hidden financial pathways
  • Validate claims against independent benchmarks
  • Replace unverifiable vendor reports with auditable evidence chains
  • Build governance frameworks that withstand executive and board scrutiny

102 Years of Combined Experience

Our team brings deep expertise across regulated industries, actuarial oversight, pharmacy risk, and CFO-grade cost accountability.

R&D Investment Focus

We invest heavily in AI, GLP-1 forecasting, actuarial modeling, and evidence architecture—the same rigor demanded in federal audit, cybersecurity, and safety-critical systems.

KRMC has one mandate:

Give employers verifiable, defensible, audit-grade truth behind every dollar spent—and the governance controls to act on it.

Our philosophy is simple:

If a number influences cost, it must be explainable, evidence-backed, and reproducible.

What KRMC Does Differently

Governance controls vs. vendor opacity

The Broken System

No defensible oversight of critical financial systems
Unverifiable vendor reports lacking audit trails
Hidden financial pathways and control failures
Opaque intermediaries with conflicted incentives
Data held hostage without evidence integrity
Ungoverned environments masquerading as managed systems

The KRMC Framework

Verifiable Controls

Every financial pathway documented with complete audit trails and evidence lineage.

Independent Validation

Claims validated against NADAC and independent benchmarks—no vendor-filtered data.

Governance Architecture

Risk identification, control testing, and board-ready oversight frameworks.

Evidence Integrity

Reproducible calculations with source data lineage meeting federal audit standards.

Zero Conflicts

No override commissions, rebates, or hidden economics—one client, one truth.

Mission-Critical Rigor

MITRE/NIST-grade oversight applied to employer healthcare spend.

KRMC brings the governance rigor of safety-critical systems to employer benefits. We don't play the games everyone else plays because we're not incentivized to obscure the truth—we're mandated to expose it.

Solutions Offered by KRMC

Audit-grade oversight for mission-critical benefits systems

PBM Contract Intelligence & Risk Assessment

Independent validation of PBM contracts against NADAC benchmarks. Complete audit trails exposing spread pricing, AWP manipulation, and hidden financial pathways. Evidence-backed risk quantification for board oversight.

GLP-1 Forecasting & Actuarial Modeling

Evidence-based GLP-1 cost modeling with actuarial rigor. Population risk stratification, clinical appropriateness validation, and multi-year financial exposure forecasting aligned with EBITDA protection frameworks.

Cost Attribution & Control Testing

Root cause analysis of cost drivers with complete evidence lineage. Control failure identification, utilization anomaly detection, and benefit design impact modeling—all reproducible and audit-ready.

Broker Governance & Conflict Analysis

Structured evaluation of broker compensation, incentive alignment, and fiduciary obligations. Document hidden economics, quantify conflicts, and establish board-defensible advisor oversight.

Plan Architecture & Governance Design

Evidence-driven benefit design with verifiable controls. Risk-adjusted plan structures that withstand actuarial scrutiny, regulatory review, and fiduciary audit.

Stop-Loss & Enterprise Risk Strategy

Actuarial analysis of underwriting, lasers, and claims volatility. Risk transfer optimization, renewal strategy, and financial exposure quantification with board-grade documentation.

Evidence Intelligence & Audit Trails

Every recommendation includes complete evidence lineage: source data, calculation methodology, benchmark validation, and reproducible logic meeting federal audit standards.

Executive Oversight via Kincaid IQ

Real-time governance dashboard with verifiable KPIs, control testing results, risk indicators, and audit-ready evidence—designed for CFO, CHRO, and board visibility.

Every solution is grounded in evidence, governed by audit standards, and delivered with the transparency required in regulated environments.

How KRMC Delivers

Everything we do is built to expose the truth—and deliver it without the usual BS

Kincaid RMC delivers employer benefits consulting the same way elite engineering teams ship mission-critical systems: clean inputs, zero ambiguity, full transparency, and ruthless precision. You're not getting vibe-based consulting or recycled PowerPoints. You're getting a firm that treats your health plan like a financial engine—and holds every vendor, PBM, broker, and clinical partner to the same standard of evidence that a regulator or auditor would.

We don't hide the math

Every insight comes with a receipts folder: line-item claims, contract clauses, KPIs, benchmarks, evidence trails. If we tell you where waste is hiding, we show you the exact line where it lives.

Zero conflicts. Zero backdoor economics

No override commissions, no bonus pools, no 'preferred vendor' incentives. We get paid by one party: you. The advice isn't compromised. The outcomes aren't negotiated.

Engineering discipline to a broken system

Benefits is messy because everyone hand-waves through numbers. We take the opposite route—canonical data, structured KPIs, reproducibility, and transparent calculations.

Insights delivered through Kincaid IQ

Instead of 100-page PDFs and renewal-season chaos, you get a living dashboard: PBM waste, GLP-1 risk curves, broker economics, clinical hotspots, EBITDA impact—all in one place.

Understand your plan in minutes, not months

We simplify the complexity: one-page visuals, clean narratives, direct recommendations. CFOs get clarity; CHROs get alignment; employees get better outcomes.

We name the games no one else will

Spread pricing. Rebate chasing. Specialty inflation. Contract distortion. Network arbitrage. If it's happening behind the curtain, we surface it.

Every recommendation is built for your culture, not copied from a playbook.

We don't slap in a trendy program because it worked somewhere else. We build solutions that fit your workforce, values, and financial reality.

Ready to Bring Clarity to Your
Healthcare Strategy?

Let's start with a conversation about your specific challenges and how KRMC can help.

Typical response time: Within 24 business hours