Independent. Fee first. Indiana only.
Benefits built for the people who run your community.
Teachers, deputies, dispatchers, road crews, clerks. The second largest line in your budget covers them, and in most Indiana units it has never been independently tested against the market. We test it.
46 North is paid by the unit that hires it, in a number disclosed in writing before the work starts.
The squeeze
Less revenue coming in. A faster growing plan going out.
- Average annual cost to cover one employee in 2026.
- $0Average annual cost to cover one employee in 2026.Mercer National Survey of Employer-Sponsored Health Plans, 2026 projection.
- Projected 2026 cost increase, the highest in fifteen years.
- 0.0%Projected 2026 cost increase, the highest in fifteen years.Mercer, 2026 projection.
- Projected three-year school revenue loss under SEA 1, from 2026.
- $0MProjected three-year school revenue loss under SEA 1, from 2026.Legislative Services Agency projection via the Indiana Coalition for Public Education.
- Highest hospital prices in the nation, at roughly three times Medicare.
- 0thHighest hospital prices in the nation, at roughly three times Medicare.RAND Hospital Price Transparency Study, 2024 round.
These are published figures, printed with their sources so you can check them. Figures specific to your unit come from your own filings.
What we do
Five services and one open offer.
Representation
Broker and consultant of record
One independent party in the room whose only client is the unit. We hold the relationship, the renewal calendar, and the file.
Pharmacy
PBM review and procurement
We read the contract language that actually moves money: generic definitions, rebate treatment, audit rights, and exit terms.
Data
Independent benchmarking
Peer comparisons built from Indiana Gateway filings, never a carrier's national book. Withheld where the filings will not support it.
Procurement
RFP and market test support
A specification the board can approve, a real bidder list, and apples-to-apples scoring with pharmacy priced separately.
Governance
SEA 3 fiduciary file review
We inventory what your administrators and PBM have actually put in writing against the duties the statute now imposes.
No cost, no obligation
A first benchmark, before you hire anyone
We will benchmark your current program against peer Indiana units of the same type and size, at no cost and no obligation. If it says you are well served where you are, that is the answer you get.
Ask for oneMethod
A withheld number beats a wrong one.
Every figure we publish traces to a public filing, an executed document, or a named published source. Nothing is modeled or estimated unless it is labeled as such on the same line.
That discipline is expensive. Roughly seven in ten Indiana civil units produce a figure we will not quote, because the filing behind it will not carry the weight.
- Indiana units in the landscape database.
- 0Indiana units in the landscape database.Indiana Gateway Annual Financial Report filings, 2024.
- Units with a comparable benefits-to-salary ratio.
- 0Units with a comparable benefits-to-salary ratio.Gateway AFR disbursement detail, lines D101 and D107.
- Units where a cost per employee survives every check.
- 0Units where a cost per employee survives every check.Gateway AFR joined to 100R verified headcounts, 2025.
- Civil units that reported employee benefits of exactly zero.
- 0Civil units that reported employee benefits of exactly zero.Gateway AFR line D107, 2024 filings.
The flagship tool
The Pressure Test
Type three figures off your own Annual Financial Report. See where your benefits spend sits against real Indiana units of the same type and size — and if your filings will not support it, watch the tool refuse to compute a cost per employee and tell you why.
It is not a savings estimate and it quotes nothing. It sets no cookies and stores nothing in your browser.
Stage 2 of 4
Hamilton County (example)
44.1%
Benefits as a share of salaries and wages
81 counties in band
Standard of care
We accept your vendors' duties, in writing, before the first meeting.
SEA 3 of 2025, codified at IC 27-1-25.5 and effective July 1, 2025, imposes fiduciary duties on third party administrators and pharmacy benefit managers, owed to the plan sponsor. There is no carve-out for local government.
The statute does not bind brokers. So we accept the same four duties voluntarily in the engagement letter, and publish one total compensation number every year.
01
Loyalty and care to the plan sponsor
The unit's interest comes first, and the standard of care is the one a prudent professional would apply.
02
All fees, costs, and commissions fully disclosed
Every dollar of compensation to every party, named and quantified in writing.
03
No self-dealing and no undisclosed conflicts
No arrangement that pays more when the unit is told less.
04
Transparency in all financial and contractual arrangements
Prescription drug benefits expressly included, not carved out.
The above is a reading of the public statute, not legal advice.
Insights
Written for the people who sign the renewal.
Timing
Every premium dollar is a taxpayer dollar.
Pull your contracts. Ask for your data. Get an independent set of eyes on it. The work happens five to seven months before renewal, which for a January 1 plan year means now.