You Don’t Sponsor a Health Plan.
You’re Liable for One.
Healthcare quietly became your second-largest expense. Under ERISA, you’re a fiduciary — and not knowing isn’t a defense. Fiduciary Ally is the executive playbook for the leaders who refuse to keep paying for a system they were never meant to design.
Most employers are not making bad decisions.
They’re making decisions inside a system they cannot fully see.
Healthcare Stopped Being an HR Function a Long Time Ago.
Most CEOs treat the health plan like a renewal cycle that resets every twelve months. Underneath sits a financial ecosystem of carriers, PBMs, networks, and intermediaries — each compensated in ways most plan sponsors never see. The book shows you the system, then shows you what to do about it.
You Already Are a Fiduciary.
Under ERISA, sponsoring a health plan makes you legally responsible for how decisions are made and how money flows. Not your broker. Not your carrier. You.
The Cost Curve Is Now a Liability.
Premiums have outpaced wages and inflation by a multiple. The renewal cycle isn't a tactic — it's a tax on profitability that compounds every year you don't act.
The Litigation Wave Has Started.
Plan sponsors and their advisors are being named in suits that used to target only retirement plans. “We relied on our broker” is no longer a defense.
Five Pillars. One Operating Model.
The FRAMEwork is a repeatable system to redesign your health plan around transparency, alignment, and performance. The letters below are the door. The book is the room.
Not a project. An operating model.
Written by an operator on the employer’s side of the table.
Glenn Fisher is CEO of NavMD and COO and Practice Leader at Cornerstone, where he leads the ClearPath process — the discipline that shifts employers from a 12-month reactive renewal cycle into a 3–5 year glide path of measurable control.
He partners with CEOs, CFOs, HR leaders, and board members ready to replace the status quo with high-performance health strategies that lower cost, improve outcomes, and stand up to scrutiny.
Read the Book.
Then Take the Assessment.
The book gives you the framework. The Cornerstone Health Plan Assessment shows you exactly where your plan stands today — and what to do next.