Risk Consulting Partners


Racheal Petty
Nicol Schmidt

Our robust process and objectivity allows us to focus on helping clients find the best solution for their organization. RCP’s independence allows us to demonstrate due diligence in that we’ve retained an independent and objective consulting firm to assist with the evaluation and/or selection of the best exchange option for the organization. RCP will work with you to find the perfect balance between meeting employees’ benefit expectations and allowing you to control the cost by providing in-depth consultative support.

Decision areas

Helping clients design, implement, and manage their Employee Benefit Program(s) to align with their cultural and financial goals


  • Financial analysis, modeling and forecasting
  • Plan design, comparison and pricing
  • Employee/employer contribution analysis
  • Self-insured/fully insured funding analysis
  • Eligibility management
  • Acquisition/consolidation analysis
  • Consumer driven healthcare – HDHP’s
  • Network discount and access analysis
  • Benchmarking
  • Pharmacy analytics
  • Actuarial support
  • Stop-loss purchasing strategies


  • Affordable Care Act (ACA)
  • 5500’s/Wrap plans
  • Controlled group analysis
  • HIPAA, COBRA, Section 125
  • FMLA
  • Discrimination testing


  • Worksite/voluntary programs
  • Employee communications and education
  • Health risk management – “wellness”
  • Compensation consulting
  • Leave management/absence
  • Transparency tools

Employee benefits are offered not only to recruit hopeful candidates, but also to retain your current employees. With the cost of benefits on the rise, it easy to understand that many owners, CFOs, and HR departments are now seeing these benefits as just another expense on their monthly spreadsheets. Employee benefits are much more than that.

We provide knowledgeable consulting and support for our clients’ benefit plans, which include:

  • Medical (self-funded/fully-insured)
  • Life Insurance Plans
  • Long-Term Care Plans
  • Consumer Driven Health Plan (HRA/HSA)
  • Accidental Death and Dismemberment Plans
  • Employee Assistance Programs
  • Dental
  • Short-Term and Long-Term Disability Plans
  • Worksite Benefits
  • Vision
  • Voluntary Benefits
  • Flexible Spending Accounts