Build smarter benefits. Advise with clarity. Empower your people.
Strategic benefits leadership. No products. No commissions.
Costs & ROI
Cost containment strategies driven by financial modeling, market benchmarking, and broker collaboration that translate carrier data into clear insights and executive-ready recommendations to maximize benefits return on investment.
Strategy & Open Enrollment
We help organizations plan benefits with intention, today and for the future. Our benefits roadmaps align employee needs and business objectives while translating market and renewal data into practical, actionable strategy. During Open Enrollment, we step in to manage planning, execution, and post‑OE follow‑through.
Compliance
ACA, ERISA, Form 5500, and DOL audit governance delivered through proactive oversight and clear accountability to reduce risk and support compliance. Designed to strengthen governance and audit readiness through close coordination with brokers, vendors, and internal partners.
Talent
Talent-aligned benefits attracting, retaining, and engaging employees while supporting productivity, culture, and total rewards objectives. We partner with HR teams and collaborate with brokers to ensure benefits programs support workforce needs, reinforce the employee value proposition and we clearly communicated and well-understood.
Vendors
Vendor and broker orchestration brings clarity, accountability, and alignment across the benefits ecosystem. We partner with HR teams and work closely with existing brokers, carriers, and vendors to coordinate roles, timeliness, and deliverables-ensuring benefits programs operate seamlessly and not in silos.
Our Services
Let's Talk Benefits
About
Ritma Sagar, Founder & CEO
I am an independent fractional benefits leader with deep in‑house experience partnering with executive and HR teams to lead strategy, compliance, and execution. I provide fractional and interim benefits support and work alongside brokers and vendors to bring clarity and confidence to benefits decisions — without selling insurance.
I care deeply about this work because benefits decisions have real consequences for employees, families, and organizations. I bring a thoughtful, disciplined approach to every engagement, combining financial rigor, governance, and practical execution to help leaders make informed, confident decisions they can stand behind.
