For decades, employers have been fed a lie: “There’s nothing you can do to control healthcare costs.” This couldn’t be further from the truth. The system is doing exactly what it was designed to do—profit off of HR, CFOs, and CEOs who believe that lie year after year.With 180 million Americans relying on employer-sponsored healthcare, it’s time to challenge the status quo. The Business of Benefits is your No BS, No Sales guide to the real solutions. No gimmicks—just the truth about how to take control, transform your benefits, and care for your most valuable asset: your people.Each episode dives deep into the data, exposing industry misalignments and inefficiencies that inflate costs while offering actionable strategies for designing financially sustainable, high-value benefits.Through eye-opening interviews with industry insiders, expert analysis, and real-world success stories, hosts Donovan and Chelsea pull back the curtain on the hidden flaws in the healthcare system. The result? An empowering roadmap for employers ready to break free from outdated models and unlock smarter, more sustainable benefits.If you’re tired of the same old sales pitch and ready to rethink benefits, reduce costs, and improve care—this podcast is for you. The truth is out there—are you ready to hear it?
Ethos Effect
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Podcast Overview
For decades, employers have been fed a lie: “There’s nothing you can do to control healthcare costs.” This couldn’t be further from the truth. The system is doing exactly what it was designed to do—profit off of HR, CFOs, and CEOs who believe that lie year after year.With 180 million Americans relying on employer-sponsored healthcare, it’s time to challenge the status quo. The Business of Benefits is your No BS, No Sales guide to the real solutions. No gimmicks—just the truth about how to take control, transform your benefits, and care for your most valuable asset: your people.Each episode dives deep into the data, exposing industry misalignments and inefficiencies that inflate costs while offering actionable strategies for designing financially sustainable, high-value benefits.Through eye-opening interviews with industry insiders, expert analysis, and real-world success stories, hosts Donovan and Chelsea pull back the curtain on the hidden flaws in the healthcare system. The result? An empowering roadmap for employers ready to break free from outdated models and unlock smarter, more sustainable benefits.If you’re tired of the same old sales pitch and ready to rethink benefits, reduce costs, and improve care—this podcast is for you. The truth is out there—are you ready to hear it?
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Publishing Since
1/4/2024
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Recent Episodes
July 30, 2026
83. “I Don’t Know” Won’t Cut It in a Department of Labor Audit w/ Patrick Williams
In this episode, host Chelsea Ryckis sits down with Patrick Williams, Co-Founder of Fiduciary in a Box, to reset what it actually means to be a fiduciary over your company’s health plan, and why “I don’t know” is the one answer that won’t hold up in a Department of Labor audit. We cover the core tenets of fiduciary duty under ERISA, the difference between settlor and non-settlor functions, and why the same prudent-process standard employers already apply to their 401(k) now applies to their health plan under the CAA. Patrick shares real stories from his own client base, including a company that went seven years without filing a required Form 5500, and a 3,000-life employer that declined a fiduciary platform only to get hit with a DOL audit six months later. Chelsea and Patrick also break down a fiduciary liability insurance gap most health and welfare advisors don’t carry, why most RFP processes are built to protect incumbents, and the exact questions plan sponsors should be asking before they ever sign a contract.<br /><b>What You’ll Learn</b><br />• The core tenets of fiduciary duty under ERISA, and why prudence matters more than perfection • The difference between settlor functions and fiduciary functions, and which one actually carries liability<br />• Why health plans now face the same committee, documentation, and vendor-review scrutiny as retirement plans<br />• A fiduciary liability insurance gap most health and welfare advisors don’t carry, and the question to ask them directly<br />• Real DOL audit and Form 5500 penalty stories, and what actually holds up as a defense<br />• Five RFP questions that separate a real fiduciary process from a marketing claim<br />• Practical steps to build a documented, audit-ready fiduciary process starting today<br /><br />Whether you’re an HR professional, CFO, CEO, or a plan sponsor tired of guessing your way through renewal, this episode is your call to build a fiduciary process you can actually defend.<br /><br />Connect with Patrick Williams<br />LinkedIn: https://www.linkedin.com/in/corporatefiduciary/<br />Website: https://www.fiduciaryinabox.com<br />Connect with Chelsea and The Business of Benefits<br />Website: https://www.businessofbenefitspodcast.com<br />YouTube: https://www.youtube.com/@thebusinessofbenefitspodcast<br />The Business of Benefits Podcast<br />Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.<br />Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don’t take commissions. We don’t represent carriers. We represent you.<br /><br />Finished with the content? Claim your CE credit here:<br />https://ideas.ethosbenefits.com/continuing-education<br /><br />SHRM<br />Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.<br /><br />HRCI<br />Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.<br />
July 16, 2026
82. A Panel Discussion with 2 Employer Case Studies w/ Jaimie Jarvis & Stephanie Porrino
<b>At SHRM26, moderator Chelsea Ryckis and Ethos Benefits co-founder Donovan Ryckis brought two employers on stage to show what taking control of a self-funded health plan looks like in dollars and cents. Stephanie Porrino (formerly HR Director at Hendry Marine Industries, now Founder & CEO of Empower Healthcare Insights) and Jaimie Jarvis (HR Director at Kalos Services) walk through the plan changes, broker breakups, and multi-year strategy that took their companies from reactive renewals to governed, fiduciary-driven plans, backed by real claims data. We cover the four moving parts of every health plan (PBM, network, TPA, stop loss), why fully funded and level funded plans leave employers with no real data, how reference-based pricing works, and how two very different employers landed in the same place: lower costs, better access to care, and employees who feel it.What you'll learn:</b><ul><li>Fully funded vs. level funded vs. self-funded, and why most employers never see their real claims data</li><li>How reference-based pricing works, and why 13 states have already adopted it</li><li>A 300-employee shipyard's five-year case study: 77% off billed hospital claims</li><li>How a construction company went from a 37% renewal increase to zero premium increases in four years</li><li>Why removing cost-sharing on primary care, imaging, and mental health can lower total spend</li><li>Why more balance bills can actually be a good sign</li><li>How to tell if your broker or advisor is really working in your best interest</li></ul><b>Get more on our guests at:<br />Stephanie Porrino, Founder & CEO, Empower Healthcare Insights<br />Website:<a href="https://empowerhcinsights.com" target="_blank" rel="noreferrer noopener"> https://empowerhcinsights.com<br /></a> LinkedIn:<a href="https://www.linkedin.com/in/stephanie-kochporrino/" target="_blank" rel="noreferrer noopener"> https://www.linkedin.com/in/stephanie-kochporrino/</a>Jaimie Jarvis, HR Director, Kalos Services<br />LinkedIn:<a href="https://www.linkedin.com/in/jaimie-nyhuis-jarvis/" target="_blank" rel="noreferrer noopener"> https://www.linkedin.com/in/jaimie-nyhuis-jarvis/</a>Patrick Williams, Co-Founder, Fiduciary in a Box<br />LinkedIn:<a href="https://www.linkedin.com/in/corporatefiduciary/" target="_blank" rel="noreferrer noopener"> https://www.linkedin.com/in/corporatefiduciary/</a>Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink your benefits strategy and finally take control.Connect with Chelsea and Donovan:<br />Website:<a href="http://www.businessofbenefitspodcast.com" target="_blank" rel="noreferrer noopener"> www.businessofbenefitspodcast.com<br /></a> YouTube:<a href="https://www.youtube.com/@thebusinessofbenefitspodcast" target="_blank" rel="noreferrer noopener"> https://www.youtube.com/@thebusinessofbenefitspodcast<br /></a> Instagram:<a href="https://www.instagram.com/ethoseffectpodcast/" target="_blank" rel="noreferrer noopener"> https://www.instagram.com/ethoseffectpodcast/<br /></a> Chelsea:<a href="https://www.linkedin.com/in/chelsea-ryckis-8508a192/" target="_blank" rel="noreferrer noopener"> https://www.linkedin.com/in/chelsea-ryckis-8508a192/<br /></a> Donovan:<a href="https://www.linkedin.com/in/donovanryckis/" target="_blank" rel="noreferrer noopener"> https://www.linkedin.com/in/donovanryckis/</a><br />The Business of Benefits Podcast:Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.<br />Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.—-Finished with the content? Claim your CE credit here:<a href="https://ideas.ethosbenefits.com/continuing-education" target="_blank" rel="noreferrer noopener">https://ideas.ethosbenefits.com/continuing-education</a>SHRM:Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or...
July 2, 2026
81. Why Your Wellness Program Isn't Working: The Data-Driven Fix for Employee Burnout w/ Dr. Romie Mushtaq
Host Chelsea Ryckis interviews Dr. Romie Mushtaq, a physician and Chief Wellness Officer, about data-driven strategies to combat employee burnout and build effective wellness programs.
84 total episodes available
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Jay Gepfert
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