Mergers and acquisitions. Benefits due diligence and integration.

Your deal depends on more than the financials. Health plans, benefits and HR programs carry liabilities, compliance gaps and costs that can change a deal's value. Ethos Benefits reviews them during due diligence, quantifies what it finds, and plans the integration so employees keep coverage and the combined plan costs less.

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What you get.

Benefits risks surface after closing: an unfiled Form 5500, a self-funded plan with unpaid claims, a contract that can't be ended. They are cheaper to find before the deal closes.

Benefits due diligencePlan documents, contracts, filings, claims and liabilities reviewed for the target’s health and welfare plans.
Compliance gap reviewMissing documents, filings, notices and ACA exposure identified and sized.
Cost and claims analysisClaims experience, large claimants and run-out liability for self-funded plans quantified.
Integration planHow and when plans combine, with contracts, eligibility, payroll and communications sequenced.
Employee communicationsClear communication so employees know what is changing and keep coverage through the transition.

Who we help.

Client	What they need
Private equity firms	Benefits risk found before closing, and portfolio plans run to one standard
Corporate buyers	Teams integrated quickly, without coverage gaps
Founders and sellers	Clean, compliant plans that hold up in a buyer’s diligence
Advisors	A benefits review that fits into the due diligence report

Before closing, and after.

Due diligence finds what the deal must account for. Integration makes the combined plan work: contracts, eligibility, payroll, communications and governance, with the decisions recorded under your Fiduciary Framework™.

Part of your Fiduciary Framework™.

Every Ethos service reports to your benefits committee. The work is reviewed at your quarterly committee meeting, each decision is recorded with the reasoning behind it, and the record lives in your Ethos Fiduciary OS. That is what lets your committee show the plan was run prudently.

See the Fiduciary Framework™ · How fiduciary governance works

Questions employers ask about this.

Who do you work with on a deal?

Private equity firms, corporate buyers, sellers preparing for a sale, and the advisors who run due diligence.

What is run-out liability?

On a self-funded plan, claims for care received before a change can be submitted for months afterward. Due diligence estimates that liability so it is reflected in the deal.

Can you help after closing?

Yes. Ethos plans and runs the integration, and the combined plan can move into the Fiduciary Framework™ so it is governed from the start.

See what your plan is really costing you.

A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture.

Request a Strategic Analysis Call (407) 803-4710