Fiduciary Risk Scorecard

How exposed is your
benefits plan to a
fiduciary claim?

A free, anonymous 4-minute self-assessment for HR leaders, CFOs, and general counsel. Answer 14 questions about your health plan's governance, pharmacy contract, vendor fees, and documentation — get a risk score, section-by-section breakdown, and a prioritized 90-day action list.

What's measured?
14
Questions grouped in 5 sections. About 4 minutes to complete.
0 / 100
Score with a risk band — Low, Moderate, Elevated, or Critical.
90
Days of prioritized actions you can take, ranked by legal urgency.
What this assesses

Five areas where benefits fiduciaries get sued.

  • Plan oversight and governance. Whether a formal committee exists, how often it meets, and whether anyone on it has been trained on their fiduciary duty.
  • Pharmacy and rebate handling. How your PBM contract treats rebates, spread pricing, and market checks — the issues at the center of the J&J litigation.
  • Fees and vendor accountability. Whether you have written disclosure of broker compensation (CAA §202), whether fees have been benchmarked, and how broker comp is structured.
  • Committee and documentation. Whether current plan documents are accessible, whether meeting minutes exist, and whether you have a written Investment Policy Statement or equivalent.
  • Recent actions. CAA gag clause attestation status and whether you've had an independent plan review in the last 12 months.

Anonymous. No email required. Nothing you enter leaves this device. Read the methodology and important disclaimers.

Fiduciary Risk Scorecard

Answer 14 questions about your plan.

Answer based on your current state. If you don't know an answer, pick "not sure" — it's treated as a risk signal, not a penalty. Nothing is uploaded. You can print your results at the end.

0 of 14
0%

All answers stay on this device. Your score is computed in your browser — nothing is sent to a server.

Your results

Here's where your plan stands.

This is a directional risk score, not a legal determination. Use it to start a conversation with your committee, your broker, and your counsel.

Opens a print-ready window. Choose Save as PDF as your destination. Nothing is uploaded.

Go deeper: the Fiduciary File

This scorecard tells you where you stand. The Fiduciary File is where you fix it: your plan's full obligation register, a dated calendar of every filing and attestation, the committee kit, vendor oversight with the new PBM disclosures, an evidence tracker, and a printable binder index. Built on your device, exportable, nothing uploaded. Your answers here carry over.

Open the Fiduciary File →

Or go back to the Machine.

The companion score
Renewal Readiness
Fiduciary is the exposure; readiness is the plan. →
Your season-by-season desk
The HR Desk
Everything organized the way your year actually runs. →
The score is the door
Behind it is the file.
Every obligation for your plan, dated and owned, with the evidence next to it. Committee charter, minutes, training log, vendor disclosures under CAA 2026, the annual renewal review. Built on your device, exportable, printable as a binder.
Open the Fiduciary File →