Due Diligence
Benefits, payroll, HR, compliance, and 401(k) diligence for acquisitions, recapitalizations, and the moments that change a company's shape.
No charge for diligence.
When a deal is on the table, the exposure rarely makes the headline, but it moves the number.
We surface what's real before it's signed: the liabilities hiding in plan documents, the compliance gaps that become the buyer's problem, and the run-rate cost that follows the company across the close.
Most firms bill by the hour or take a cut of the deal. We do this work at no cost, and earn the relationship that comes after.
The more runway, the deeper the diligence.
Timing is everything. The earlier we're at the table, the more we can actually do, and the fewer surprises land after the ink is dry. A few extra weeks of runway is the difference between a quick scan and a thorough one.
Loop us in before the LOI if you can, or the moment a deal starts taking shape. With real runway we can dig into plan documents and filings, pressure-test the run-rate, line up carrier and vendor conversations, and quantify exposure while there's still time to price it, paper it, or walk. Called in at the eleventh hour, we'll still move fast, but early access is where the real value is. And since it never costs you a dollar, there's no reason to wait.
The benefits side of the data room.
Benefits
Medical, dental, vision, life, and disability plans: contracts, rates, funding arrangements, renewal exposure, and true run-rate cost.
Payroll
A close look at the current payroll platform and what they're being charged for it, then a read on whether there's a better-fit, better-priced option.
HR
Policies, handbooks, employee classifications, key-person coverage, and the people data behind every deal assumption.
Compliance
ACA, ERISA, COBRA, 5500 and 1095 filings, Section 125, PCORI, and non-discrimination testing, flagged before they transfer.
401(k) & retirement
A look at the current 401(k) provider and plan setup, then a read on whether there's a better-fit, better-priced option for the team going forward.
Cost & integration
Combined run-rate, redundancies and synergies, day-one coverage, and a realistic roadmap to harmonize post-close.
Scoped to the deal timeline.
Scope
We align on the transaction, the timeline, and exactly what the deal team needs to see.
Review
We work the data room (plans, filings, census, and contracts) and ask the questions that aren't in it.
Report
A clear findings memo: exposures, quantified liabilities, and the items worth pricing or papering before close.
Integrate
Once it's signed, we carry it forward: day-one coverage and a plan to harmonize without a gap.
Have a transaction in motion?
We can be under NDA and into the data room quickly, at no cost to you. Tell us the timeline.
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