Vendor Strategies are often limited to an RFP instead of underwriting philosophies and underwriting experience. Our goal is to create a matrix of vendor partners that provide an aligned interest partnership and understand that risk transfer analysis is not the same as risk tolerance. Risk transfer will be analyzed in terms of benefit levels, annual cost, and annual maximum out-of-pocket exposure for the company and the employee. The financial exposure will coincide with legal and tax strategies s that optimize the impact of employee retention and recruitment.