Fixing Healthcare: A CFO's Playbook for Reclaiming $1,000–$4,000 Per Employee — with Donovan Pyle

How does a professional drummer who toured with Heart and mixed for U2 end up becoming the Validation Institute's 2025 Benefits Advisor of the Year? In this episode, Rishi sits down with Donovan Pyle — CEO of Health Compass Consulting and author of *Fixing Healthcare* — to expose why healthcare has become the fastest-growing financial risk on construction P&Ls, and what CFOs can actually do about it. US employers spent $1.3 trillion on healthcare in 2024 — and roughly 25% of it, about $4,000 per employee per year, was pure waste. For a 100-person contractor running 2–3% net margins, that waste eats jobs. Donovan breaks down the hidden machinery: why legacy brokers get paid more when your costs go up, why most PBM contracts say the vendor has no obligation to act in your interest, and why "healthcare just goes up every year" is a story the industry tells to keep you out of the room. Inside the conversation: - The structural conflict of interest baked into the broker model (and why it's technically a prohibited transaction under federal law) - The Johnson & Johnson case: a $10,000/month drug that cost $78 in cash - How a teachers union saved $3.6M by replacing one PBM — and how Blue Wave turned a 34% increase into a cost reduction - The fiduciary storm under the Consolidated Appropriations Act, and the personal liability CFOs don't know they carry - The Rosen Hotels playbook: $500M+ saved since 1991 with zero-deductible, value-based plan design - A Monday-morning action plan: pull your contracts, demand 408 compensation disclosures, and build a strategy instead of buying a plan Whether you're a construction CFO, HR leader, or any executive tired of watching your second-largest expense erode your margin, this is a roadmap for taking back control. Learn more about Donovan's work at healthcompassconsulting.com and fixinghealthcare.com. **#FixingHealthcare #ConstructionCFO #EmployeeBenefits #HealthcareCosts #FiduciaryDuty #CFMA #FinanceAtTheJobsite**