Now

$5M

primary limits now more
common than $10 million

Then

02

Coverage limits are shrinking as risk grows

Fiduciary liability insurance is contracting industry-wide, with $5 million
primary limits now more common than $10 million¹⁴, just as settlement
exposure climbs⁵.

EMPLOYER GROUPS

Your health plan is
now a legal exposure,
not just a line item.

The governance discipline retirement plans built over 20 years, health plans still lack. Closing that gap now, with a documented process, is your best defense.

01

Litigation is accelerating,
and it’s personal.

Schlichter Bogard filed coordinated ERISA breach-of-fiduciary-duty suits against four large employers in December 2025¹ᵃ-¹ᵈ ². Nearly 70 new ERISA class actions were filed in Q1 2026 alone⁶, with plaintiffs winning class certification approximately 95% of the time⁷. Under ERISA §409, a breaching fiduciary is personally liable, and §410 bars the plan from indemnifying them¹³.

Nearly

70

new ERISA class actions
filed in Q1 2026 alone ⁶

≈95% PLAINTIFF CLASS-CERTIFICATION RATE

per employee in 2026

$18,500+

STEEPEST INCREASE IN 15 YEARS

03

Cost pressure forces informed decisions now.

2026 saw the steepest increase in 15 years⁴ bringing healthcare costs to $18,500+ per employee. Every renewal-cycle vendor decision is paramount to a fiduciary process.

BETTER OVERSIGHT. BETTER DEFENSE.

Employers lacking documented processes are who plaintiffs' are targeting. Fiduciary Frameworks guides those processes.

$5M

02