Are Captives Too Complex? Phil Holowka Says You’re Asking the WRONG Question

Are captives really too complex, or are brokers just afraid you’ll start asking the right questions?

In this new episode of The Benefit Whisperer, host Ralph Weber sits down with Phil Holowka, COO of Complete Captive Management Services, to unpack the truth about group vs. single parent captives, and why most advisors aren’t telling their clients the full story.

From hidden expense loads to the illusion of control in traditional insurance arrangements, this conversation reveals how smart employers are reclaiming their healthcare spend, building their own insurance companies, and finally breaking free of the PPO hamster wheel.

🎯 Ideal for CFOs, CEOs, and benefits advisors who:

• Want to cut waste without compromising care

• Are tired of fully insured traps and half-baked “self-funded” solutions

• Are ready to explore how single parent captives work, even with just 20 lives

💡 What you’ll learn:

• The difference between governance and true control

• Why most group captives offer limited transparency

• How expense loads quietly drain 30–45% of your premium

• What questions you must ask when evaluating a captive strategy

🔗 Learn more at FixMyBenefitsNow.com
📧 Ralph Weber: [e-mail] | 📞 832-924-3330
🎙️ Guest: Phil Holowka | CompleteCaptive.com

Credits
Hosted by: Ralph Weber
Special Guest: Phil Holowka
Produced & Edited by: Kathrine Mowrey | GSD Consultants, LLC
Marketing & Distribution: GSD Consultants, LLC