Performance-Based Profit Maximization

What would you do with more capital? Grow the business. Enter new markets. Reward your team. Maximize your exit. Retire on your terms. Invest in what matters.

A typical engagement adds 5 to 10% to your annual bottom line. No vendor changes. No disruption. No fee unless we deliver.

$0
Profit recovered
0
Vendor audits
0
Savings protected
Book a Profit Review See your profit potential

A short call. Zero commitment. No preparation required.

Who This Is For

Built for operators who want more
from what they already have.

CEOs growing revenue

You are scaling, but profitability is not keeping pace with revenue. Margins compress quietly while the top line looks healthy. We find the gap and close it.

CFOs managing complexity

Dozens of vendor relationships. You know there is waste in the stack, but your team does not have the bandwidth or benchmarks to find it. We do.

Owners paying too much tax

Your accountant files returns. We find credits, FICA reductions, and structural savings they were never looking for. Zero risk. Performance-based.

Choose Your Path

We work across every industry. Select yours for a tailored experience.

Healthcare

Hospitals, health systems, physician groups, dental, and behavioral health.

Explore

Non-Profit

Foundations, associations, community services, faith-based, and universities.

Explore

All Other Industries

Manufacturing, logistics, professional services, retail, and any business with 25+ employees.

Keep scrolling to learn more
The Opportunity

The margin you are missing is
not a mistake. It is an oversight.

Most businesses are paying more than they should across telecom, utilities, merchant processing, insurance, and employee benefits. Not because anyone made a bad decision, but because nobody has revisited those decisions with fresh data and independent benchmarks.

At the same time, most businesses are leaving tax credits, FICA reductions, and structural savings unclaimed. Not because their accountant is bad, but because these strategies sit outside the scope of a standard tax practice.

Revenue grows. But the profit that should come with it does not fully arrive.

Where margin expansion lives
Freight & Shipping$120K - $1M+
Insurance & Benefits$40K - $1M+
Payroll & Retirement$86K - $400K
Tax Credits & FICA$40K - $1M+
Utilities & Energy$15K - $132K
Services & CRM Fees$12K - $121K
Interactive

What could your profit uplift look like?

Move the slider to see your estimated annual impact.

Number of W-2 employees 50
10500+
Estimated Annual Profit Uplift
$50,000 - $200,000
Based on 50 employees at $1,000 - $4,000 per employee per year
Book a Profit Review
Our Approach

Two engines. One engagement.
Maximum impact.

Most firms only look at one side of the equation. We maximize across both.

01

Expense Optimization

We audit every vendor contract, billing statement, and monthly invoice across your major overhead categories. Our 60+ category specialists identify overcharges, missed credits, and contract drift, then negotiate corrections on your behalf.

No vendor changes required
02

Tax & Benefits Optimization

We unlock WOTC credits, R&D credits, Section 125 structures, and FICA reductions your current accountant is not looking for. Our preventative care program alone saves employers $640 per employee per year in FICA taxes while increasing employee take-home pay by ~$160/month with zero out-of-pocket cost. Backed by Allstate, Humana, and 11 other carriers. 100% HIPAA, ERISA, and ACA compliant.

Zero implementation cost
The Tax Code Advantage

Better benefits. Higher pay. Lower costs.
All at the same time.

Most people assume improving employee benefits costs more. Through existing ACA tax codes, we deliver a program where everyone wins. It is not a trade-off. It is math.

Employers

Save $640 per employee per year in FICA taxes through reduced taxable income base.

Up to 30% reduction in workers' compensation costs.

Reduce sick days, absenteeism, and turnover with enhanced preventative care.

Zero net cost. The program pays for itself and delivers a net gain.

Employees

~$160/month increase in take-home pay through pre-tax deductions and medical expense reimbursement.

Comprehensive wellness benefits including life and dental insurance, 1,000+ prescriptions, and mental health support. Zero out-of-pocket.

24/7/365 access to telehealth, second opinions, and faster care through a dedicated digital platform.

Sits alongside existing insurance. This supplements major medical. It does not replace it.

100% HIPAA, ERISA, ACA & IRS compliant.

Written into permanent Congressional tax code since 2013. Backed by third-party actuarial valuation. Fewer than 2% of businesses know this exists.

Allstate Humana Colonial Life Transamerica Manhattan Life

Performance-based. Always.

We earn when you gain. That is the only arrangement that makes sense.

Zero Switching

We work within your existing vendor ecosystem. No migrations, no ramp-up periods, no operational friction.

Zero Time Drain

Your team stays focused on revenue. We handle all vendor conversations, implementation, and monitoring. You receive the benefit.

Zero Risk

If we do not find savings, you pay nothing. We protect recovered savings for five years with active monitoring. Results are guaranteed.

The Process

From conversation to results
in 30 to 60 days.

It starts with a conversation. We handle everything from there.

1

A short conversation

We learn about your business, vendor landscape, and where you suspect overhead may be higher than it should be. A short call. No preparation required.

2

You share the data

If it looks like there is an opportunity, you send us invoices, contracts, and benefit summaries. We tell you exactly what we need.

3

Deep analysis

Our specialists audit every line item across all overhead categories. You do nothing. We come back with specific findings and a clear savings number.

4

We implement

Vendors negotiated. Tax strategies filed. Benefits restructured. No reports. No recommendations. Results. No fee unless we deliver.

5

You keep the upside

We share in what we find. If we do not find savings, you owe nothing. Your business funds what is next.

6

We protect it for 5 years

Active monitoring for vendor reversion, fee creep, and contract drift. This is ongoing financial discipline, not a one-time audit.

Results

What this looks like in practice.

Every engagement is different. These are real outcomes from our client base.

$1M/year

FedEx parcel discounts renegotiated from 25% to 49%. A 146-employee company added $1M annually to the bottom line, a 30% earnings increase that added $7M in market value.

Freight & Shipping / 146 Employees
$300,000+

An HVAC company with 57 employees added $300K+ to annual profits through insurance, tax, PEO restructuring, and CRM fee reduction. A 20% increase in net profit. Zero vendor changes.

HVAC / 57 Employees
45%

Health insurance premiums cut from $24,809 to $13,776 per month by moving from traditional plans to a multi-cell captive structure. Same coverage. Same providers. Same employees.

Healthcare / 25+ Employees
$121,928

ServiceTitan CRM fees reduced from $120K to $39K. Credit card processing optimized. Combined annual savings of $121,928 for a single trade business.

Trades / ServiceTitan User
The $150K Exit

A pizza shop owner wanted to retire but thought his business was unsellable. We restructured his overhead, cleaned up his vendor contracts, and improved his EBIT enough to fund a real exit. He sold for $150,000 more than he thought possible. Not every engagement is seven figures. Some are about one person's next chapter.

Hospitality / Owner Exit
$640/employee

Preventative care program generated $640/employee/year in employer FICA savings while increasing employee take-home pay by ~$160/month. Zero cost to implement. Backed by 13 major carriers.

Tax & Benefits / All Industries
Scope

Nine areas where margin expansion lives.

Tax Credits & Refunds

WOTC, R&D, sales/property/use tax recovery. Typical impact: $40K to $1M+ annually. Most businesses have never been audited for credits they are entitled to.

Insurance & Benefits

ICHRA, captive structures, self-insurance with RBP. 30-45% premium reductions. $4,000+ per employee per year. Plus $640/employee in FICA savings via preventative care.

Freight & Shipping

Prepaid freight markup recovery, FedEx/UPS parcel renegotiation (25% to 49% discounts). $120K to $1M+ annually. Inbound freight optimization for hospitals and manufacturers.

Telecommunications

AT&T and carrier cost reduction, contract renegotiation, compliance audits. Legacy rate plans, unused capacity, and misaligned account structures hide thousands annually.

Utilities & Energy

Rate optimization and energy procurement. A client using 2.54M kWh reduced costs by 2.35 cents per kWh, saving $132,267 in year one alone.

Merchant Processing

Processing fees, interchange rates, and gateway charges compound across transaction volume. Credit card processing audits routinely uncover significant overcharges.

Services & Supplies

Medical supply audits (Medline, McKesson), GPO refunds, CRM fees. One trade business saved $121K annually on ServiceTitan and card processing alone.

Treasury & Banking

eChecks, merchant services, factoring cost reduction. SMEs save up to $240K per $1M of receivables by restructuring inefficient factoring arrangements.

Payroll & Retirement

401K advisory fees at 20-25 bps when market rate is 10 bps. ADP overcharges of 100-250%. Section 125 plans saving $100K to $400K annually for 100+ employee companies.

Leadership

Fortune 500 financial discipline. Applied to your business.

Andrew Pendrill

Andrew Pendrill

Healthcare & General Practice

Over two decades in investment banking and corporate advisory, specializing in healthcare. Ranked in the top 3 globally as a healthcare specialist for 10 consecutive years by Extel, Institutional Investor, and Reuters. Advised on transactions exceeding $1 billion.

The same rigor that scrutinizes every dollar in a billion-dollar transaction is now available to businesses of any size. That is the point.

20+
Years in IB & Advisory
Top 3
Global Healthcare Ranking
Barbara Mullaney

Barbara Mullaney

Non-Profit Practice

A Certified Public Accountant and former senior banking professional with decades of financial expertise. Barbara currently serves on the board of the Center for Family Services, giving her firsthand understanding of the financial challenges non-profits face every day.

She believes every mission-driven organization deserves the same financial rigor that Fortune 500 companies deploy. Barbara leads the non-profit practice at Pendrill & Associates.

CPA
Certified Public Accountant
Board
Center for Family Services

What would stronger margins
fund for your business?

A new hire. Better benefits for your team. The expansion you have been planning. We make sure you have the capital to choose.

You have already done the hard work of building the revenue. Let us secure the profit.

Book a Profit Review

Performance-based. It starts with a conversation.