NIGP 91869: Insurance Consulting

NIGP Item 91869 Insurance Consulting covers broker and consulting services that state and local governments procure to manage their employee benefits programs, property and casualty insurance portfolios, and specialized coverage needs including stop-loss, workers' compensation claims administration, and risk management advisory. State and local buyers under this code include municipalities, counties, school districts, independent school districts, state health authorities, and special districts; recent activity shows city and county human resources departments as the dominant repeat buyers, with secondary activity from school districts and transit/healthcare authorities. Representative current solicitations include the City of Holly Hill, Florida's RFP for broker services covering medical, dental, vision, firefighter cancer, and life insurance benefits with proposals due April 8, 2026; the City of Tampa's RFP for comprehensive employee benefits consulting services including health plan performance analysis, budget preparation, and Section 457 deferred compensation plan consulting with proposals due October 22, 2026; and Paulding County, Georgia's quality-based RFQ for employee benefits brokerage and consulting services with proposals due November 13, 2026.

Activity concentrates in Florida, Georgia, Texas, and the Pacific Northwest, with secondary spreads across the Midwest and Northeast. Florida municipalities and counties dominate the recent posting volume—DeBary, Holly Hill, Escambia County, Pinellas County, New Smyrna Beach, Brevard County, and Green Cove Springs all posted broker and benefits consulting RFPs or RFQs between July and October 2026. Georgia counties (Henry, Paulding, Catoosa, Rockland in neighboring New York) are actively rebidding broker services on staggered timelines. Texas buyers including the City of Tampa, Fort Worth, San Angelo, and school districts in the Houston and Austin areas are soliciting stop-loss reinsurance, claims administration TPA services, and benefits consulting on the same cycle. Washington State Health Care Authority's RFP for fully-insured medical plans and New Jersey DOBI's utilization review organization procurement signal activity at the state level. The code captures both direct brokerage and Agent of Record placements, where brokers negotiate carrier relationships and manage plan administration, as well as standalone advisory consulting where consultants support plan design, claims analysis, compliance, and cost containment independent of sales commissions. Compensation structures vary widely: commission-based arrangements tied to insurance placements, fixed-fee consulting, PEPM (per-employee-per-month) pricing for TPA and administration services, and contingency-based recovery models for claims subrogation. Set-asides and local preferences appear sporadically—Henry County, Georgia weights local vendor participation; Pinellas County, Florida names incumbent invited vendors; Fort Worth applies a 30% small-business participation goal for subrogation services. No dominant incumbent carrier or consulting firm emerges across the dataset, suggesting fragmentation and active competitive turnover in this category.