Tag: humaculture
Are You Next in Line for a Fiduciary Lawsuit Over Your Supplemental Health Plans?
A Humaculture® Perspective on Prudent Governance and Created Value
Date: March 10, 2026
Prepared by Humaculture, Inc.
Introduction
Recent ERISA litigation has brought new attention to ERISA fiduciary risks for plan sponsors who manage supplemental health plans. These voluntary benefits include critical illness, accident, and hospital indemnity coverage. In December 2025, class action lawsuits filed by Schlichter Bogard & Denton named both employers and their benefits consultants as defendants. The complaints alleged fiduciary breaches tied to plan oversight, fee reasonableness, and potential conflicts of interest. Cases targeted organizations such as United Airlines, CommonSpirit Health, Allied Universal, and LabCorp. These actions mark an expansion of ERISA scrutiny into health and welfare benefits.
Humaculture, Inc. approaches these challenges with the Humaculture® Topological Model. This framework rests on the maxim “feed the soil, not the plant.” Leaders cultivate the Organization Domain through Processes and Structures as enabling “soil.” This approach empowers People, like “plants,” to thrive within the broader Environment, including Rules (e.g., laws and regulations), and produce sustainable Created Value.
Strong fiduciary governance in benefits programs supports the delivery of the Three Promises as outcomes of the Humaculture® Topological Model: Effectual (tangible risk reduction and compliance), Emotional (trust and fairness), and Economic (cost efficiency and resource optimization).
High-Risk Profile for Supplemental Health Plan Litigation
Industry analysis and patterns from recent cases, including insights referenced in the “Blindsided” paper from Employees First, suggest organizations with the following characteristics face particularly elevated risk:
- Broker compensation equals or exceeds 30% of premium
- Total annual premium volume equals or exceeds $10 million
- High-visibility, nationally recognized brand
If your organization matches this profile, proactive review of fiduciary processes is especially urgent.
Parallel Developments with Retirement Plans
The current wave of supplemental health plan litigation follows the same path that transformed retirement plans over the last two decades. ERISA established the fiduciary framework in 1974. The Pension Protection Act of 2006 and the Tussey v. ABB case in 2012 exposed breaches in recordkeeping and revenue sharing. A wave of excessive fee lawsuits followed, making competitive RFPs, benchmarking, full fee disclosure, and co-fiduciary advisors the new standard. The same combination of legislation plus litigation is now driving a similar paradigm shift in health and welfare benefits. The message is clear: what happened in retirement plans is now happening in supplemental health plans.
ERISA Fiduciary Risks: Actionable Checklist for Plan Sponsors
The checklist below helps Plan Sponsors strengthen their practices to fulfill their fiduciary responsibility for supplemental health plans. Proactive steps reduce litigation exposure. The proactive steps also enhance Well-being as a contributor to productivity, support Merit-Based Talent Cultivation, and build organizational resilience.
The “Blindsided” paper from Employees First (June 2025) was referenced in each of these lawsuits, both in the narrative and footnotes, as supporting context for longstanding concerns about these issues. The paper focuses primarily on employers as plan sponsors because the document is geared toward them as the ultimate fiduciaries under ERISA. While the lawsuits name four consultants/brokers (Mercer, Gallagher, Lockton, and WTW) as co-defendants, the paper emphasizes employers’ responsibility to oversee and select advisors prudently. It argues that plan sponsors bear the primary duty to act in participants’ best interests, even if consultants contribute to issues like excessive fees or conflicts. The root cause is often portrayed as a systemic failure in fiduciary processes, but the paper prioritizes actionable steps for employers rather than assigning blame to brokers, to empower sponsors to mitigate risks independently.
Fiduciary Risk Mitigation Checklist for Supplemental Health Plans
Apply this checklist during annual reviews, vendor evaluations, or plan design updates. Document decisions thoroughly to create a prudent process trail.
- Strengthen Governance Through Dedicated Structures
- Form or reinforce a benefits committee with a clear charter. The charter must emphasize ERISA duties of prudence, loyalty, and exclusive participant benefit.
- Include independent expertise and establish Processes for regular training.
- Action Item: Schedule annual fiduciary education and review committee composition within 60 days.
- Formalize Vendor and Consultant Selection Processes
- Conduct competitive requests for proposals with full compensation disclosure, including all overrides, production credits, and revenue-sharing arrangements.
- Prioritize fee-only advisors willing to accept co-fiduciary status under ERISA sections 3(21) or 3(38) to minimize conflicts.
- Action Item: Initiate an RFP cycle if current arrangements exceed three years.
- Ensure Fee Reasonableness and Transparency
- Identify, itemize, and benchmark all fees, services, overrides, production credits, and potential outcomes against industry standards to maximize participant Created Value. Ensure supplemental health plans are not paying a disproportionate share of administrative services.
- Evaluate claims payout ratios and overall participant value.
- Action Item: Engage independent benchmarking and negotiate adjustments where costs appear excessive.
- Align Plan Design with Participant Needs and Created Value
- Confirm offerings provide meaningful, non-duplicative coverage.
- Deliver clear, annual disclosures on costs, benefits, and oversight.
- Action Item: Update Summary Plan Descriptions and gather participant feedback via surveys.
- Embed Ongoing Monitoring via Enabling Processes
- Establish quarterly performance metrics for enrollment, claims efficiency, and satisfaction.
- Use information gathered from Performance Nurturing process to adapt offerings dynamically.
- Action Item: Implement monitoring dashboards and schedule regular committee discussions.
- Secure Protections and Continuous Adaptation
- Maintain robust fiduciary liability coverage that includes health plans.
- Develop response protocols for regulatory inquiries.
- Action Item: Conduct an annual insurance review and consider a simulated fiduciary audit.
How Humaculture® Can Support Your Organization
Humaculture, Inc. helps leaders cultivate resilient organizations with the Humaculture® Topological Model and tools such as the HARS™ (Health, Absence, Resilience Support) framework. We offer independent assessments of total rewards programs, including supplemental health plan governance, without the product sales conflicts of many brokers and consultants. Explore our full range of services and support options.
Independent Consultant vs. Traditional Broker
The choice of advisor is one of the most important Processes in the Organization Domain. Choosing an independent consultant instead of a traditional broker is a direct way to “feed the soil” of strong fiduciary governance. Here is how the two approaches compare:
Note: Many large firms that market themselves as “consultants” continue to earn the majority of revenue from carrier commissions, overrides, and production-based fees — operating with the same conflicts as traditional brokers. True independence requires client-paid fees only and acceptance of co-fiduciary responsibility.
| Aspect | Independent Consultant | Traditional Broker |
|---|---|---|
| Type of Firm | Professional advisory firm licensed to advise on insurance | Insurance agency or brokerage |
| Primary Revenue Source | Client-paid fees | Carrier-paid commissions |
| Pricing Model | Fixed or project-based fees | Percentage of premium (typically 25–40%) |
| Revenue Sharing / Overrides | None | Common (overrides, sales quotas, production bonuses) |
| Represents | The plan sponsor / client | The insurance carriers |
| Primary Focus | Strategic design, participant outcomes, Created Value | Product placement and premium volume |
| Service Style | Comprehensive RFP, actuarial analysis, ongoing monitoring | Transactional renewals and carrier-driven |
| Summary | Unbiased strategic guidance serving only client interests | Services designed to support product sales and servicing |
ERISA Fiduciary Risks Alignment with the Humaculture® Topological Model
The table below shows how an independent consultant strengthens the Organization Domain in the Humaculture® Topological Model by feeding the soil of clean Processes. In short, the broker model fails to recognize how Processes enable healthy Connections between the Organization Domain and People, creating unintended consequences.
| Aspect | Humaculture® Alignment | Practical Outcome in the Model |
|---|---|---|
| Primary Revenue Source & Pricing Model | Client-paid fees vs. carrier commissions | Clean “soil” (no hidden conflicts) vs. contaminated “soil” |
| Revenue Sharing / Overrides | None vs. common overrides | Protects integrity of the fiduciary Processes vs. self-dealing |
| Represents | Plan sponsor vs. insurance carriers | Feeds loyalty and prudence vs. violates exclusive-benefit rule |
| Primary Focus & Service Style | Strategic design and Created Value vs. product placement | Nurtures Created Value vs. treats People as sales opportunity |
| Summary | Unbiased guidance vs. product sales support | Cultivates resilient Organization Domain vs. creates unintended consequences |
Our services cover fiduciary process audits aligned with the Dynamic Matrix, evidence-based plan design recommendations, actuarial-supported ROI modeling for benefits investments, and Cultural Nurturing strategies to enhance engagement and Well-being.
We focus on Merit-Based Talent Cultivation and Equality of Opportunity to deliver balanced outcomes in each of the Three Promises.
ERISA Fiduciary Risks Summary
The evolving ERISA landscape calls for robust, documented fiduciary Processes in supplemental health plans. Leaders who proactively feed the soil through strong governance reduce legal risks and unlock greater Created Value. This includes lower costs, higher resilience, and sustained productivity. Read more of our insights on organizational resilience.
Humaculture, Inc. stands ready to partner with you on this cultivation journey. Contact us to discuss a customized assessment or explore how the Humaculture® Topological Model can optimize your total rewards strategy.
Contact: Steve Cyboran at [email protected], Wes Rogers at [email protected], or Caroline Cyboran at [email protected]
Website: humaculture.com
LinkedIn: humaculture-inc
USA Hockey’s Golden Sweep: Lessons in “Feeding the Soil” for Instant Team Cohesion
Photo above: USA Men’s Hockey Team in the Oval Office with President Trump (Feb 24, 2026)
In the 2026 Milano Cortina Winter Olympics, both the USA men’s and women’s hockey teams defeated Canada in dramatic 2-1 overtime victories to win gold. The men’s team captured America’s first Olympic men’s hockey gold medal in 46 years (exactly 46 years after the 1980 “Miracle on Ice”), while the women’s team secured their third Olympic gold. This double-gold sweep by USA Hockey demonstrated the power of “feeding the soil” for instant team cohesion from talented players across different professional leagues.
The Humaculture® Topological Model principle of “feed the soil, not the plant” was on full display. The “plants” are the elite athletes with outstanding personal characteristics, skills, training, and experience. The “soil” consists of the organizational processes such as Cultural Nurturing and Performance Nurturing, along with structures that support Merit-Based Talent Cultivation and clear roles. When this “Organizational Soil” is rapidly enriched, exceptional Created Value emerges even under tight timelines.
The Challenge of Rapid Team Assembly
Olympic hockey requires top players from multiple NHL teams (men) and PWHL teams (women) to form a unified group in just weeks. Each athlete arrives with their own playing style, ego, and club background. Success hinges on quickly “feeding the soil” for instant team cohesion so that Talent Diversity and Collaboration can produce winning results despite the intense pressure and short preparation time.
Men’s Team: Resilience While “Feeding the Soil” for Instant Team Cohesion
In the men’s gold medal game, forward Jack Hughes took a high stick to the mouth from Canada’s Sam Bennett in the third period, knocking out parts of his two front teeth. Rather than leaving the game, he drew the penalty, quickly composed himself, and returned to the ice. In overtime, Hughes scored the golden goal to secure the victory.
Above video: Jack Hughes’ Golden Goal
Ironically, the golden goal came from Jack Hughes, who shares the name of the player who was the final cut from the 1980 “Miracle on Ice” team exactly 46 years earlier.
Goaltender Connor Hellebuyck delivered a dominant performance with 41 saves in the gold medal game alone, including massive third-period stops that kept the United States in position to win. His focus and positioning exemplified strong Performance Nurturing, through clear role clarity and mental preparation that enabled peak Capacity in support of the team.
Above video: Connor Hellebuyck’s Unbelievable Highlight Reel
The leadership of the men’s team, under Coach Mike Sullivan and GM Bill Guerin, first designed the roles and processes around character, high-autonomy, and accountability, what Coach Mike Sullivan later called a team of “whiskey drinkers” who embraced unglamorous roles without ego. They then deliberately “fed the soil” by providing clear role descriptions and expectations, encouraging greater player autonomy in on-ice decisions, and rewarding unselfish team cooperation through a culture of accountability and “next shift” focus. This differed markedly from past Olympic teams that relied more heavily on raw talent alone.
Women’s Team: Leadership and Excellence While “Feeding the Soil” for Instant Team Cohesion
The women’s team cultivated a distinctly different “Organizational Soil.” As a more established national program under Coach John Wroblewski, leadership first designed the system with clear roles emphasizing positional versatility and a shared aggressive mindset (where strong offense served as the best defense). They then selected players who would excel within that designed structure and created processes that made every role genuinely important. This intentional enrichment of the “Organizational Soil” built rapid trust, communication, and collective accountability despite the short Olympic preparation period.
Above video: U.S. women’s hockey team receives gold medal
Goaltender Aerin Frankel delivered one of the most dominant performances in Olympic women’s hockey history, allowing only two goals across all games while recording three shutouts. Her consistency provided the rock-solid foundation for the team’s success.
Practical Lessons from “Feeding the Soil” for Instant Team Cohesion
Both USA Hockey teams – two different organizations representing the same USA – prove that prioritizing Merit-Based Talent Cultivation and rapidly “feeding the soil” for instant team cohesion leads to outstanding outcomes. Both teams followed the same core approach: first design the roles and processes, then select players who would thrive within that system. The men’s team uniquely designed theirs around character, high autonomy, and accountability to succeed despite players coming from a high-ego NHL environment. The women’s team designed theirs around positional versatility and a shared aggressive mindset to create a cohesive national program. These unique designs created the enriched “Organizational Soil” that enabled elite talent to thrive as a cohesive unit — far beyond what raw skills and experience alone could have achieved.
This approach delivers the Three Promises: Effectual results through victory, Emotional resonance through shared pride, and Economic value through enhanced reputation and talent development.
Leaders in any field can apply these same principles: focus first on strengthening processes and structures (such as clear roles, autonomy, communication, and team accountability) rather than trying to force outcomes from talent alone.
This article is part of our Team Sports series exploring how leaders “feed the soil” for rapid team success. Previously: From Underdog to Unbeaten Champions – the Indiana Hoosiers story.
Contact: Steve Cyboran at [email protected], Wes Rogers at [email protected], or Caroline Cyboran at [email protected]
Website: humaculture.com
LinkedIn: humaculture-inc
Humaculture® Featured Among Ten Thought Leaders Driving Change
We’re pleased to announce that Humaculture, Inc. has been recognized in the latest International Business Times feature: “Pathos Communications and PathosMind Unveil Ten Thought Leaders Driving Change”.
Co-founder Steve Cyboran is highlighted for the Humaculture® Topological Model – a distinctive, evidence-based framework that helps executives, entrepreneurs, and leaders across business, nonprofit, and public sectors build resilient, high-performing organizations.
Rooted in the prescient analogy of sustainable horticulture, the Model views the Environment Domain as the broader terrain, the Organization Domain (with its Structures, Assets, and Processes) as well-tended “soil” forming an intentional “garden or landscape,” and People as thriving “plants” that generate abundant Created Value.
The guiding maxim is simple and powerful: “feed the soil, not the plant.” By enriching systemic Processes rather than forcing outcomes on individuals, the non-hierarchical Dynamic Matrix enables fluid, cyclical interactions across three Domains and nine Expressions – delivering natural growth and sustainable results.
This approach stands apart from conventional top-down models by emphasizing Equality of Opportunity and Merit-Based Talent Cultivation. Rigorous application yields the Three Promises:
- Effectual – tangible outcomes (reduced absenteeism, lower disability costs)
- Emotional – resilience-building resonance
- Economic – defensible viability and ROI
This recognition reinforces our commitment to providing merit-focused leaders with timeless, systems-level guidance for lasting organizational abundance – no ideology, no shortcuts.
Read the full profile here: IBTimes Feature
We welcome your thoughts – what organizational challenge are you working to solve right now?
#Humaculture #TopologicalModel #FeedTheSoilNotThePlant #CreatedValue #MeritBasedTalentCultivation #OrganizationalResilience
Beyond Pharmacology Alone: Integrative Soil Cultivation for Workforce Resilience
Above image: Modern industrial farming (pharmacology alone) can produce short-term results, but only as long as the constant chemical inputs continue. Stop the inputs and the plants quickly decline, because the underlying soil health was never built. Sustainable organic farming (integrative approach) cultivates rich, living soil that sustains healthy, nutrient-dense fruit even without constant intervention.
Part 4: Beyond Pharmacology Alone. Integrative Soil Cultivation for Lasting Chronic Condition Mitigation
February 20, 2026
By Humaculture, Inc.
This is the fourth in a 5-part companion series to ICSL’s analysis of post-COVID health trends and morbidity pressures.
- In Part 1, we examined the broad crisis of rising chronic conditions driving costs.
- In Part 2, we applied the Topological Model to variable-demand operations like trucking.
- In Part 3, we explored chronic surges across large workforces using actual employer data.
- Here, we build on these insights to examine why pharmacology alone falls short, and how an integrative Humaculture® Topological approach (“soil cultivation”) offers a sustainable, organic path forward.
While ICSL’s companion article, “Why GLP-1 Drugs Alone Aren’t Enough – The Case for Integrative Solutions,” highlights the limitations of a pharmacology-first mindset, Humaculture® focuses on the Organizational solution. We refine “soil” (Structure, Assets, Processes—the Organization Domain) to enable natural, lasting resilience and Created Value.
As a leader in health benefits, risk management, or workforce wellness, you’ve seen the promise of GLP-1 drugs. Impressive short-term weight loss. Better blood sugar control. Reduced cardiometabolic risks. Many hoped these medications would finally bend the curve on chronic disease burdens that drive medical claims, disability costs, and absence.
Yet the limitations have become clear: high dropout rates, substantial weight regain upon discontinuation, muscle loss, side effects, and access barriers. These issues persist because pharmacology-first approaches treat symptoms without addressing the root causes. The underlying causes (poor nutrition, sedentary lifestyle, and behavioral patterns), remain unaddressed.
The Limitation of Forcing the “Plant” with Pharmacology Alone
Many people instinctively reach for the newest pharmaceutical tool. They force the “plant” (People) toward outcomes despite depleted conditions. A pharmacology-first mindset is like painting over a mildewed wall. The problem is hidden in the short-term, but reappears quickly because the root cause was only masked. Unintended consequences emerge and natural defenses weaken over time.
GLP-1 drugs deliver impressive short-term results (Diabetes, Obesity and Metabolism 2022), but studies show discontinuation leads to rapid regain, often 50 to 100 percent of lost weight within 12 months (Rubino, JAMA 2022). Dropout rates run high, driven by side effects, cost, and access barriers (Rodriguez, JAMA 2022). Even sustained use carries risks like muscle loss (15 to 40 percent – ScienceInsights, 2025)and long-term risks (Healthhoper 2026).
Weight is just one piece of the puzzle. Elevated weight increases risk for cardiac and circulatory disease, neurological impairment, metabolic and digestive disorders, and many cancers. Yet pharmacology-first thinking treats symptoms rather than first supporting the body’s natural ability to restore health through nutrition, fitness, behavior, and prevention.
Temporary gains fade when the underlying “soil” remains poor. Short-term productivity comes at the price of sustained resilience. This mirrors trends where chronic conditions drive recurring claims, lengthened disability durations, and escalating costs.
Frustration grows as costs climb and workforce health continues to strain the business. You recognize that there must be a better way to manage our health costs. What if a more integrative approach could finally unlock the lasting resilience you’ve been seeking?
The Humaculture® Topological Model: A Practical Guide for Integrative “Cultivation”
The Humaculture® Topological Model gives leaders a clear, practical framework for this shift. It shows exactly where to refine the Organizational “soil” so People can thrive naturally and produce lasting Created Value. Three Domains interact without hierarchy:
| Domain | Challenges (Current State) | Success (Integrative Outcome) |
| Environment Domain | Rigid regulations, high drug costs, limited access to preventive care | Strong partnerships with vendors that prioritize integrative protocols and flexible plan designs |
| Organization Domain | Fragmented benefits programs, misaligned vendors, pharmacology-first defaults | Clear standards across all health, wellness, leave, disability, and workers’ compensation programs; every partner adopts integrative-first protocols (Food as Medicine, Exercise as Medicine); misaligned vendors are replaced |
| People Domain | Unaddressed personal distractions and low intrinsic motivation | Empowered, accountable Talent inclined toward health, with the tools and autonomy to perform at their best |
When leaders intentionally orchestrate these Domains through the Dynamic Matrix, the entire system becomes self-reinforcing. Resilient People produce sustainable Created Value cycle after cycle.
The Decisive Choice: Refine the “Soil” for Integrative Cultivation
Effective workplaces lay the foundation for lasting health and resilience in organizations facing chronic condition pressures. Families and Work Institute defines an effective workplace, and their research demonstrates that an effective workplace yields roughly twice-better health outcomes relative to low-effective workplaces, reducing chronic stress, fatigue-related risks, and claims severity while strengthening retention and engagement.
The turning point comes when the leader chooses intentional, integrative “cultivation” over pharmacology-first fixes. Instead of another drug-centric incentive or coverage expansion, they reallocate Assets toward merit-based Processes designed to attract and retain empowered Talent already inclined toward health. They establish clear standards and expectations across all health, wellness, leave, disability, and workers’ compensation programs and require every solution provider partner to adopt integrative-first protocols (Food as Medicine, Exercise as Medicine), ensuring full alignment and replacing any misaligned vendors that prioritize pharmacology-only approaches. Any vendor whose primary goal is adherence to prescription drug protocols is a clear red flag that they are not focused on improved health and should be replaced to ensure full alignment.
Resolution: Measurable Victory and Renewed Operations
Organizations that consistently feed the Organizational “soil” achieve balanced, lasting success. The resolution is measurable victory: higher People Health Quotient (PHQ) and Organization Healthful Quotient (OHQ), meaningful reductions in disability costs and absenteeism, stronger retention and engagement, substantially multiplied Created Value, and a renewed operation ready for the next cycle. Just as organic gardening produces fruit with significantly higher nutrient density, integrative health solutions is like “soil” cultivation (Organization Domain refinement) that yields resilient People who deliver superior, sustainable outcomes.
For leaders facing chronic condition pressures, the results include:
- Economic. Strong multi-dollar returns on investment. Meaningful reductions in medical and prescription drug spending, disability costs, and indirect disruptions. Easier recruiting of ideal Talent. Reduced turnover. Fewer recurring claims. Recovered productivity that directly protects financial stability.
- Effectual. Tangible risk reduction. Lower chronic disease progression. Decreased utilization severity. Faster recovery from health events. Measurable declines in the key post-COVID morbidity drivers.
- Emotional. Authentic resonance through merit-based recognition, constructive challenge, and mission alignment. This builds voluntary engagement and retention rather than dependency or resentment.
The outcome is multiplied Created Value. Higher retention. More productive teams. More stable operations. Reduced absenteeism and disruptions. The organization becomes self-reinforcing. Resilient People produce sustainable Created Value (“fruit”) cycle after cycle.
Next up, in Part 5, we’ll examine partnering to address chronic risk at scale. Companion to ICSL’s focused analysis.
Take the First Step
As a starting point, contact Humaculture® for a review of your medical, disability, workers’ compensation, and absenteeism data, mapped to the Dynamic Matrix. We’ll identify leverage points to cultivate resilience and Created Value in your unique terrain.
Read the companion ICSL article for the full view of why pharmacology alone isn’t enough. Join us in building organizations where People don’t just manage chronic risk. They flourish despite it.
Contact: Steve Cyboran at [email protected], Wes Rogers at [email protected], or Caroline Cyboran at [email protected]
Website: humaculture.com
LinkedIn: humaculture-inc
Humaculture® — Cultivate Organizations, Grow People.
From Underdog to Unbeaten Champions
Above Image: By Owen Graham for TDH / Original source: https://www.thedailyhoosier.com
Indiana Football’s Historic Run through the Humaculture® Topological Model
By Humaculture, Inc.
February 5, 2026
Imagine leading a program long counted out, yet transforming it into a national champion through intentional “cultivation” rather than force. In college football’s competitive landscape, where traditional powerhouses like Alabama and Ohio State have long held sway, the 2025 Indiana University (Indiana) Hoosiers achieved just that: one of the most extraordinary turnarounds ever recorded. Entering the season with the most all-time losses in Football Bowl Subdivision (FBS) history and long odds against them, the program completed a perfect 16-0 campaign, captured its first outright Big Ten championship in decades, earned its first No. 1 ranking, and claimed the national title with a 27-21 victory over Miami in the College Football Playoff (CFP) championship game. Quarterback Fernando Mendoza, the program’s first Heisman Trophy winner, led the charge with remarkable poise and production.
This achievement did not stem from fleeting talent or chance. It arose from a systematic approach to building a resilient, high-performing organization, closely aligned with the Humaculture® Topological Model. Guided by the maxim “feed the soil, not the plant,” the model treats organizations as interconnected living systems. Enriching the foundational “soil” (Structures, Assets, and Processes within the Organization Domain) creates the conditions for People to thrive and generate abundant Created Value.
Indiana Football’s season vividly demonstrates this principle in practice. Head coach Curt Cignetti focused on enriching the Organization Domain’s “soil” by refining Structures for clear accountability, strategically allocating Assets (including aggressive use of the National Collegiate Athletic Association (NCAA) Transfer Portal and Name, Image, and Likeness (NIL) opportunities ESPN profile on Cignetti’s scouting and recruiting approach), and tuning Processes like Cultural Nurturing and Performance Nurturing. The result was a dynamic, cyclical system that delivered the Three Promises: Effectual (tangible milestones and dominance), Emotional (deep team resonance and pride), and Economic (substantial increases in revenue from surging attendance, concessions, merchandise sales, and conference playoff proceeds Learfield report on revenue growth including 113% ticket increase).
A Program Facing Long-Term Challenges
The Hoosiers entered 2025 with a legacy of struggle: decades of mediocrity, only sporadic success in the Big Ten, and a recent 3-9 finish before Cignetti’s arrival. Preseason rankings placed them at No. 20 in the AP poll, with media projections in the middle of the conference and national title odds as long as 100-to-1 (or even higher earlier in Cignetti’s tenure). The external Environment Domain, shaped by NCAA rules (including the Transfer Portal), NIL opportunities, alumni resources, climate and weather impacts on scheduling and play, demanding “terrain” in away venues, and a grueling Big Ten schedule, presented real constraints. Many viewed their strong 2024 season (including a CFP appearance) as unsustainable given roster changes.
Yet these pressures became the catalyst for intentional “cultivation,” much like how challenging environmental conditions prompt a garden to adapt and strengthen its “soil.”
Pursuing Sustainable Excellence and Resilient Growth
The driving ambition was clear: build a program capable of consistent, high-level performance and lasting impact. This translated to prioritizing Created Value (game-changing offensive schemes, dominant defensive performances, and program-wide elevation) while fostering resilient People who could endure and excel under pressure through a culture of mutual support, high standards, and earned opportunity.
Cignetti’s approach drew on his proven emphasis on accountability, discipline, and a refusal to accept average performance (compilation of Cignetti’s key culture quotes). This supported Merit-Based Talent Cultivation, ensuring Equality of Opportunity where roles and contributions were earned through performance and fit (247Sports analysis of Cignetti’s production-over-potential transfer philosophy)
Transfers via the NCAA Transfer Portal (a database allowing student-athletes to notify their intent to switch schools, enabling coaches to contact and recruit them directly, similar to free agency rather than professional league trades) like Mendoza highlighted this: the right “cultivated” system does not “fix” people. It provides the “soil” for their inherent potential to thrive.
Navigating Pressure and Avoiding Common Pitfalls
As the season unfolded, challenges mounted against elite competition. A road victory at No. 3 Oregon (30-20) tested composure in a hostile environment. Later, a narrow 13-10 win over No. 1 Ohio State in the Big Ten Championship Game (Indiana’s first over the Buckeyes since 1988) highlighted the strengths of their merit-based culture based talent acquisition. The Hoosiers succeeded by avoiding shortcuts, such as bringing in talent that looked impressive on paper but didn’t fit the system’s merit-based culture and Processes, or relying on generic changes without deeper enrichment of the organizational “soil.” Instead, they invested in systemic strength that allowed inherent potential to flourish naturally.
Building Momentum through Team Cohesion
Throughout the campaign, the emotional tone shifted from past frustration to growing confidence and shared purpose. Players frequently credited the culture of mutual support and high standards for their ability to perform at peak levels.
Quarterback Fernando Mendoza embodied this transformation. As a lightly recruited prospect, he faced rejection from over 130 programs (no scholarships, silent inboxes, and even walk-on denials) before a late offer from Cal as essentially a roster filler. There, behind a struggling line and in a system that eventually prioritized another transfer, he endured sacks, losses, and limited opportunity.
Entering the Transfer Portal, many viewed Indiana as “career suicide” (the program with the worst record in FBS history). Yet Cignetti saw untapped potential, promising to build around making Mendoza the best version of himself. In this enriched environment (Merit-Based opportunity, seamless integration, and supportive Processes), Mendoza flourished with over 3,500 passing yards, 41 touchdowns, and a passer rating of 182.91. He delivered clutch plays (including a title-game fourth-quarter run through his hometown Miami defenders), won the program’s first Heisman Trophy (and the first for a Cuban-American), and led a 16-0 season.
His drive stemmed from deep Personal Characteristics: resilience forged by his mother’s long battle with multiple sclerosis, a refusal to accept “no” as final, and a focus on team over self. This resonance fostered the Emotional Promise, turning individual motivation into collective strength and pride.
The Decisive Tests: Relying on Enriched Foundations
The playoffs brought the ultimate pressure: dominant wins over No. 9 Alabama (38-3 in the Rose Bowl) and No. 5 Oregon (56-22 in the Peach Bowl), followed by a tense championship battle against No. 10 Miami. In these high-stakes moments, particularly the title game, again near Mendoza’s hometown roots, where his fourth-and-4 quarterback draw spun through defenders for the winning score, the system’s resilience shone through.
Rather than hierarchical overhauls or external pressure tactics, Cignetti leaned on merit-based Processes: flattened Structures for clear accountability, strategic Resource Allocation (leveraging NIL support and portal expertise), and strong emphasis on Cultural Nurturing for teamwork and Performance Nurturing for weekly refinement across Knowing, Wanting, Ability, and Capacity.
The Indiana defense, nationally leading with a +21 turnover margin, reflected this focus with timely plays and disciplined execution rooted in prepared, motivated players.
Measurable Triumph and a Foundation for the Future
The outcomes speak volumes: Indiana’s first national championship, first outright Big Ten title since 1945, first No. 1 ranking, and the first 16-0 season in the modern FBS era (matching Yale’s 1894 mark under different rules). Key metrics included exceptional efficiency and minimal costly errors, signaling reduced “disability costs” (injuries, turnovers) and strong retention.
This delivered the Three Promises in full:
- Effectual: Road upsets (first-ever at Penn State), playoff dominance, and ultimate victory.
- Emotional: A culture of support and pride with players describing joy and purpose in the journey.
- Economic: Substantial revenue growth from surging attendance (including reported 113% increase in football ticket revenue), concessions, merchandise, and playoff proceeds Learfield partnership report, positioning the program for ongoing financial strength.
For leaders in any field, Indiana’s story underscores a core truth: prioritize enriching the “soil.” Adapt to your Environment, cultivate the Organization Domain through intentional Processes, and empower People to flourish. Apply the Dynamic Matrix’s cyclical interactions, embrace Merit-Based Talent Cultivation for Equality of Opportunity, and sustainable growth follows naturally.
Contact: Steve Cyboran at [email protected], Wes Rogers at [email protected], or Caroline Cyboran at [email protected]
Website: humaculture.com
LinkedIn: humaculture-inc
Cultivating Resilience: Organizational “Soil” Health in an Era of Chronic Risk
Above Image: Bent by winds, unbroken by storms. Holistically addressing chronic health condition costs.
Part 1: Rising Chronic Health Conditions Costs – Feeding Organizational “Soil” to Build Sustainable Resilience
January 22, 2026
By Steve Cyboran, Humaculture, Inc.
This is the first in a 5-part companion series to ICSL’s analysis of post-pandemic mortality and morbidity trends driving chronic health conditions costs. While ICSL illuminates the clinical and industry pressures deepening in 2025, Humaculture® offers the organizational framework for sustainable solutions—cultivating resilient “soil” (Structure, Assets, Processes) so People naturally thrive and produce Created Value.
As a leader of an insurance organization or an employer-sponsored benefits program, you are navigating an era where chronic health risks have moved from background concern to the primary driver of escalating costs. Throughout 2025, the burdens of chronic health conditions costs were unrelenting. Rising medical claims and stop-loss events. Prolonged disability durations. Increased accident severity. Elevated absenteeism and presenteeism. Workforce disruptions, customer service gaps, and lost productivity. As detailed in the companion analysis from ICSL, “The Insurance Crisis Deepens – 2025 Earnings and Chronic Disease Pressures,” the root drivers trace to five persistent post-COVID categories (Cardiac & Circulatory, Nervous & Neurological, Metabolic & Digestive, Cancer, and External causes) that continue to elevate morbidity, utilization, and both direct and indirect costs.
Traditional responses proved insufficient. Rate increases. Benefit restrictions. Siloed wellness apps. They treated symptoms while the underlying conditions persisted. Leaders felt the frustration. Short-term fixes delivered diminishing returns. Talent retention suffered under chronic stress. Created Value eroded as health-related disruptions compounded.
But what if the most powerful leverage point lies not in the claims data alone, but in the organizational “soil” that shapes human resilience day after day?
The Escalating Chronic Health Conditions Costs
The chronic health conditions costs employers and insurers face are not just financial. They disrupt service delivery, safety, and stability. Many organizations instinctively reach for direct incentives or punitive measures, which essentially attempts to force the “plant” (People) to perform despite less than ideal conditions. Generic wellness programs, often delivered through yet another standalone app that adds to employee fatigue, yield modest results at best. Research shows that less-integrated initiatives quickly lose adherence when they conflict with daily workflow. Brief, embedded routines maintain strong participation and deliver meaningful outcomes.
Temporary periods of constructive challenge (such as focused, time-bound intensity during critical projects) can build deeper resilience, much like a seasonal drought prompts roots to grow stronger and access deeper nutrients. When balanced with adequate recovery, these challenges foster long-term adaptability and strength.
In contrast, chronic extreme hours (unrelenting demands without sufficient recovery) turn constructive stress into toxic overload. The cost is clear: elevated burnout, family incompatibility, and depleted long-term resilience. Short-term gains come at the price of sustained health, mirroring the trends where delayed screenings and chronic stressors drive higher claims severity and indirect costs.
The difference lies in consistently feeding the “soil” – enriching Processes to enable natural, sustainable growth.
The Humaculture® Topological Model: A Mentor for Sustainable Cultivation
The Humaculture® Topological Model provides leaders with a proven framework. The Dynamic Matrix. Three Domains (Environment, Organization, People) interact fluidly without hierarchy to foster purposeful Value Creation.
- Environment Domain: The broader terrain (Rules, Natural Resources, Community) that sets external conditions.
- Organization Domain: The cultivated “soil” – Structure (governance, workflows), Assets (financial, physical, intangible), and Processes (Strategic Planning, Resource Allocation, Skill Development, Community Engagement, Cultural Nurturing, Performance Nurturing).
- People Domain: The “plants” – Personal Characteristics, Skills/Training/Education/Experiences, and Created Value (innovation, productivity, service delivery).
Processes are the enabling layer that turns resources into sustained growth. Performance Nurturing, for example, addresses four Areas of Focus – Knowing (what to do), Wanting (motivation), Ability (removing barriers), and Capacity (bandwidth) – to drive lasting behavior change. When purposefully designed and resourced, these Processes nurture Well-being (health and resilience) as the precursor to abundant Created Value.
In the context of today’s chronic risk pressures, this means shifting from reactive cost management to proactive “soil” enrichment:
- Brief daily routines with high adherence have been shown to substantially reduce disability days and pain levels.
- Deeply integrated workplace resilience programs, with strong leadership, resonating strategy, support to empower behavior change, and aligned workplace policies, deliver strong multi-dollar returns on investment, with meaningful improvements in health, reductions in absenteeism, and corresponding lower medical spending and claims severity.
- Optimized return-to-work support, when embedded in broader resilience Processes, significantly shortens disability durations, producing high ROI.
HARS™ (Health, Absence, Resilience Support) operationalizes this within the Matrix. It substantially reduces short-term disability and workers’ compensation duration and delivers measurable outcomes across health, absence, and productivity.
The Decisive Choice: Enrich the “Soil”
The turning point comes when the leader chooses cultivation over coercion. Instead of another benefit restriction or standalone initiative, they reallocate Assets toward merit-based Processes: embedding early biometric feedback in Performance Nurturing, flattening unnecessary hierarchy for faster decision cycles, and aligning Cultural Nurturing with mission resonance.
This is not entitlement. It is Equality of Opportunity. Well-tended “soil allows resilient Talent to thrive according to their ability to utilize the conditions provided.
The Resolution: The Three Promises Delivered. Starting with Economic Viability
Organizations that consistently feed the organizational “soil” achieve balanced, lasting success. For leaders managing benefits programs or insurance risk in today’s environment, the results begin with a clear Economic payoff with substantial containment of chronic health conditions costs:
- Economic: Defensible, actuarial-grade ROI. Comprehensive, deeply embedded resilience programs deliver strong multi-dollar returns on investment, with meaningful reductions in absenteeism, medical spending, disability costs, and indirect disruptions. Leaders often see meaningful improvements in employee resilience leading to corresponding reductions in medical costs, fewer catastrophic events, reduced workforce turnover, and recovered productivity that directly protects financial stability.
This economic viability is sustained and amplified by the other two promises:
- Effectual: Tangible risk reduction – lower chronic disease utilization, decreased accident severity, faster return-to-work, and measurable declines in the key post-COVID morbidity drivers.
- Emotional: Authentic resonance through merit-based recognition, constructive challenge, and mission alignment. This builds voluntary engagement and retention rather than dependency or resentment.
The outcome is multiplied Created Value. Higher productivity. Lower absence and presenteeism. More stable staffing. Reduced indirect costs (customer service disruptions, safety incidents, operational delays). The “garden” becomes self-reinforcing. Resilient People produce sustainable fruit cycle after cycle.
Next week, in Part 2, we’ll examine how trucking organizations are applying these same principles to address driver health, shortages, and safety risks. Companion to ICSL’s focused analysis.
Take the First Step
As a starting point, contact Humaculture® for a review of your medical, disability, workers’ compensation, and absenteeism data, mapped to the Dynamic Matrix. We’ll identify leverage points to cultivate resilience and Created Value in your unique terrain.
Read the companion ICSL article for the full diagnostic of 2025 trends. Join us in building organizations where People don’t just manage chronic risk. They flourish despite it.
Humaculture® — Cultivate Organizations, Grow People.
LinkedIn: humacultureinc
Introducing Our New Series: Cultivating Resilience Amid Rising Chronic Health Conditions
Above Image: Focused on Resilience.
January 22, 2026
By Humaculture, Inc.
The pressures are unrelenting. Rising chronic health conditions drive escalating costs. Medical claims. Disability durations. Workforce disruptions. Operational strain.
ICSL has launched a powerful 5-part series diagnosing these post-pandemic realities across insurance, employer benefits, and high-risk industries like trucking.
We at Humaculture® are proud to publish a companion series. We focus on the organizational path forward. Cultivating resilient “soil” (Structure, Assets, Processes) so People thrive and produce sustainable Created Value.
Our articles publish every Thursday.
Here is the full lineup:
- Rising Chronic Health Conditions Costs: Feeding Organizational “Soil” to Build Sustainable Resilience (Live now – companion to ICSL’s insurance crisis analysis.)
- Chronic Health Risks in High-Variability Operations: Cultivating “Soil” Resilience in Trucking and Beyond (Live now – companion to ICSL’s Trucking Industry Health Crisis.)
- Chronic Condition Surges and Workforce Impacts: Enriching Organizational “Soil” for Population Resilience (Live now – companion to “Real Employer Impacts – Post-COVID Disability and Cost Surges“)
- Beyond Pharmacology Alone: Integrative “Soil” Cultivation for Lasting Chronic Condition Mitigation (Live now – companion to “Why GLP-1 Drugs Alone Aren’t Enough – The Case for Integrative Solutions“)
- Partnering to Address Chronic Risk at Scale: Aligning Forward-Living Protocols with Organizational “Soil” Health (Thursday, March 17)
ICSL provides the clinical and industry diagnosis. Humaculture® delivers the framework to turn insight into action. Balanced outcomes across the Three Promises. Economic viability through reduced costs. Effectual risk reduction. Emotional resonance that builds engagement.
Leaders in insurance, benefits, transportation, and operations—this series is for you.
Follow us on X @HumacultureInc. and LinkedIn. Share with colleagues facing these challenges.
Ready to explore how the Humaculture Topological Model applies at your Organization? Contact us for a review of your Organization or program performance.
Read Part 1 today. Join us Thursdays.
Steve Cyboran – [email protected]
Wes Rogers – [email protected]
Caroline Cyboran – [email protected]
#ChronicHealth #OrganizationalResilience #Humaculture #HARS™ #CreatedValue
Hidden Opportunities, A Strategic Compliance Series
Hidden Opportunities Overview
In this webinar series we explore ways organizations can go beyond basic compliance and improve their “organizational soil” through a strategic response to the No Surprises Act and the Transparency in Coverage regulations. Our goal is to help organizations create a competitive advantage. Does it make sense to expend limited resources to merely comply with the law and regulations, or is there a way to strategically “design the compliance away” while differentiating the employee value proposition?
For example, a knowledgeable horticulturist may use the high temperatures of the summer season, which are a normal part of the environment just as law and regulation are a normal part of the business environment, to solarize the soil. This is a low cost and simple process of spreading a plastic sheet over an area of soil to trap and intensify the sun’s energy. It is a process that works well to destroy weed seeds and pathogens. Similarly, a knowledgeable Humaculturist® can employ techniques to leverage laws and regulations to strategically improve the organization. This webinar series seeks to identify some of these techniques.
The topics from the series include:
| Hidden Opportunities: No Surprises Act |
| Surpassing Mere Compliance – Including Reference Based Pricing |
| Preserving the Harvest…Leveraging HSAs |
| Hidden Opportunities: Transparency |
| A “Dope” Response to Pharmacy Transparency |
| Mental Health Parity…A Lucid Approach |
| Pest Management, Minimizing Plan Losses through Fee Disclosure |
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes experts in organization design, actuarial science, clinical, and legal can guide the process to achieve optimal behavior. Please contact us.
Trends in Diabetes and Excess Mortality – CEO Interview
Read about Humaculture’s CEO’s, Steve Cyboran, ASA, MAAA, FCA, CEBS, interview with Life Annuity Specialist featured in Diabetes is Killing More Americans Than Ever Before. Steve explains the trends in diabetes over the last 40 years. The rate of diabetes almost quadrupled from around 3% in the 1980s to 11.3% in 2023. Deteriorating health is a contributing factor to the trends in diabetes, which leads to elevated health costs, disability rates, and mortality.
The good news is that there is quite a bit insurance carriers and employers can do to stem the tide and help People become healthier to the benefit of the insured and the Organization’s bottom line. Contact us to discuss how.
Available Support
We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: [email protected].
Strategies to Reduce Total Cost of Care, in Search of the Holy Grail
Come see our presentation at the Houston Business Coalition on Health (HBCH) conference on Thursday, December 8 for Strategies to Reduce Total Cost of Care, in Search of the Holy Grail.
See Our CEO Present at HBCH
Presenter: Steve Cyboran, ASA, MAAA, FCA, CEBS, Humaculture, Inc. CEO presents with Ray Fabius, MD, Co-Founder and President of HealthNEXT
Fee: Free for employers not in health services (use link below)
Time: Thu, Dec 8, 2022, 1:00 PM – 1:50 PM CST
Topic: TCoC Reduction Through Organizational Culture
Location: 6100 Main St, 77005 (Rice University Bioscience Research Collaborative)
