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Turner Consulting, established in 1995, is a full-service employee benefit consulting firm specializing in benefit program strategic planning and actuarial services. Following are some of our competitive advantages:

Strategic Perspective

As both an actuarial and a benefit consulting firm, we understand the big-picture health care issues facing employers.  This helps us bring proactive and customized advice to our clients in both strategic and technical subjects.  It also assists in client/carrier negotiations, since we can identify technical issues that offer broader strategic negotiation leverage.

Track Record of Successful Financial Results

All of Turner Consulting’s self-funded clients are fully funded for claims, expenses, IBNR reserves, and claim fluctuation margin. We helped our clients attain this status through responsible actuarial risk management, rating, and reserve setting practices. All fully insured clients’ rates are set at fair and reasonable levels based on claim experience and technical indicators rather than insurance company norms.

Communication Skills

Unlike many actuaries, our strength is verbally communicating complex topics to people who don’t work with numbers and/or insurance concepts every day. This helps executive management understand the implications of our analysis, it helps clients work well with employees, and it helps the audience grasp complex insurance topics more fully.

A Team of Professionals

All members of our team have between 15 and 30 years experience for greater perspective and insight in everyday activities.

Compensation Independence

Turner Consulting does not accept commissions, overrides, or any other type of incentive so our clients receive independent analysis and advice.


Strategic Consulting Services

• Strategic Direction Planning
• Insurance Coverage Plan Design Ideas
• Joint Labor-Management Facilitator and Professional Resource

Actuarial Services

• Financial Performance Appraisal
• Self-funded Premium Rate Development
• Employee Contribution Pricing
• Claim Utilization Analysis

Vendor Relationship & Performance Management

• Carrier Marketing and Recommendations
• Rate Negotiation
• Ongoing Relationship and Performance Management
• Contract and Document Review



Public & Private Organizations

Apigee (San Jose, CA)
City of Long Beach, CA
City of Palmdale, CA
City of Tracy, CA
Idaho National Labs
Mendocino Lake Community College
Monterey County
Morrison Maierle
Orland Unified School District
Santa Barbara County
Santa Clara County
Stanislaus County
State of Montana
Washington Hospital (Hayward, CA)

Public Agency Self-Funded Pools

California Association of Counties (CSAC) EIA Health
Montana Association of Counties
Montana Municipal Insurance Authority
Timber Products Healthcare Trust

Managing Partner

David Turner

David Turner, FSA – Account Manager, Consultant, Actuary

David Turner’s experience includes over 25 years of helping employers achieve benefit program objectives. Mr. Turner is a Fellow of the Society of Actuaries (FSA). He is the owner of Turner Consulting and Actuarial LLC, which has been in business since 1995.

Prior to forming Turner Consulting, David held positions as a managing consultant and actuary for Hewitt Associates, KPMG Peat Marwick, and Aetna Health Plans in the San Francisco Bay Area. He has worked with many of the largest public and private companies on the West Coast. David’s experience ranges from high-level strategic planning and benefit program design, to detailed actuarial analysis, underwriting, flexible benefit pricing, and multiple-year cost projection.

As a Fellow of the Society of Actuaries (FSA), Mr. Turner has completed both the mathematical portion of the actuarial training required to be an Associate, as well as the business systems and economic principles courses required to be designated a Fellow (many actuaries only train to the Associate level since it is the minimum necessary to practice). He has been a healthcare actuary for his entire career, focusing exclusively on health and welfare benefit issues.

David has been a guest lecturer/speaker to the University of California, Northern California Employee Benefits Council, San Francisco Actuarial Club, California Emergency Physicians partnership, and other organizations. He has drafted articles and been quoted regularly on flexible benefits and other topics in industry publications.

Mr. Turner attended the University of Notre Dame, B.S. 1986 and earned his designation as a Fellow of the Society of Actuaries (FSA) in 1993.

Contact Us

Our Address:

Turner Consulting
3000-F Danville Boulevard, #156
Alamo, CA 94507

Phone/Fax: (877) 496-1782

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