Nick Tom
Principal Mercer Marsh Benefits @Mercer
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WORK HISTORY
Principal Mercer Marsh Benefits @Mercer
Ottawa, ON, CA
Advise plan sponsors on the long-term financial sustainability of employee benefit programs using an actuarial risk management lens• Quantify and manage medical, drug, and disability trend drivers — including utilization patterns, demographic shifts, specialty mix, chronic disease prevalence, and evolving cost dynamics• Apply sociodemographic and population health insights to inform plan design and targeted risk mitigation initiatives• Lead multi-year financial strategy, budgeting, renewals, and insurer negotiations for mid- to large-market clients• Model volatility, pooling thresholds, and stop-loss strategies to support funding optimization• Translate actuarial analysis into clear executive decision frameworks for CFOs and HR leadership• Lead consulting teams and oversee complex client engagements
EDUCATION
Concordia University
Bachelor’s Degree, Actuarial Mathematics
SKILLS
ABOUT NICK TOM
I help organizations balance workforce needs with long-term financial sustainability. I leverage actuarial modeling, sociodemographic insights, and risk analysis to guide multi-year strategies, plan design, funding, risk transfer and targeted interventions.I partner with mid- to large-market clients to navigate cost volatility and translate complex data into actionable decisions for executives. I also lead consulting teams, overseeing complex client engagements and mentoring colleagues to deliver strategic outcomes.
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