We Are People Risk
Reimagining how employers protect their people and their purpose.
At People Risk, we align strategy with humanity—helping organizations thrive
where people, performance, and protection intersect.
Our Vision
To help employers turn complexity into clarity—and risk into opportunity—by aligning people, performance, and protection.
Our Mission
To help employers navigate growing workforce complexity, rising health benefits costs, and an increasingly volatile risk environment—all with greater clarity, alignment, and control.
Who We Are
People, Benefits, & Risk
Our Approach
People Risk Management Inc. is an independent human capital and risk management advisory firm. We believe better business outcomes begin with integrated strategies across people, benefits, and risk.
We bring deep expertise across human resources, health and employee benefits, and business insurance to deliver tailored guidance, strategic solutions, and ongoing support. Our work helps organizations strengthen workforce resilience, improve performance, and manage cost and risk more proactively.
Why We Exist
Our strength lies in our multidisciplinary team—seasoned experts who understand the realities employers face today.
Human capital and risk management are changing faster than ever. Emerging technologies, new funding strategies, and growing compliance pressures are transforming how organizations manage people, benefits, and enterprise risk. Yet too often, these functions operate in silos—leaving employers to navigate a maze of disconnected systems and rising costs on their own.
At the same time, industry consolidation and private equity influence have shifted many brokerages away from client advocacy.
We launched People Risk to do things differently—to restore independence, transparency, and trust. As an advisor-led firm, we’re free to think differently, act objectively, and put our clients first.
What We Do
Integrated People + Risk Solutions
We deliver holistic strategies across the full spectrum of people and business risks, including:
Human resources consulting
Health and employee benefits
Retirement planning
Workers’ compensation
Cyber risk management
Strategic risk assessment and analytics
By connecting these areas into a unified strategy, we help clients reduce complexity, improve well-being, and stay ahead of emerging risks.
Our Focus
People and Risk at the Core
Empowering Organizations Through People-Centered Risk Management
People are an organization’s greatest asset, largest investment, and a significant source of risk. We help businesses align their people and risk strategies to protect their teams, manage costs, and build stronger, more resilient organizations. We advocate fiercely and deliver objective, expert guidance to support long-term success.
Human capital is evolving.
So should the way we manage risk.
We help employers adapt with clarity, innovation, and purpose.
Why Choose Us
Independent. Unbiased. Client-First.
As an independent firm with no carrier or private equity ownership, we are uniquely positioned to:
Deliver impartial advice aligned to your goals
Access diverse carrier solutions for greater flexibility
Negotiate better terms and pricing on your behalf
Provide ongoing support—from strategy to claims resolution
We believe employers deserve real advocacy, full transparency, and the expertise to make confident decisions.
Our Expertise
Navigating Today’s People + Risk Challenges
Our team brings cross-functional knowledge to help clients:
- Evaluate program performance and risk exposure
- Design and implement mitigation strategies
- Optimize insurance structure and cost
- Leverage analytics to drive smarter decisions
Who We Are at the Core
People and risk management aren’t just what we do—they define who we are. Our name reflects our commitment to aligning these critical areas to help employers build healthier, high-performing organizations.
Let us help you align your people and risk strategies for a stronger, more resilient future.
Strengthen your workforce. Let’s build what’s next—together.
Our Core Values
Passion with Purpose
We’re driven by a genuine commitment to people and a belief in doing work that matters.
Unwavering Integrity
We act with honesty and transparency—always.
Client-Centric Focus
Your goals are our priority. We advocate with care and deliver tailored solutions that help your people thrive.
Service Excellence
We hold ourselves to the highest standards, ensuring exceptional quality and responsiveness at every step.
Innovative Spirit
We challenge the status quo, embracing fresh ideas and smarter ways to solve complex challenges.
Collective Impact
We believe in teamwork and the power of collaboration to create lasting results.
Community Commitment
We give back and invest in the places where we live and work—because strong communities support strong people.
Relentless Improvement
We’re always learning, evolving, and improving the value we deliver to clients, partners, and each other.
Leadership
Jim Arellano
Founder & CEO, People Risk
Jim Arellano is the Founder and CEO of People Risk, with over 30 years of leadership in health benefits, risk management, and human capital strategy. He’s held senior roles at UnitedHealth Group, Blue Shield of California, Marsh McLennan, and led business development at PPN Health.
Jim launched People Risk to help employers take a more strategic, integrated approach to managing workforce complexity, rising health costs, and evolving risks. A longtime advocate for employers and employees, he brings deep expertise in cost containment, virtual care, analytics, and cyber risk—guided by a clear mission: to align people, benefits, and risk strategies for better outcomes.
Advisory Board
Greg Franklin
Founder & CEO, People Risk
Greg Franklin brings more than 25 years of leadership experience across public service, private enterprise, and entrepreneurship in health, human capital, and risk management.
He has held senior roles in California state government, including Assistant Secretary of Health Information Technology, Deputy Director of Health Care Operations for Medi-Cal, and Assistant Executive Officer at CalPERS, where he directed the purchase of health coverage for 1.5 million members—over $5 billion annually. He also served in multiple deputy director roles at the California Department of Health Services, leading statewide initiatives in health information, strategic planning, multicultural health, and public health statistics.
In the private sector, Greg led Optum’s State Government Solutions Western Region as Vice President of Business Development, where he closed more than $100 million in healthcare technology and services contracts. He is also the co-founder of ASD.ME, an innovative healthcare technology company leveraging AI and telehealth to transform autism spectrum diagnostics and improve access for families nationwide.
Greg retired from the United States Air Force Reserves after more than 25 years of service as a Health Administrator. He holds a B.S. in Business Administration from California State University, Sacramento, and a Master’s in Health Administration from Golden Gate University.
Marios Gregoriou
Founder & CEO, People Risk
Marios Gregoriou brings over 40 years of global finance and investment experience, spanning roles in Norway, New York, San Francisco, and Sacramento. After beginning his career at the Union Bank of Norway, he held positions in international trade, futures trading, and wealth management at Morgan Stanley, before founding Elite Capital Services, LLC to offer personalized, client-focused financial guidance. Marios holds an MBA in Finance from UC Davis and a B.S. in Economics from the Athens School of Economics and Business. A seasoned global traveler and frequent guest speaker, he offers unique insight into the intersection of international markets and U.S. economic strategy.
Empowered people. Protected business. Smarter outcomes.
Strengthen your workforce. Let’s build what’s next—together.
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Deloitte Human Capital Trends Report