Armando Castro exemplifies health plan excellence and stewardship.

Health Rosetta recognizes the top health plans in America at the annual Rosie Awards. The Rosie Awards recognize high-value, low-cost health plans from employers and unions across the U.S.

Rosie Award winners are chosen from plans recommended by benefits advisors, solution providers, or clinical leaders who meet two important criteria: a high Plan GraderTM score and excellent use of their Health Rosetta Dividend.

The Plan Grader™ is the first comprehensive independent plan assessment to measure and improve your health plan strategy. Plan Grader is an independent 360° health plan risk assessment that provides actionable insights to create an effective 2-3 year strategy to lower costs and improve benefits. Plan Grader is built on the Health Rosetta’s eight components that have been modeled on the successes of hundreds of high-performance plans. Employers and unions can evaluate how their health plan benchmarks to other employers or union plans adopting a Health Rosetta-style health plan. Reach out to Armando Castro to get your Plan Grade today.

Health Rosetta Dividend refers to the well-documented over $1 trillion of industry waste that can be reinvested back into an organization or community to improve wellbeing and build the foundation to restore the American Dream. Examples of Health Rosetta Dividend reinvestment include free college education, advanced primary care services, free or subsidize healthy food, pay increases, Dream Manager, $0 medications, or other tangible improvements that have a direct impact on the health and wellbeing of their workforce, dependents, and communities.

armando-castro

Armando Castro

VP of Employee Benefits

SullivanCurtisMonroe
acastro@sullicurt.com
949.852.5744

Health Rosetta Advisor since 2026

Armando Castro is Vice President of Employee Benefits at SCM, bringing over 14 years of specialized experience in employee benefits consulting. He began his career at a top-ten national insurance firm, where he developed foundational expertise in insurance brokerage before moving on to SCM.
Armando’s professional journey also includes roles at Citi Group, WFS, Wachovia, and Goldman Sachs. As a business consultant, he helped companies improve profitability and operational efficiency by identifying key areas for improvement and implementing strategic solutions. His expertise enabled organizations to streamline processes, reduce costs, and maximize financial performance.
This diverse background provides Armando with a well-rounded perspective on the employee benefits landscape, empowering him to deliver comprehensive consulting, brokerage, communication, and administrative solutions tailored to the needs of middle-market group insurance clients.
At SCM, Armando has played a pivotal role in promoting the company’s value proposition and resources to the Southern California business community. His commitment to professional growth is highlighted by his attainment of the Certified Self-Funding Specialist (CSFS) designation from the Health Care Administrators Association, reflecting his advanced knowledge of self-funded benefit models.
Armando remains actively engaged in the industry as a member of organizations such as the Orange County Employee Benefits Council, PIHRA, and OC-ALA, ensuring he stays current with industry developments and best practices. He resides in Capistrano Beach with his wife and three children and is dedicated to helping businesses design and manage competitive, compliant, and cost-effective employee benefits programs.

  • Shares data, strategies, or results openly with other employers or community groups
  • Actively mentors peer employers/advisors to replicate their model
  • Invites employees or family representatives into benefits governance/committees
  • Industry: IT Services
  • # of Employees: 459
  • Location: California
  • Eliminated employee deductibles and/or copays
  • Reduced employee payroll contributions or premiums
  • Strengthening the company (E.G., R&D, improving facilities, strategic initiatives, creating reserves, etc)
  • TPA: Imagine360
  • PBM: Liviniti (Formerly Southern Scripts)
  • Stoploss: Aldwyn Re
  • PrimaryCare: N/A
  • Individual Stewardship: Multiplan (PHCS); Imagine360
  • Other Solutions: N/A
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