About Us

EBPA was originally founded in Hampton, New Hampshire in June 1963, where it began marketing and administering medical plans.

With rapid and continued growth, EBPA began expanding its product lines to a suite of reimbursement accounts and business solutions including; COBRA, Retiree Billing, Flexible Spending Accounts, HRAs, Parking/Transit, and Tuition and by 1988 EBPA was a full-service TPA for ancillary and reimbursement accounts.

Through the years, EBPA has maintained an excellent reputation in the marketplace and is known for its unparalleled dedication to customer service. As a one stop shop TPA, EBPA is more than an administrator, but a one roof benefit solution for all your healthcare and benefit needs.


Our Team

David Pagniucci – President

Mr. Pagniucci, prior to joining the Third-Party Administration industry, was the CEO of Springfield Hospital in Springfield Vermont, Northern Maine Medical Center, in Fort Kent, ME.  His experience in the hospital field has served EBPA clients very well as most health plan dollars go to doctors and hospitals and the intricacies of provider payments are well known to Mr. Pagniucci.
David was born and raised in Chicago, Illinois, and is a 1974 graduate of the University of Illinois, Chicago, with a BA.  He also received his MBA from Loyola University of Chicago in 1979 with a Finance concentration.  David is a Fellow of the American College of Healthcare Executives (FACHE) and a Fellow of the Healthcare Financial Management Association (FHFMA).

Jim Allen – Chief Financial Officer

Jim Allen joined EBPA as Chief Financial Officer in March 2009.  In this position, Jim is responsible for overall financial strategy at EBPA.  In finance, he is responsible for and guides financial operations, controllership, and treasury functions to meet our clients’ and owners’ expectations.

Prior to joining EBPA, Jim has served as chief financial and administrative officer in businesses covering a range of industries including private equity, manufacturing, distribution, and commercial finance.  Jim began his career in the audit and assurance practice of PricewaterhouseCoopers during which he earned his CPA certification.  

Jim holds a Bachelor of Science in Business Administration from Manhattan College.

Matt Ferguson – Vice President of Core Services and Strategy

After serving in several positions within the organization since 1997 (including Customer Service Supervisor, Claims Manager and Director of Implementation/Product Development), Matt currently serves as the Vice President of Core Services and Strategy.  With a demonstrated history of more than 25 years in the self-funded insurance industry, his primary focus is to ensure all activities are appropriately integrated into strategic direction and operations. 

He holds an undergraduate certificate in Management, a Bachelor of Science in Business Administration w/conc.  Organizational Leadership (Summa Cum Laude) from Southern New Hampshire University, and an executive miniMBA™ from Bentley University.


Chris Cassino – Vice President of Information Technology and Chief Information Security Officer

Chris joined EBPA in 2019 as IT Manager of Infrastructure and Security. Chris brings over 20 years of experience in healthcare IT operations, including systems, networking, strategic planning, process improvement, leadership, and security.

He was promoted to Vice President of IT Chief Information Security Officer in early 2021.

In his spare time, Chris enjoys relaxing with his family, vintage automobiles, and outdoor activities.


Jim Fricchione – Vice President of Sales & Client Services 

Jim was brought in to run both sales and client services for EBPA. He’s been in various leadership positions with national insurers for over 20 years.  During that time, he led teams through dramatic market expansions in Massachusetts, California, New York, North Carolina, Ohio, and now New Hampshire. 

He earned his B.S. degree from Westfield College in Psychology and Business and was awarded a Registered Health Underwriter (RHU) certification.

In his spare time, Jim volunteers on several local town boards, including serving as Chairman of the Board of Trustees for the Windham Academy Public Charter School. 

He currently lives in Windham, NH with his wife and three young children.


Josh Swiecicki – Director of Human Resources and General Counsel

Josh recently joined EBPA in the summer of 2018 and specializes in all matters related to strategic-decision making, business development, compliance, contracts, and the organization’s workforce.  Josh establishes internal policies and training programs; leads talent acquisition; and collaborates with other departments regarding employee development.  

As the organization’s in-house attorney, Josh manages and updates the Company’s transactional resources; supports the sales team with executing service agreements; oversees internal procedures applicable to the Affordable Care Act, COBRA, ERISA and HIPAA; and assists the claims team with general legal inquiries.  Josh’s exposure to the healthcare industry began after graduating law school by representing individuals applying for Social Security Disability benefits.   Josh then expanded his compliance, contracts, and employment law experience as an HR Director and in-house attorney for a startup biotech organization in the greater Boston area. 

Josh earned his J.D. (cum laude) from New England Law | Boston and his B.A. (magna cum laude) from the University of Massachusetts.

Jessica Hier – Director of Financial Operations 

Dedicated, passionate, and dependable are three things that help define Jessica Hier, the Director of Financial Operations at EBPA. Mother, Master of Business Administration, Coach, and wife are just a few other monikers that Jess is known by.  

Acquiring a bachelor’s degree in Business Administration, with a concentration in Professional Accounting in 2009 and beginning her career with EBPA in 2010, Jessica quickly excelled through the ranks. She expanded her knowledge by then working towards her master’s degree while holding down her teams both at work and at home where she has a caring, supportive husband and two beautiful children.  

The work-life balance would not be complete with a little fun time. After being a varsity cheerleader for Essex High School (Go Hornets!), Jessica went back to help coach her alma mater to a state championship title. Interesting side note: she currently holds an NFHS Level 1 National Certification for coaching and still volunteers her time with a cheer team at her local high school. 

In any spare time, she is able to find, Jessica can be found skiing down Lincoln Peak, getting fit with a Zumba class, or relaxing with a good book or some yoga.

Brenda Cubit – Director of Claims & Customer Service

Prior to employment with EBPA, Brenda worked as a Medical Office Assistant, holding an Associate of Science Degree in that field.  

Brenda joined EBPA in October 1998 as a Claims Examiner. After mastering that task, Brenda was promoted to Claims Auditor at which time, she then attended a “Coding Training Bootcamp” where upon successful completion of the exam, became a Certified Professional Coder.  

As EBPA expanded, Brenda was tasked with training new employees and implemented a training program as the company’s Training Coordinator.  From there, Brenda was promoted to Claims Supervisor and eventually Claims Manager. 

After a short leave, Brenda returned to EBPA and continued working on multiple operational projects and moved into the position of Project Manager. Continuing to be heavily involved in implementation and operational projects, Brenda quickly became a resource for all departments.  As EBPA grew further, Brenda was promoted to Director of Claims and Customer Service.

Kelly Merrill – Director of Stop Loss 

Prior to EBPA, Kelly worked with Stella Foods, Dynapower and other VT employers, working in HR and Benefit management.  

Joining our team in 1995, Kelly held various positions in the sales and marketing department before coordinating the development of our Stop Loss Marketing team where she organized the underwriting of Excess Loss coverage with preferred markets as our Marketing Manager. 

After serving as Manager through this major growth period, Kelly was promoted to Director of the Stop Loss and Marketing in 2016. 

Kelly earned her AS in Business Management at Champlain College.