Our Leadership Team

Teri has over 15 years of experience in health and welfare plan strategy, design, pricing, and implementation. She also works with absence management programs, including disability, family medical leave and leave of absence tracking. Her areas of expertise have allowed her to work with diverse employers and vendors to streamline processes and programs to meet the needs of insurers, administrators, employers and employees. Prior to joining Spring, Teri worked with Watson Wyatt, Buck Consultants and AON Consulting.

Teri earned a BS at the University of Connecticut and an MBA at the University of Massachusetts. She is a licensed broker in the states of MA and CT, has ACI and PMP certifications and is on the Board of Directors for the New England Employee Benefit Council (NEEBC). Teri was one of five finalists for BenefitPro’s 2020 Broker of the Year Award.

At Spring, Prabal leads many of the firm’s most advanced client projects, with a focus on employee benefits, captive insurance and alternative risk funding. He drives the strategic and innovative thinking processes and serves as the project lead for some of the country’s largest employers. Prior to joining Spring, Prabal was working in various finance and operational roles across the globe. Prabal joined Spring and the world of captives in 2015 and quickly became a talent to reckon with in the industry. In 2019, Prabal won the Emerging Talent award for Service Professionals from Captive Review.

He was the 2020 winner of Employee Benefit Adviser’s Rising Star Award and was recognized by Business Insurance for their 2020 Breakout Awards. In 2021 he was recognized as a Rising Star by Insurance Business of America for continuing to push the industry forward.

Prabal has his MBA from Babson College and has received the Associates in Captive Insurance (ACI) certification. Prabal currently serves as a Board of Director at Captive Insurance Companies Association (CICA), the only domicile neutral captive insurance association.

Peter has nearly 20 years of actuarial experience in reserving, pricing, alternative risk funding, risk optimization, captive feasibility and reinsurance risk transfer work. This experience includes workers’ compensation, medical professional liability, professional liability, automobile, general liability, cyber liability, mortgage insurance and other enterprise risks.

Peter was recently recognized by Business Insurance as a 2019 Breakout Award winner and in both 2020 and 2021 received Captive International’s Highly Commended Individual Actuary award. Peter also serves as a faculty member of International Center for Captive Insurance Education’s (ICCIE’s) actuarial course. Prior to joining Spring, Peter was the President and Consulting Actuary with Bartlett Actuarial Group and a Consulting Actuary with Milliman. Peter has given industry presentations, published articles and served on various committees in both the Casualty Actuarial Society and captive insurance industry.

Peter earned a B.S. in applied math and computer science from the University of Wisconsin – Stout. He is a fellow of the Casualty Actuarial Society (FCAS) and a member of the American Academy of Actuaries (MAAA).

Harindra brings to bear nearly 20 years of actuarial consulting experience, having served some of the largest and most complex clients in both the U.S. and Canada, across a wide range of industries. His prior roles have encompassed client relationship management, sales growth leadership, financial management, intellectual capital development, and actuarial leadership. Harindra’s experience spans group benefit plan strategy, pricing, financial management, program design, and vendor management, including projects on due diligence for M&A deals, union negotiations, settlement of unfunded retiree benefit obligations, and guidance on cost reduction and talent attraction/retention through plan redesign.

Harindra holds an Executive MBA from the Kellogg School of Management at Northwestern University and a Bachelor of Commerce (Honours) from the Asper School of Business at the University of Manitoba. He is a Fellow of the Society of Actuaries (FSA), a Fellow of the Canadian Institute of Actuaries (FCIA), and a Member of the American Academy of Actuaries (MAAA).

T.J. consults with domestic and multi-national organizations seeking alternative risk solutions, including providing strategic captive consultation to clients evaluating the utilization of a captive insurance company for the first time as well as those with existing captives looking for program enhancements. T.J. has over 13 years of experience in accounting and financial and risk management, specializing in complex captive design and management. Prior to joining Spring, T.J. was Vice President – Alternative Risk Consulting with NFP, where he was the lead consultant for the Risk and Insurance Strategy Collective (RISC) team. He previously held the position of accounting and client relationship manager with Artex Risk Solutions, Inc., where he managed captive insurance companies while collaborating with and mentoring a team of industry professionals.

T.J. graduated from the University of Iowa with a B.B.A. in Finance and a master’s degree in Accounting and Financial Management. T.J. is a licensed Certified Public Accountant (CPA) in California, and also holds the RIMS-Certified Risk Management Professional (RIMS-CRMP) and Associate in Captive Insurance (ACI) designations. T.J. is an active participant on various committees and associations within the captive industry.

Ken Cope, PhD, is a Senior Consultant and Absence Provider Services Practice Leader at Spring Consulting Group, an Alera Group Company, LLC.  He has spent more than 30 years advising employers and service providers on absence management, disability, and workforce strategy, guiding organizations through complex people, compliance, and operational challenges.

He is distinguished by his ability to connect perspectives across carriers, administrators, solution providers, and employers, helping the industry anticipate where absence management is headed and translate insight into action. Ken brings leadership experience across both consulting and operations. Most notably, he served as President of one of the nation’s largest absence management third-party administrators, where he led a global organization of more than 1,000 professionals supporting Fortune 1000 employers.

Ken holds a PhD in Instructional Management and Leadership from Robert Morris University and serves as an Adjunct Instructor at Baker University, where he teaches graduate-level courses in executive leadership, human resources strategy, and organizational development.

Whitney Day is a Senior Consultant and Absence Consulting Services Practice Leader at Spring Consulting Group, an Alera Group Company, LLC, where she partners with employers to design, evaluate, and optimize absence, leave, and disability programs. Using her 20 years of experience, Whitney leads strategic initiatives focused on vendor performance, program design, and operational effectiveness, helping organizations improve both the employee and HR experience across the full leave lifecycle.

Whitney brings deep expertise in absence and disability management, including RFP strategy, plan diagnostics, vendor governance, and system and reporting optimization. She is known for her consultative approach and ability to translate complex program and operational challenges into practical, scalable solutions aligned with each client’s unique goals.  With a strong focus on best practices and continuous improvement, Whitney works closely with clients to ensure their absence programs are compliant, efficient, and positioned to support evolving workforce needs.

Prior to joining the firm, Whitney led the strategic evolution of Nayya Leave, held Absence Management Practice Leader, Principal and Senior Consultant roles for several of the world’s largest insurance brokers, and facilitated one of the top disability insurance company’s absence management product development efforts. Whitney has her BA in Psychology from Carthage College and is a licensed life, accident and health insurance broker.