Waterloo White Papers

Data-backed guidance from Waterloo Human Capital Management for practices at key inflection points.

Explore in-depth white papers that translate complex workforce, financial and operational dynamics into clear, actionable strategies. Each piece is written for physician-owned and founder-led organizations navigating growth, scale and increasing complexity. Start with The $5 Million Inflection Point and use Waterloo’s benchmarks to plan your next stage with confidence.

White Paper • PDF Download
The $5 Million Inflection Point:
Financial & Human Capital Benchmarks for Growing Medical Practices
For physician-owned practices approaching or beyond $5M in annual revenue.
Published December 1, 2025
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Waterloo Human Capital Management

Are you at the $5M inflection point in your medical practice?

This guide breaks down the financial and human capital benchmarks that signal whether your practice is structurally ready for scale—or stuck relying on informal systems and physician heroics.

  • See how your staff cost ratio compares to the 25–30% target range.
  • Understand the full overhead picture and where hidden margin is leaking out.
  • Evaluate whether your benefits strategy and turnover are helping or hurting profitability.
  • Learn when it’s time to bring in fractional HR and financial leadership instead of another manager.