Picard v. Phoenix Administrators, LLC

CourtDistrict Court, M.D. Pennsylvania
DecidedSeptember 29, 2025
Docket3:24-cv-01940
StatusUnknown

This text of Picard v. Phoenix Administrators, LLC (Picard v. Phoenix Administrators, LLC) is published on Counsel Stack Legal Research, covering District Court, M.D. Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Picard v. Phoenix Administrators, LLC, (M.D. Pa. 2025).

Opinion

UNITED STATES DISTRICT COURT MIDDLE DISTRICT OF PENNSYLVANIA

SARA PICARD, Plaintiff, CIVIL ACTION NO. 3:24-CV-01940 v. (MEHALCHICK, J.) PHOENIX ADMINISTRATORS, LLC,

Defendant.

MEMORANDUM Before the Court is a motion for a preliminary injunction filed by Plaintiff Sara Picard (“Picard”) seeking to enjoin Defendant Phoenix Administrators, LLC d/b/a Performance Health (“Performance”) from joining her into arbitration proceedings against Performance initiated by North Pocono School District (“NPSD”). (Doc. 3; Doc. 3-1). This action was initiated by the filing of a complaint on November 12, 2024. (Doc. 1). For the following reasons, Picard’s motion for a preliminary injunction will be GRANTED. (Doc. 3). I. FACTUAL AND PROCEDURAL BACKGROUND The following factual background is taken from the complaint, declarations the parties submitted to the Court, exhibits presented at a September 8, 2025, hearing on Picard’s motion, and testimony from the September 8, 2025, hearing. (Doc. 1; Doc. 19-1; Doc. 23-1; Doc. 23- 2; Doc. 28; Doc. 28-1; Doc. 28-2). Picard is the president of and a managing partner at Millenium Administrators, Inc. (“Millenium”), formerly known as Millenium Healthcare Group, Inc., a healthcare brokerage firm and healthcare administrator which advises employers regarding health care plans. (Doc. 1, ¶¶ 9-10; Doc. 19-1, ¶¶ 4-6). Performance is a third-party healthcare administrator. (Doc. 1, ¶¶ 10-11 Doc. 23-1, ¶ 3). Between July 2013 and June 2024, Millennium was a broker for NPSD and advised NPSD on healthcare plans. (Doc. 1, ¶ 9; Doc. 19-1, ¶ 4; Doc. 23-2, ¶ 3). Between 2018 and 2019, Picard, on behalf of Millenium, introduced Performance to NPSD as a possible candidate for NPSD’s third party healthcare administrator. (Doc. 1, ¶ 10; Doc. 23, 1 ¶ 3). Picard also helped NPSD vet other candidates to be NPSD’s third party administrator. (Doc.

1, ¶ 10; Doc. 19-1, ¶ 10). Neither Picard nor Millennium had a role in NPSD’s selection process for choosing a third-party healthcare administrator. (Doc. 1, ¶ 10; Doc. 19-1, ¶ 14). NPSD ultimately chose Performance to be its third-party healthcare administrator. (Doc. 1, ¶ 11). NPSD and Performance independently negotiated and entered into an Administrative Service Agreement (“ASA”) in or around November of 2019, which was renewed in 2020, 2021, and 2022. (Doc. 1, ¶ 11; Doc. 28). Neither Picard nor Millennium were a party to the ASA or any of its renewals, nor did Picard or Millennium Administrators participate in negotiating and/or drafting the ASA or any of its renewals. (Doc. 1, ¶ 12; Doc. 19-1, ¶ 14). In 2020, Performance, Picard, and Millenium#25, LLC (“Millenium#25”), a separate

business from Millenium which Picard founded, entered into a referral agreement which allowed Millenium#25 and Picard to receive referral fees from Performance. (Doc. 19-1, ¶¶ 17-21; Doc. 23-1. ¶¶ 4-5; 28-1). Under this agreement, Picard and Millenium#25 received a percentage of the payments NPSD paid Performance. (Doc. 19-1, ¶ 25; Doc. 23-1. ¶¶ 4-5). In 2022, NPSD discovered Performance substantially overbilled NPSD through December 2022. (Doc. 1, ¶¶ 13-14; Doc. 19-1, ¶¶ 22-24; Doc. 23-2 ¶ 11). Performance and NPSD subsequently entered into a settlement agreement. (Doc. 1, ¶ 15; Doc. 23-2). Picard is not a party to the settlement agreement. (Doc. 1, ¶ 16; Doc. 23-2). Millennium and Millennium #25 are also not a party to the settlement agreement. (Doc. 1, ¶ 16; Doc. 28-2). Picard, Millennium, and Millenium#25 played no role in negotiating or drafting the settlement agreement. (Doc. 1, ¶ 16; Doc. 19-1, ¶¶ 33-35; Doc. 23-2, ¶ 24). Relevant here, the settlement agreement contains an arbitration clause directing arbitration by the American Arbitration Association (“AAA”) for any claim or dispute between NPSD and Performance. (Doc. 1, ¶ 19; Doc. 28-2, at 4-5). On February 8, 2024, NPSD submitted a Demand for

Arbitration with the AAA against Performance. (Doc. 1, ¶ 22; Doc. 1-3). An arbitration matter was subsequently commenced by the AAA. (Doc. 1, ¶ 25; Doc. 1-4). On July 10, 2024, Performance filed a motion before the AAA seeking to join Performance and Millennium as third-party respondents in the NPSD Arbitration. (Doc. 1, ¶ 29; Doc. 19- 1, ¶ 48). Therein, Performance alleged that “[Picard] and Millennium Administrators are responsible for the unreimbursed amount [Performance] owes to NPSD and sought to assert claims against [Picard] and Millennium Administrators for indemnification, contribution, and unjust enrichment” and demands $670,000 in damages. (Doc. 1, ¶ 30; Doc. 1-4). Picard argued before the arbitrator that she was not subject to the arbitration

agreement because she was not party to the settlement agreement, but the arbitrator ruled that Picard could be subject to arbitration because Picard benefited from the settlement agreement. (Doc. 1-4). Picard thus instituted this action to prevent the arbitrator from compelling her to join the arbitration. (Doc. 1). Picard filed her complaint on November 12, 2024, along with the instant motion for a preliminary injunction. (Doc. 1; Doc. 3). On November 13, 2024, Picard filed a brief in support of her motion for a preliminary injunction. (Doc. 4). On December 30, 2024, Performance filed a brief in opposition to Picard’s motion for a preliminary injunction. (Doc. 11). On January 10, 2025, Picard filed a reply brief. (Doc. 12). After a telephonic conference call to address issues arising from the instant motion, at the request of the parties, this Court ordered limited discovery, after which the parties were directed to file an agreed-upon stipulation to relevant facts. (Doc. 15). However, after several months, the parties were unable to agree to a joint stipulation. (Doc. 15; Doc. 16; Doc. 17; Doc. 18; Doc. 22). The parties filed sworn declarations and additional Court-ordered briefing.

(Doc. 19-1; Doc. 23-1; Doc. 23-2; Doc. 24; Doc. 25). This Court held a hearing on September 8, 2025,1 where Picard submitted three exhibits and testified on her own behalf, and Performance called Todd Houston (“Houston”), President of Performance, and Dr. Daniel J. Powell (“Powell”), Superintendent of NPSD, as witnesses. (Doc. 28; Doc. 28-1; Doc. 28- 2). Having heard arguments and considered the relevant evidence, Picard’s motion is ripe for disposition. II. LEGAL STANDARD A. PRELIMINARY INJUNCTION STANDARD Four factors govern a district court’s decision in issuing a preliminary injunction: (1) whether the movant has shown a reasonable probability of success on the merits; (2) whether

the movant will be irreparably injured by denial of the relief, (3) whether granting preliminary relief will result in even greater harm to the nonmoving party; and (4) whether granting the preliminary relief will be in the public interest. Grill v. Aversa, 908 F. Supp. 2d 573, 591 (M.D. Pa. 2012); Gerardi v. Pelullo, 16 F.3d 1363, 1373 (3d Cir. 1994); SI Handling Systems, Inc. v.

1 Although the parties stated during telephonic status conferences that a hearing would not be necessary, Performance later requested a hearing, and the Court determined a hearing was necessary from the parties’ briefing and declarations. (Doc. 26). Heisley, 753 F.2d 1244, 1254 (3d Cir. 1985)); see also Highmark, Inc. v. UPMC Health Plan, Inc., 276 F.3d 160, 170–71 (3d Cir. 2001). A preliminary injunction is an extraordinary and drastic remedy, one that should not be granted unless the movant, by a clear showing, carries the burden of persuasion. Such relief

is extraordinary in nature and should issue in only limited circumstances. See Am. Tel. & Tel. Co. v. Winback & Conserve Program, Inc., 42 F.3d 1421, 1426–27 (3d Cir. 1994).

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