Employee Benefits, Engineered Around Your People
From plan strategy and compliance to enrollment, actuarial analysis, and year-round employee communication — our specialists manage every line of coverage so your team can focus on running the business.
Specialists in every line of employee benefits
As an independent firm, we recommend the best products across the market — never tied to a single carrier. One expert partner for your entire benefits picture.
- Independent & carrier-agnostic
- Every line of coverage, one partner
- Strategy built around your people
Fully, Level & Self-Funded Health Plans
Medical strategies built to control cost
Group Life & AD&D
Protection for your team's families
Dental Plans
PPO and HMO network options
Vision Plans
Exams, lenses, and frames covered
401(k), 403(b) & Pension
Retirement plans that retain talent
Cafeteria / Section 125
Pre-tax savings for employees
Voluntary Benefits
Employee-paid, employer-friendly add-ons
Short & Long-Term Disability
Income protection when it matters
A Full Spectrum of Benefits Solutions
Six integrated service lines that keep your programs running smoothly — and your employees happy.
Benefit Advisory
From plan design consultation to renewal, we offer the full spectrum of advisory services to optimize your insurance offerings.
Our independent status frees us to recommend the very best products — regardless of carrier — so every recommendation is built around your people, not a quota.
How we build your program
A clear, proven process — no guesswork, no surprises. Here’s how we take you from today’s plan to a smarter, more competitive benefits program.
Listen & Analyze
We start with your goals, budget, and workforce. Then we dig into your claims data, plan history, and renewal to find exactly where dollars are being lost.
Design & Negotiate
We model funding options and plan designs, then leverage our UBA carrier relationships to negotiate the strongest possible terms on your behalf.
Implement & Support
We handle enrollment, employee communication, and compliance — then stay engaged all year with reporting, advocacy, and proactive renewal strategy.
Self-Funding, Made Clear
As the cost of health insurance keeps climbing, employers are looking for alternatives. Self-funding is a powerful, practical option that lets businesses of all sizes reap the advantages once reserved for the largest employers — rewarding good claims experience instead of surrendering unused premium to a carrier.
Lower Costs
Discounted (10%) plan management fees and no carrier profit margin baked into your premium.
Tax Savings
Reduction in taxes — self-funded plans avoid the 2–3% state premium tax on insured plans.
Full Transparency
Excellent reporting and real claims data — so you can see exactly where your dollars go.
Better Cash Flow
Improved cash flow — no carrier claim reserve (IBNR) required to be pre-funded.
More Control
More control over claims administration, plan design, and consistent benefit communications.
Stop-Loss Protection
Stop-loss coverage protects your business from unusually high or catastrophic claims.
Fully insured, level-funded, or self-funded?
The way you fund your plan is one of the biggest levers on cost. Here are the questions employers ask us most.
With a fully insured plan you pay a fixed premium and the carrier keeps any unused dollars. With self-funding you pay your group’s actual claims (protected by stop-loss insurance) and keep the savings when claims run low. Level-funding is the middle ground: a fixed monthly payment like fully insured, but with a year-end refund if claims come in under projection — a popular first step for smaller groups.
Flexible by Design
Choose a plan type, tune the variables, and unlock real business outcomes — all tailored to your workforce.
Mix & Match Your Plan
Start with a plan type, then fine-tune the variables to fit your budget and goals.
Choose a plan type
Then adjust the variables
Every variable is adjustable — we model the financial impact of each combination so you see the trade-offs before you commit.
Lower Costs
Reduced healthcare spend with 10% lower plan management fees.
Tax Savings
Eliminate the 2–3% state premium tax entirely.
Cash Flow & Control
No carrier claim reserve (IBNR) — keep what you don't spend.
Total Transparency
Real-time reporting and consistent plan communications.
Ready to transform your employee benefits?
Fill out this quick form and one of our advisors will reach out within one business day to discuss your needs.