Personalized
solutions for
your workforce.
Our team specializes in creating tailored employee benefit strategies, uniquely aligned to your business objectives. Our advanced tools simplify decision-making while our deep understanding of your aspirations allows us to adapt benefits strategies to support your growth initiatives and drive employee engagement.
Driving success through tailored employee benefits.
Addressing every facet of employee benefits insurance, our services blend strategic solutions, comprehensive coverage, and value-added benefits, tailored specifically to your organization’s unique needs.
Key plan components
Group Medical
Attracting and retaining top talent while controlling costs is crucial in today's business landscape. Our group medical benefits offer a strategic solution that fosters employee engagement and health, while ensuring regulatory compliance. From strategic planning to compliance support, we're committed to innovatively addressing your specific challenges. With rising healthcare costs, turn administrative hurdles into opportunities. Leverage our expertise and analytic capabilities to navigate evolving group medical benefit needs, keeping your workforce vibrant and healthy. Stay ahead with a robust group medical plan that enriches your organization and its people.
Voluntary Benefits
Attracting and retaining top talent while controlling costs is crucial in today's business landscape. Our group medical benefits offer a strategic solution that fosters employee engagement and health, while ensuring regulatory compliance. From strategic planning to compliance support, we're committed to innovatively addressing your specific challenges. With rising healthcare costs, turn administrative hurdles into opportunities. Leverage our expertise and analytic capabilities to navigate evolving group medical benefit needs, keeping your workforce vibrant and healthy. Stay ahead with a robust group medical plan that enriches your organization and its people.
Tax-Advantaged Accounts
Elevate your benefits with tax-advantaged accounts: FSAs, HRAs, and HSAs. These tools reduce healthcare costs for you and let employees cover eligible expenses with pre-tax dollars. Our expertise ensures a seamless implementation and administration, supported by robust compliance resources. We offer customizable plans that integrate FSAs, HRAs, and HSAs with other benefits, delivering a hassle-free, value-rich experience. Trust us to simplify tax-advantaged accounts, providing valuable, cost-efficient benefits.
Group Dental
We offer versatile Group Dental coverage solutions, tailored to individual needs and budgets. From Indemnity and Self-insurance plans allowing flexibility in dentist selection, to Closed Panel and Preferred Provider Organizations offering care at discounted rates, we guide you through the options. Our team's deep understanding enables us to craft effective strategies, boosting your overall health benefits program with the addition of dental coverage. Let us amplify your benefits package with our customized dental solutions.
Group Life
Empowering your workforce with robust life insurance coverage enhances peace of mind and job satisfaction. Our suite includes options such as Group Term, Whole Life, and Variable Universal Life insurance, as well as Critical Illness and Disability coverages. We tailor these offerings to your employees' diverse needs, ensuring a secure financial future for their families. Ease of access is facilitated through simplified and guaranteed issue options, with coverage continuity even after employment through conversion privileges. Trust our team to develop comprehensive, intuitive life insurance strategies, bringing value and assurance to your most important asset - your employees.
COBRA
Navigating the complexities of COBRA, the federal law extends temporary health coverage under specific situations, can be daunting for employers. Missteps carry severe consequences, prompting many to outsource COBRA administration. Our services include day-to-day management, participant and employer support, and protection against compliance penalties. We handle notifications, premium collections, and open enrollment, providing a comprehensive, reliable COBRA solution for employers and former employees.
Alternative approach to benefits.
Discover the financial flexibility and cost control advantages of Alternative Funding Solutions. From self-funded programs to employee benefits captives, our team will work to create a self-funded strategy that meets the unique needs and objectives of your organization.

Employee Benefits Captives
Employee Benefits Captives empower businesses to jointly manage risk, mirroring the benefits of larger firms. This collaborative approach reduces risk, stabilizes healthcare costs, and increases flexibility. Participants gain improved data transparency, potential tax reductions, and fewer state-mandated coverages. Each captive, governed by its members, offers a customizable solution, enabling you to retain your preferred network and TPA while reaping the benefits of collective strength.

Self-Funded Programs
Self-Funded Medical Insurance enables organizations to pay for health claims directly, removing fixed premiums. This strategy provides customizability, aligning coverage with workforce needs and demographics. It boosts cash flow, allows interest income from health plan reserves, and circumvents state mandates under federal law (ERISA). Self-funded strategies are most ideal for organizations with ample cash flow as it involves a degree of risk due to healthcare's unpredictable costs.

Level-Funded Plans
Level Funded Plans bridge the gap between fully insured and self-insured plans, offering security with potential cost savings. Employers pay a consistent fee monthly, covering administration, third-party administrators, and stop-loss insurance. These plans benefit particularly healthy employee populations, avoiding community rates. At the end of the year, employers may receive a surplus refund if claims are lower than projected, while stop-loss coverage protects against excessive claims.
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Send us a message or connect with one of our benefits specialists to see out our team can help create a comprehensive benefits program tailored to your organization.