Employee Benefits for Employers

Mostly small and midsize employers, including companies setting up benefits for the first time. For larger employers, self-funded groups and public entities, we also offer fee-based Benefits Consulting. We're licensed for life and health insurance in Florida and Georgia.

With a fully insured plan, you pay a set premium and the carrier takes on the claims risk. A level-funded plan has a steady monthly cost built around your group's own claims, and some money may come back if claims run low. A self-funded plan pays claims directly, usually with stop-loss coverage to limit large losses, and generally suits larger groups. We'll tell you honestly which ones are worth a look for your company.

Yes. Voluntary benefits such as accident, critical illness, extra life and disability coverage let employees choose what they need and pay through payroll, adding value without much cost to the business.

We run open enrollment, help employees with claims, billing and ID card questions, review your renewal well ahead of the deadline and help you stay on top of compliance requirements such as ACA reporting and COBRA.

It's independent advice for a set fee instead of a commission, on a project, annual or hourly basis. It's built for larger employers and public entities that need help with RFPs, renewal and funding analysis, stop-loss or plan benchmarking, and you can keep your current broker.