Group health plans, ancillary benefits, and workplace wellness — strategically designed for small employers who want to compete for talent without overpaying for it.
Most small businesses don't need more options — they need the right ones. We curate plans across top carriers to fit your team, your budget, and your goals.
HMO, PPO, HDHP, and level-funded options from major carriers. We help you balance coverage richness with monthly cost.
Round out your benefits package with voluntary and employer-paid dental, vision, life, and disability coverage.
EAPs, mental health resources, preventive screenings, and wellness incentive programs that actually get used.
Reimbursement arrangements that let you support employees' individual coverage tax-free — ideal for distributed teams.
Stay ahead of reporting, notices, and applicable employer mandates. We handle the paperwork so you handle the business.
Open enrollment, claims questions, billing issues, new hires — your team has a real person to call, not a 1-800 maze.
Independent doesn't mean one-size-fits-all. We curate the right combination from major carriers, group benefit programs, and tax-advantaged wellness offerings — tailored to your team and your budget.
Fully-insured group medical, dental, vision, and life from the carriers your team already knows and trusts — shopped competitively every renewal.
A flexible group benefits platform offering eight medical plan structures, robust supplemental benefits, and integrated virtual care — built for small and mid-sized employers.
Add benefits at no net cost — a SIMERP-based wellness program funded by your own payroll tax savings. Pairs alongside any existing health plan.
EHP works alongside your existing health insurance. No carrier change, no employee take-home pay reduction, no out-of-pocket spend for the business — funded entirely through tax savings already on your payroll.
See your potential savingsFigures are averages based on national program data. Actual savings depend on payroll size, participation, state regulations, and individual circumstances. A custom census-based proposal is required for accurate projections.
Our process is built for busy owners and HR leads. No 60-page proposals. No confusing jargon. Just clarity.
A 20-minute call about your team, current coverage, frustrations, and goals. No commitment.
We model 2–3 plan structures across carriers and show you the trade-offs side-by-side.
Employee-facing materials, one-on-ones if needed, and digital enrollment that takes minutes per person.
We stay involved year-round and reshop the market every renewal. You're never alone with a problem.
The benefits industry was designed for Fortune 500 companies. Everyone else gets bolted-on solutions, sales-quota agents, and renewal letters that read like riddles.
We work exclusively with small and mid-sized employers — typically 2 to 100 employees — because that's where independent guidance matters most. We're paid by the carriers, not by you, but we work for you.
Our job is to translate, negotiate, and stick around. Whether that's explaining what a deductible actually means to a new hire, or rebuilding your whole benefits stack to keep retention up, we're the team that picks up the phone.
We're not selling a single carrier's product. We shop the whole market every year.
Your team will actually understand their plan — leading to higher utilization and satisfaction.
From your first hire through your hundredth, we scale benefits strategy alongside your business.
You'll know your advisor by name. Same person at signing, renewal, and every claim question in between.
Share a few details and Howard will respond within one business day with a tailored proposal across multiple carriers. Always free, never any obligation.
Howard will follow up within one business day with next steps.