Renewal came in higher again this year?
Most employers don’t overpay because they’re careless — they overpay because their current plan hasn’t been re-shopped or re-designed in years. We build benefit strategies around your actual workforce and claims data, so you control costs without gutting the coverage your people rely on.
A Full Picture Before We Recommend Anything
We don’t hand you a quote before we understand what’s actually driving your costs.
Medical and group health, voluntary benefits, life and disability, and any executive programs — evaluated together, not in isolation.
We identify utilization trends and inefficiencies in your current plan — the specific things actually pushing your renewal up.
We check whether your employees’ actual doctors and hospitals are in-network before recommending any change — cost savings shouldn’t mean losing access to care people already use.
Fully insured isn’t the only option. We model level-funded and self-funded alternatives to see if a different structure fits your group better.
We shop your plan across the whole market — not one carrier's book.
A broker tied to a single carrier relationship has a built-in incentive to keep you there. We work with multiple national carriers and negotiate directly on your behalf, so the recommendation you get is based on what actually fits your group — not which carrier pays the best commission.
*where available
How Does Your Spend Compare?
A quick benchmark against national small-group averages — the same starting point we use before shopping your plan.
Plan design is the strategy. It's not the whole relationship.
We're still here after the plan is signed.
Enrollment, employee communication, compliance monitoring, and year-round support are a separate part of what we do — not an afterthought bolted onto plan design. See how we handle Open Enrollment & Year-Round Advisory once your strategy is in place.
Plan Design, Quickly Explained
Do we have to switch carriers to work with you?
No. Sometimes the analysis shows your current plan is already competitive — in which case we tell you that. Other times a different carrier or funding structure makes sense. Either way, the recommendation is based on the numbers, not a predetermined outcome.
How long does a plan design review take?
A full analysis, including carrier quotes, is typically ready within a few business days once we have your current plan details and census information.
Will employees lose access to their current doctors?
We check provider network overlap before recommending any carrier change specifically to avoid this. Cost savings that break existing patient relationships usually cost more in employee frustration than they save in premium.
What's the difference between plan design and just getting a quote?
A quote tells you a price. Plan design looks at why your costs are what they are — utilization, network fit, funding structure — before recommending a specific direction. It’s the difference between shopping and strategy.
Let's see what your plan could actually look like
A free, no-obligation analysis is the first step — before your next renewal decision gets made for you.