Employee Group Benefits
Employee benefits that stop behaving like a cost center
Traditional plans when they win, creative plan design when they don't.
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Most employers renew into a number handed to them. We build the plan from the claims up — so the structure, funding, and vendor stack all work in your favor. For many groups the redesign produces net savings to the business rather than the usual annual increase.
- Group size
- 5 to 1,000+ lives
- Funding models
- Fully insured, level, self-funded
- Objective
- Net savings to the employer
01
Full-market traditional placement
Fully insured plans marketed properly, with the renewal math shown to you line by line instead of summarized.
02
Creative plan design
Level-funded and self-funded structures, reference-based pricing, carve-outs, and stop-loss layering matched to the risk you actually carry.
03
Pharmacy and specialty spend
Specialty drug strategies and PBM alignment where a small number of claimants often drive an outsized share of total cost.
04
Ancillary and executive layers
Dental, vision, disability, and supplemental lines coordinated with owner and key-employee planning rather than bought in isolation.
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