For business · 2 to 50 employees
Group benefits for two to fifty employees
Better cover for your team without pretending the budget is bigger than it is. We read the renewal, price the alternatives and run the enrolment.
In plain words
The renewal letter is the whole job
Most small groups do not have a benefits problem. They have a renewal problem: a letter lands in the ninth month, the increase is double digits, and there is not enough time left to price anything else properly. The work that saves money happens ninety days earlier.
We map what your team actually uses, price fully insured, level-funded and PEO routes against it, and put the trade-offs in a single page your partners can read without a glossary.
- A ninety-day renewal calendar, so the alternatives are priced before the deadline
- Contribution modelling — what a change costs the business and each employee
- Enrolment meetings run by us, in person or by video, in English and Spanish
- A named advisor for your staff, so HR stops being the insurance help desk
What we handle
What a small-group programme includes
Medical
Fully insured, level-funded and PEO routes priced against the same census.
Dental and vision
The two benefits staff notice first, and the cheapest goodwill on the list.
Life and disability
Basic group life, short and long-term disability, sized to salary bands.
Enrolment support
Meetings, forms, ID cards and a phone number that is not yours.
Compliance basics
Notices, eligibility rules and the paperwork that follows a hire or a leaver.
Annual review
A renewal read in full, with the claims story behind the number.
How it goes
What working with us looks like
Census and current plan
Ages, zip codes, tiers and what you pay now. No commitment, no cost.
Routes priced side by side
Fully insured, level-funded and PEO, with the risk of each spelled out.
Enrol and hand over
We run the meetings, chase the forms and take the staff calls afterwards.
Questions
What people ask us about this
Two enrolling employees is the usual floor in Georgia and South Carolina. Below that, individual Marketplace cover with a reimbursement arrangement is often the better answer, and we will say so.
Often not. Plan design, contribution strategy and tier structure move the number as much as a carrier change, and they are far less disruptive to staff.
We do. Every group gets a named advisor and a direct number, so your office manager is not the one explaining a deductible in March.
Yes. Plenty of small employers start there — it is visible, affordable and a reasonable first benefit before medical.
Talk it through with a person
Our help costs you nothing. We are paid by the carrier you choose, and your premium is the same whether you enrol with us or on your own.
- No cost to you
- CRBC™ · MPA-C™
- No pressure, ever
Get a free plan review
A licensed local advisor, usually the same day.
(912) 555-0148Mon – Thu 8:30 am – 6:00 pm