Independent Benefits Brokerage

Better Benefits.Zero Net Cost.

We help employers add meaningful wellness and supplemental benefits to their existing health plan. No additional cost to the employer.

Funded through pre-tax payroll restructuring. The tax savings cover the cost entirely.

Get Your Free Analysis See how it works ↓
$0
Net cost to employer
$500
Average savings per W2 employee, annually*
1 Month
Start receiving benefits in as little as 30 days

*Results vary based on payroll composition and enrollment.

The Process

Three Steps to a Better Benefits Package

No complexity. No drawn-out process. We handle the entire implementation and you approve it.

01

Free Employer Analysis

We review your current health plan, employee census, and payroll structure. In 20 minutes, we can show you exactly what is available and what it saves.

02

Employee Enrollment Meeting

We walk your team through the full benefit stack in a live online session. Clearly, simply, and without pressure. Enrollment happens on the spot.

03

Ongoing Partnership

We manage renewals, carrier relationships, and employee questions year-round. You have a dedicated broker, not a call center, for the life of the relationship.

The Product Stack

A Complete Benefits Architecture

Two integrated layers that work together: wellness and supplemental coverage. All coordinated by one independent broker.

Layer 01
Wellness Program
Telehealth, wellness rewards, health coaching, and preventive care tools. Bundled into a single platform that wraps around your existing health plan.
Telehealth Health Coaching Wellness Rewards Preventive Care
Structured through pre-tax payroll, FICA savings exceed the program cost. The employer comes out ahead.
Layer 02
Employee Benefits
Permanent life insurance that builds cash value, plus cash benefits paid directly to employees when major medical falls short. Available at group rates employees cannot access on their own.
Whole Life Insurance Accident Critical Illness Hospital Indemnity
Zero employer contribution required. Employees gain coverage with no reduction in take-home pay.
Who We Work With

If You Have W2 Employees, We Can Help

If you have employees on a group health plan and want to give them more, this program works. We have seen it work across just about every industry. The only question is how much you stand to save.

  • Any Company SizeSmall teams and large workforces alike. The math works at 10 employees and it works at 500.
  • Any IndustryManufacturing, healthcare, professional services, construction, retail, hospitality. Benefits gaps exist everywhere and so does the opportunity to close them.
  • $500 Per Employee, Annually*That is the average savings generated per enrolled W2 employee each year through pre-tax payroll structuring. It adds up fast.
  • One RequirementYou already offer group health insurance. The wellness program wraps around your existing plan. We do not replace what you have built.
50-Employee Company, Annual Savings
Savings per enrolled W2 employee$500
Employees enrolled50
Total annual employer savings$25,000

* Actual results vary by payroll composition and enrollment.

Common Questions

What Employers Ask Us

The most common questions we hear before a company signs on. If yours is not here, ask us directly.

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What is the catch?
No catch. FICA payroll tax savings generated by pre-tax payroll restructuring fund the program entirely. The employer keeps the surplus. Employees gain coverage without losing take-home pay.
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Is this compliant?
Yes. The structure uses a Section 125 Cafeteria Plan combined with a compliant wellness program and SIMRP — the same framework used by larger employers for years. We work only with platforms that maintain full compliance documentation and avoid fixed indemnity products, the primary source of non-compliance in similar programs.
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Does this replace our existing health plan?
No. The wellness program wraps around your existing group health plan. Nothing changes for your employees on day one except they have more.
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Do employees have to participate?
Participation is voluntary. Employees who enroll gain the wellness and supplemental benefits. Those who do not remain on their existing plan unchanged.
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How long does implementation take?
From signed agreement to active coverage is 30 days or less. We handle enrollment, carrier paperwork, and coordination. Your HR team involvement is minimal.
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What does it cost to find out if we qualify?
Nothing. We review your census and payroll structure and show you the exact savings projection before you make any decision. No obligation.
Get Started

Request Your Free Employer Analysis

Takes 30 seconds. No obligation.

What Happens Next

After you submit, you will hear from us within one business day. The first conversation is a 20-minute discovery call, no pressure, no pitch. Just a real look at what is possible for your workforce.

[email protected]