The Invisible Drain on Your Business
Most businesses pay 15-30% more than they should for group coverage — without knowing it.
- You're Overpaying: 30% average overpayment for group coverage.
- Hidden Costs Drain Revenue: $19K+ average annual savings found in recent audits.
- Complexity: 87% of owners cannot fully explain their current benefits plan.
Our Specializations: The Three Pillars
Group Benefits & HR
Strategic cost optimization including healthcare plan restructuring, 401(k) optimization, payroll integration, and employee retention strategies.
Medicare Solutions
Transition Navigation including complex transition planning, supplement and advantage analysis, prescription drug optimization.
Life & Legacy
Wealth Preservation including key person insurance, business succession planning, family protection, and estate planning alignment.
Real Results: Featured Audit
A recent audit for a Texas-based technology company with 5 enrolled employees identified massive savings opportunities:
- Premium Savings: Reduced monthly premium from $10,883 to $9,276 by switching to a level-funded PPO.
- Improved Benefits: Lowered individual/family out-of-pocket maximums from $6,000/$12,000 to $2,000/$4,000.
- Virtual Care: Added $0 virtual urgent care.
- Refund Opportunity: Eligible for premium claims refunds.
- Annual Value: Total annual savings of $19,280.