# Vantage Pointe Consulting > Independent employee benefits consulting firm serving Southwest Florida businesses. We design custom group health insurance plans, level-funded and self-funded health plans, Section 125 cafeteria plans, voluntary benefits, and 401(k) retirement plans. Our clients typically save 20-40% compared to traditional fully-insured coverage. We serve Cape Coral, Fort Myers, Bonita Springs, and Naples, FL. **Contact:** Roger Aboytes | roger@vantagepte.com | (239) 273-9173 **Address:** Bonita Springs, FL 34135 **License:** Florida Licensed Insurance Consultant **Industry Affiliations:** Builders Industry Association (BIA), Collier Building Industry Association (CBIA), National Association of Home Builders (NAHB), Florida Home Builders Association (FHBA) ## Core Pages - [Home](https://vantagepte.com/): Employee benefits consulting for Southwest Florida businesses. Custom group health plans that cut costs 20-40%. - [About Us](https://vantagepte.com/about): Meet our team — Roger Aboytes (Founder), Wendy (Senior Benefits Advisor), Leo (Compliance & Retirement Specialist). Independent firm, no carrier quotas. - [Why Vantage Pointe](https://vantagepte.com/why-vantage-pointe): How our consultant-advocate model differs from quote-and-switch brokers. We analyze claims data and design custom plans. - [Our Process](https://vantagepte.com/our-process): Our 5-step benefits process: Discovery, Strategy, Enrollment, Onboarding, Ongoing Partnership. - [Contact](https://vantagepte.com/contact): Book a free benefits review. Direct access to an independent consultant, not a call center. ## Services - [Group Health Insurance](https://vantagepte.com/group-health-insurance): Custom group health insurance for SWFL businesses. Fully-insured, level-funded, and self-funded options. Minimum 2 eligible employees. - [Level-Funded Health Plans](https://vantagepte.com/level-funded-health-plans): Fixed monthly payments with year-end refunds if claims are low. Ideal for healthy workforces in construction and trades. - [Section 125 Cafeteria Plans](https://vantagepte.com/section-125-cafeteria-plans): Pre-tax benefit elections that reduce employer FICA taxes. Can save thousands per year for a 20-person company. - [Voluntary Benefits](https://vantagepte.com/voluntary-benefits): Dental, vision, life, disability, and supplemental coverage at zero cost to the employer. Employees pay with pre-tax dollars. - [401(k) Retirement Benefits](https://vantagepte.com/401k-retirement-benefits): Group retirement plans for small and mid-size businesses. Setup, administration, and compliance support. - [Healthcare Advocacy](https://vantagepte.com/advocacy): Dedicated claims and billing advocacy for employees. Reduces out-of-pocket costs and administrative burden. - [Alternative Funding](https://vantagepte.com/services/alternative-funding): Self-funded and partially self-funded health plan structures with stop-loss protection. - [All Services](https://vantagepte.com/services): Overview of all employee benefits and group health insurance services. ## Industries - [Industries We Serve](https://vantagepte.com/industries-we-serve): Construction, trades, healthcare, professional services, retail, and more. - [Construction & Trades](https://vantagepte.com/employee-benefits-construction-companies): Specialized employee benefits for construction companies, contractors, and trade businesses in Southwest Florida. - [Industries Overview (Legacy)](https://vantagepte.com/industries/construction-trades): Construction industry benefits page. ## Location Pages - [Cape Coral, FL](https://vantagepte.com/cape-coral): Group health insurance and employee benefits for Cape Coral businesses. Serving Lee County employers. - [Fort Myers, FL](https://vantagepte.com/fort-myers): Employee benefits consulting for Fort Myers businesses. Lee County's largest city. - [Bonita Springs, FL](https://vantagepte.com/bonita-springs): Benefits consulting for Bonita Springs employers. Located in Bonita Springs — our home base. - [Naples, FL](https://vantagepte.com/naples): Group health insurance for Naples businesses. Serving Collier County employers. ## Blog & Resources - [Blog / Resource Center](https://vantagepte.com/blog): Articles on group health insurance, employee benefits, ACA compliance, and cost-reduction strategies for Southwest Florida businesses. - [Why Your Premiums Keep Rising](https://vantagepte.com/blog/why-your-premiums-keep-rising): The real reason group health insurance costs keep climbing — and what to do about it. - [Prescription Drug Costs](https://vantagepte.com/blog/prescription-drug-costs-are-crushing-small-businesses): How pharmacy benefit strategies can dramatically reduce drug spend for small businesses. - [Medical Billing Advocacy](https://vantagepte.com/blog/medical-billing-errors-are-costing-your-employees): Hospital billing errors and how healthcare advocacy protects your employees. - [The Broker Problem](https://vantagepte.com/blog/your-broker-gave-you-more-quotes): Why getting more quotes from the same broker is not the same as solving the problem. - [Section 125 Tax Strategy](https://vantagepte.com/blog/section-125-tax-strategy-small-business): The tax strategy most small business owners are ignoring. - [ACA Compliance for 50+ Employees](https://vantagepte.com/blog/aca-compliance-50-employees): What employers with 50+ full-time employees must know about ACA compliance. - [Cheap Premiums vs. Affordable Healthcare](https://vantagepte.com/blog/cheap-premiums-affordable-healthcare): Why a low premium does not mean affordable healthcare for your employees. ## Case Studies - [Case Studies](https://vantagepte.com/case-studies): Real results from Southwest Florida businesses that switched to custom benefits plans. ## Structured Data This site publishes Schema.org structured data for the following types: InsuranceAgency, Organization, Person, Service, FAQPage, LocalBusiness, BreadcrumbList, Article. The global InsuranceAgency schema includes AggregateRating (5.0/5, 3 reviews). ## Machine-Readable Formats - [Sitemap](https://vantagepte.com/sitemap.xml): Full XML sitemap of all public pages. - [Robots](https://vantagepte.com/robots.txt): Crawl rules and AI content signals (ai-train=no, search=yes, ai-input=yes). - [API Catalog](https://vantagepte.com/.well-known/api-catalog): Machine-readable business description and service catalog. - [Agent Skills](https://vantagepte.com/.well-known/agent-skills): Bookable skills for AI agents (schedule consultation, request plan review).