Employee Benefits & Group Health Insurance Services
Strategic employee benefits and group health insurance solutions for businesses across Southwest Florida—Cape Coral, Fort Myers, Bonita Springs, and Naples.
Group Health Insurance Strategy
We don't just quote carriers. We redesign your entire group health strategy using fixed-price models, alternative funding, and direct primary care to deliver predictable costs and better employee access.
What's Included:
- ✓Fixed-price health plan models for cost predictability
- ✓Direct primary care integration for affordable access
- ✓Gap coverage structures to protect against catastrophic claims
- ✓Exclusive carrier relationships and alternative funding options
- ✓Ongoing plan optimization and compliance support
- ✓Typical result: 20-40% cost reduction vs. traditional fully insured plans
Expected Outcomes
Voluntary & Supplemental Benefits
Zero cost to you. Real savings for your business. Voluntary benefits are employee-funded through payroll deduction—but when structured under a Section 125 Cafeteria Plan, they reduce your taxable payroll and generate direct employer FICA tax savings of 7.65% on every pre-tax dollar.
What's Included:
- ✓Group Life Insurance, Disability, Accident & Critical Illness coverage
- ✓100% employee-funded—no premium cost to the employer
- ✓Section 125 pre-tax deductions reduce employer FICA liability (7.65%)
- ✓Reduces FUTA and state payroll tax exposure
- ✓Increases total compensation value without increasing taxable wages
- ✓Example: 20 employees × $100/mo = $1,836/year in employer tax savings
Expected Outcomes
Retirement Planning & 401(k) Solutions
Build long-term financial security for your employees and unlock tax credits that reduce your costs. SECURE Act 2.0 creates new opportunities for small employers.
What's Included:
- ✓401(k) plan design and setup tailored to your business
- ✓SECURE Act 2.0 tax credits (up to $5,000/year for 3 years)
- ✓Automatic enrollment and deferral features
- ✓Investment education and employee guidance
- ✓Full compliance and annual reporting
- ✓Payroll integration for seamless administration
Expected Outcomes
Alternative Funding & Cost Control
Traditional fully insured plans are unpredictable. Alternative funding models give you control over costs, protect against volatility, and align your expenses with actual claims.
What's Included:
- ✓Level-Funded Health Plans (predictable costs with upside potential)
- ✓Self-Funded Options with stop-loss protection
- ✓Pharmacy management and specialty drug strategies
- ✓Captive insurance solutions for risk management
- ✓Claims management and utilization review
- ✓Protection against catastrophic claims
Expected Outcomes
Healthcare Advocacy & Care Navigation
Healthcare costs now behave less like a predictable operating expense and more like a high-risk exposure. A major driver behind those increases is medical billing complexity: escalating hospital charges, facility fees, coding errors, and opaque pricing. Our advocacy model addresses that head-on.
What's Included:
- ✓Integrated care navigation before, during, and after services
- ✓Medical bill review and dispute resolution
- ✓Guidance toward high-value, in-network providers
- ✓Protection from unnecessary out-of-network exposure
- ✓Proactive cost intervention at the point of care
- ✓Reduction of avoidable costs from billing errors and overcharges
