Compare Your Options
Vantage Pointe is the independent-consultant option for employers who want major-carrier access, custom plan design, and direct access to their advisor. This page compares that approach with PEOs and large brokerages so you can choose the level of service and flexibility that fits your business.
Paychex, Gusto, ADP, etc.
"Everything runs automatically alongside payroll. One vendor for payroll AND benefits—simple and convenient."
Best For:
Owners who want zero involvement and will pay top dollar for convenience.
"Convenient—but you pay a significant premium for it."
Brown & Brown, Gallagher, etc.
"Established brand with 50-100 years of history. More personal than a PEO and cheaper too."
Best For:
Owners who want a recognized brand name and don't mind paying for overhead.
"Better than PEO—but you're still paying for their brand & overhead."
Independent Benefits Consultant
Our Promise:
Same carriers. Better plans. Lower cost. Direct access to Roger.
| Feature | PEO Paychex, ADP | Large Brokerage Brown & Brown | Vantage Pointe Independent |
|---|---|---|---|
| Access to Major Carriers | |||
| Lowest Possible Cost | |||
| Direct Access to Your Advisor | |||
| Custom Plan Design | |||
| Alternative Funding Options | |||
| Annual Plan Review & Optimization | |||
| No Overhead Markup | |||
| Plans Chosen for YOUR Benefit | |||
| Healthcare Advocacy Included | |||
| Voluntary Benefits (Zero Cost to You) |
PEOs charge a premium for convenience. Large brokerages charge for their brand name and overhead. Neither is incentivized to find you the best deal.
At Vantage Pointe, we access the same carriers as every other provider—Aetna, Blue Cross Blue Shield, Cigna, United Healthcare—but without the overhead, without the commission bias, and with direct access to Roger whenever you need it.
The result? Custom plan designs that typically save businesses 20-40% compared to what they were paying before. Same coverage. Better access. Lower cost.
A PEO combines payroll and benefits in one service, while a large brokerage typically provides a broader benefits platform. An independent benefits consultant focuses on direct advisory support and plan design. The right option depends on how much service, flexibility, and direct access a business wants.
Vantage Pointe can help employers compare major-carrier options alongside alternative funding strategies. The available carriers and plan designs depend on the employer’s size, location, and workforce.
An independent consultant can focus on plan design, funding strategy, and direct service without the overhead of a large brokerage or payroll platform. Actual costs and savings depend on the employer’s current plan and workforce.
Vantage Pointe provides direct access to Roger Aboytes for benefits strategy, plan questions, and year-round support. The team helps employers review options, enroll employees, and address issues after implementation.
Alternative funding can include level-funded and self-funded plan structures that use the employer’s own claims experience together with stop-loss protection. These options are evaluated based on a company’s workforce, claims history, and goals.
5.0 rating from our clients
