What We Offer

We are a full-service Employee Benefits Brokerage offering a complete line of Benefit Planning & Services.

We are the Level Funded & Self-Funded Group Medical insurance experts



Section 125 Document

Free For our Clients, This cafeteria allows you to legally pre-tax benefits that your employees contribute to allowed under the IRS rules. This saves money for both the business and the employee.


Employee Navigator HR & Benefits Administration System

Free for all clients, this system gives you the resources of a fortune 500 company. Employee navigator allows you to connect all services to be lean and efficient. The platform connects with payroll, carriers, ACA, Cobra and more. This allows your employees to have access to their benefits year-round and the ability for you to have advanced reporting in seconds.


Healthcare Flexible Spending Account (FSA)

Help your employees save money on out-of-pocket, routine medical expenses. An FSA allows employees to set aside pre-tax dollars from their paycheck for eligible healthcare expenses. Participation decreases their taxable income, and in turn, decreases your costly FICA tax burden.


Commuter Reimbursement Account (CRA)

Designed as an add-on to FSAs, a CRA allows employees to set aside pre-tax dollars to be used for eligible commuting expenses, including parking, transportation, and vanpool services. (If you are an employer in NYC with 20+ full-time employees or San Francisco with 50+ full-time employees, you may be required to provide this benefit.


Dependent Care Account (DCA)

A DCA is an extension of an FSA and is designed to pay for the daily care of an eligible child or adult dependent. Funds can be used for expenses such as daycare, before- and after-school programs, eldercare, pre-school, and more.


Health Savings Account (HSA)

Designed to be used in conjunction with a high-deductible health plan (HDHP), HSAs are quickly becoming the go-to employee benefit account. HSAs are triple tax-advantaged: employees will not pay taxes on contributions, nor will they pay taxes on interest earned or upon withdrawal for qualified expenses. As an employer, you’ll save on high insurance premiums by offering an HDHP.

learn more



Insurance that covers dental care. Dental insurance has long been separated from medical insurance, although employers often offer a benefit package that includes both medical and dental insurance. … Dental insurance plans typically have deductibles that must be paid before treatment is provided


Vision is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.

Group Term Life

Group Term Life is a type of term insurance whereby the insurer issues the employer a master contract with coverage extended to employees. Group term life insurance is relatively inexpensive compared to individual life insurance.

Group Short Term Disability

If an employee is temporarily disabled and can’t work for a short amount of time, this benefit is used to replace a portion of the employee’s income. … Shortterm disability benefits are paid weekly, and employees are eligible to receive benefits for less than 26 weeks.

Group Long Term Disability

Group Long Term Disability is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need. These plans typically last until normal retirement age if you were to claim.

Volunteer Benefits

These benefits are usually paid by the employees but cover unexpected expenses, some of these policies are called, accident, cancer, critical illness, medical bridge, short term disability, etc.

Key Man Life Buy-Sell Agreements

Key Person Insurance is a life insurance policy that a company purchases on a key executive’s life. The company is the beneficiary of the plan and pays the insurance policy premiums. This type of life insurance is also known as “key man insurance,” “key woman insurance” or “business life insurance.

Executive Compensation Life Insurance

An executive bonus arrangement is a simple, nonqualified executive compensation strategy designed to provide supplemental benefits to key employees. The employee is the insured and owner of the life insurance contract. The employer provides a bonus that is paid into the life insurance contract as premiums