Consent Preferences
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Benefits-Captive-as-a-Service™

Whether or not a captive model is a new concept to you, we've made it easy to transition from a traditional program to our Employees First program.

 TOP-TIER CARRIER AFFILIATES

Our carrier affiliates include 6

industry-leading carriers

for large-market employers.

We operate under an agnostic carrier approach.

MORE DOLLARS FOR
BENEFITS

Lower program expenses equals more dollars available for employee benefits.

 

There are no embedded broker commissions, however each Plan Sponsor chooses the amount of compensation from Experience Rated Refunds

INDUSTRY LEADING ANALYTICS

You get access to the first Supplemental Health Plan benchmarking tool to help create a customized, value-based plan - from 42M patient records with actuarial weightings.

DOLLARS CAN
BE AVAILABLE
IN THE PROGRAM LAUNCH YEAR

Dollars can be available

within a few months of program launch,

versus the traditional 15-18 months

delay of cash flow.

MULTIPLE VOLUNTARY PLAN OPTIONS

We started with supplemental health benefits.

 

Due to positive feedback, we have expanded to legal benefits, and non-ERISA benefits including ID theft, payroll purchasing

& pet insurance.

INCLUDES  COMPENSATION DISCLOSURES

Our program includes

reporting and

compensation disclosures

per new

ERISA §408(b)(2)(B).

ERISA
& ACA
COMPLIANCE

Compliance guidance from tier-one ERISA law firms

 through a specific-scope

ERISA analysis paper and a prohibited transaction

 Opinion Letter

FLEXIBLE MODEL THAT CAN ACCOMODATE FIDUCIARY CHOICES

With non-pooled claims experience, Plan Sponsors have choices - Maximize plan value to employees or

elevate benefits by reinvesting found dollars.

Either way, your employees win.

TECH CREDITS
ARE NOT DISRUPTED

All tech credit arrangements are accommodated

through our program. There's no impact on the amount or timing.

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