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.
​