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We Make the Invisible, Visible

Employees First helps employers unlock hidden value inside their employee-paid benefits by giving you something the industry rarely offers - complete transparency, real control, and the ability to truly optimize employee benefits.

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In most fully-insured voluntary benefit plans, employers are kept in the dark. Premium dollars flow in, claims dollars flow out, and everything in between is obscured.

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Carriers hold all the information and all the control.​ We change that. 

The ERISA compliant Employees First financial model provides crystal-clear visibility into exactly where every employee-paid dollar goes. We give employers back control.

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With full transparency comes choice.​

You can finally see how your plans are performing, identify inefficiencies, and ensure that premium dollars are being applied the way they were intended, for your employees.

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We return surplus dollars to your employee benefits programs.​

It’s a smarter, more human approach to voluntary benefits - one that puts your employees first, just as we know you would intend.

Ready to learn more?

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How We Do It | Employee Benefits Transparency

First, we shine a light on every dollar.

Voluntary benefits are notoriously opaque. Fully insured plans obscure where money actually goes, making it nearly impossible to validate true costs. We start by analzing your current program, which will reveal the full picture:

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  • Actual claims paid

  • How much is held in reserves

  • Commissions

  • Premium loads

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Wtih our analytics, employers will see, penny by penny, what happens to every dollar inside their voluntary benefit plans.

We apply our financial model that unlocks hidden value.

Our ERISA compliant model sits on top of your existing voluntary benefits strategy. We don’t sell insurance or administer services, instead, we:

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  • Analyze your claims experience

  • Identify premium dollars that remain after claims and capped fees

  • Apply our compliant structure to capture these excess dollars 

  • Return excess dollars back into employee benefits
     

Our program mirrors the control of a self-funded plan, but without the risk, and without pooling claims experience with other employers.​

Most employers see over
25%
savings in the first year.

We return the dollars to improve employee value. Guaranteed.

Once captured, the dollars flow back to your benefits program with complete transparency and total employer discretion. You choose how to reinvest the value:

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  • Lower employee costs (medical contibutions, Rx costs, etc.)

  • Increase benefits for more coverage

  • Add supplemental programs or perks

  • Fund plan expenses without cutting benefit quality

  • Advance your enrollment platform support

  • Enhance recruitment, retention, and employee well-being
     

No matter what you choose, the dollars always go back to benefit the employees.

Ready to tune up your voluntary benefits?

See How Our Program Works

60 Second Overview (no audio/sound)

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