Process

Services

Products

About Us

CT's Employee Benefits Experts

Strategic Benefits Guidance for the Modern Workforce

We partner with HR and executive leadership to design health and benefits programs that support recruitment, retention, compliance, and financial performance.

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Simplifying Insurance with Expert Precision

Your consultant’s job is to be the trusted resource for your business, so that you can focus on what you need to help your business grow. It’s not your job to come up with solutions to save money on plan alternatives, or create strategies to attract and retain talent.
How many years in a row have you heard your broker say “It’s just the market”. The truth is, most brokerages are lazy or plain under skilled, and they know you don’t know what doing a good job looks like.
We raised the bar.

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01

Our Process

02

Our Services

03

Products

Our Process

Better Strategies, Better Service, Better Experience

01

Early, Predictable Communication

Reliability is key in business, and it’s at the heart of our communication. By deeply understanding your needs, we craft solutions that deliver predictable results and cost savings.

02

Strategic Negotiation

Armed with financial and actuarial insight, we define a strategy to boost talent retention within your budget, and negotiate to secure the best market rates.

03

Methodical Execution and Implementation

Our communication is comprehensive, our implementation precise. We ensure the strategies we devise are executed flawlessly, for seamless service delivery.

04

Ongoing Support

Our commitment extends beyond the deal. We’re with you year-round, proactively managing your portfolio and offering continuous support for claims, onboarding, and more.

Our Services

Strategic Planning

  • Benefits
  • Wellness
  • Financial
  • Compensation

Systems & Technology

  • HRIS
  • Private Exchange Platforms
  • Employee Training
  • Online Enrollments

Compliance Reviews & Implementation

  • ERISA Wrap Documents
  • Section 125
  • Employee Guides & Handbooks
  • White Labeled Compliance Documents

HR Support & Strategy

  • Admin Support
  • Dedicated Account Management
  • Employee Navigator Portal
  • Direct Principal Access

Compensation Consulting & Total Rewards

  • Annual Salary Benchmarking
  • Strategic Executive Offers
  • Job Families and Leveling
  • Performance Recognition Packages

Products

Our experts create strategies for your business in any combination that suites your needs, and budget. See our full product list below:
  • Group Dental Insurance
  • Life Insurance
  • Disability Insurance (Short & Long-Term)
  • Health Savings Accounts (HSAs)

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About Us

With the sole mission of becoming the leading expert in employee benefits and consulting, for medium to small businesses, our focus is on one thing: doing more for your business.

With over two decades of experience in employer benefits, this is all we do.

Our founders started out as Underwriters and Actuaries, learning the principles of how insurance plans are built and priced, which makes us experts in building your plans, and negotiating your rates.

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Talk to Our Team

Contact Us

Contact our team today to learn how we can help your business achieve better outcomes.

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