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 — engineered by underwriters and actuaries, not salespeople.
Most brokers sell insurance.
We understand how it's built.
Our team was trained as underwriters and actuaries before we ever became brokers. That means we learned the math behind your premiums — loss ratios, trend factors, carrier pricing models — and we use it to negotiate differently than anyone else in the room.
When your carrier says "it's just the market," we already know whether that's true. And when your broker says "this is the best we can do," we know that's almost never the case.
We work with employers across all 50 states. Every carrier. Every funding strategy. One mission: make your benefits program a competitive advantage, not a line item you dread every October.
— Eric LaVorgna, Founder & Principal
Full-service benefits management.
Underwriting-grade analysis on every renewal — and a partner who builds the financial case before your renewal, not after.
Benefit Strategic Planning
Plan design and cost controls built around your workforce and your numbers — what the plan should look like, and where to control spend before it controls you.
Full Funding Analysis & Plan Rebuild
Built for your specific needs to maximize savings. We model fully insured, level-funded, and self-funded structures against your actual risk profile — and make the transition seamless.
Pharmacy / Rx
Rebate recovery and PBM strategy. We find the dollars carriers keep — including the $150K in pharmacy rebates we recovered for one client on a single employee.
Claims Analysis & Audit
Know where you stand and what to do about it early. We monitor claims year-round and get ahead of problems before they become renewal increases.
Payroll Integration
Seamless connection to payroll and HRIS, so enrollment, deductions, and eligibility stay in sync without manual reconciliation.
Technology & Enrollment
Seamless benefits enrollment and streamlined HR operations — online enrollment platforms, employee portals, and training, so HR doesn't have to handle the tech.
Captive Solutions
Reduce stop-loss volatility through a group captive — spreading risk across vetted employers to stabilize cost and unlock savings unavailable to a standalone group.
Voluntary Benefits
Additional benefit options to increase your employees' wellbeing and attract top talent — life, disability, and critical illness coverage that strengthens recruitment and engagement.
We don't pitch. We prove.
Real outcomes from real clients. No hypotheticals.
Moved to self-funded. $290K saved in year one. Year two, we recovered $150K in pharmacy rebates the carrier had been keeping on just one employee.
Facing an 89% renewal increase. We cut it to 42% year one. Year two, we delivered a decrease that brought them below where they started.
Getting 30–40% increases yearly. Carrier refused to share data. No one would bid. We negotiated a partially self-funded offer at 16% — year two renewal: 0%.
Stuck with a 38.5% increase from their broker. We got them to 14.6% — saving over $120K — enhanced their plans, and restructured their funding.
"Eric and his team are always so thorough and detailed. He is always trying to find better solutions for cost savings for our group. His knowledge of the health insurance industry is superior."Steven T. — Google Review
A different kind of broker relationship.
No surprises. No last-minute renewals. Strategy from day one.
Deep-Dive Discovery
We start by understanding your business, your people, and your numbers — claims data, plan design, carrier contracts, and what your current broker hasn't told you.
Strategic Negotiation
We don't just shop rates. We use actuarial analysis to challenge carrier pricing, restructure plan designs, and find the funding strategy that actually fits your risk profile.
Clean Execution
Implementation is where most brokers drop the ball. We manage the transition, handle employee communications, and make sure nothing falls through the cracks.
Year-Round Management
Renewals don't start 30 days before they're due — they start the day after open enrollment. We monitor claims, track trends, and get ahead of increases.
Not every group belongs in the same plan.
The right funding strategy can save your company six figures. We specialize in finding it — and making the transition seamless.
The Default
Fixed premiums, predictable costs. It's the most common structure — and often the most expensive. Carriers keep your claims savings, your rebates, and your data. Most brokers stop here.
The Bridge
Looks like fully insured, acts like self-funded. You get a fixed monthly cost with the upside of getting money back if claims come in low. Ideal for groups ready to take the next step.
Where the Savings Live
You pay actual claims, keep your rebates, own your data, and build real leverage. This is where we've saved clients $290K in a single year. It takes expertise to do right — that's where we come in.
Has your broker had the conversation about which funding strategy fits your group — and how much you could save by making the switch? If not, that tells you everything you need to know.
Every product. Every carrier. One advisor.
We're independent — not captive to any carrier. We build the right mix for your business.
Ready to see what you're missing?
Find out in 60 seconds — or skip straight to a conversation.