We define, "Small Business" differently than other firms. Companies with fewer than 20 employees are exempt from many Federal and State Employment mandates relating to insurance. Owners and managers of small businesses have countless demands on their time and rarely have the capital or man power for dedicated HR professionals. As the cost and complexity of insurance continues to increase with no end in sight, we feel strongly that small businesses need a qualified and trusted benefits advisor- one who is familiar with and dedicated exclusively to their market segment.

Our volume of small business clients empowers us with a unique understanding of the challenges associated with navigating the myriad of benefit options. We recognize that far too often the small business owner feels neglected and under-served. Our systems, processes and relationships allow for streamlined, enhanced benefits administration. Our small business clients benefit from our core belief that employers must derive increased value from our firm and the benefit packages we design.



Annual Average Cost per Employee for PPO Plans 2008

Annual Average Cost per Employee for HMO Plans