Benefits Designed to Support Your People and Your Business
In today's competitive job market, offering quality employee benefits is essential to attract and retain top talent. For North Carolina employers, navigating health plans, rising costs, and regulations like ACA and ERISA can quickly become overwhelming. Our benefits team uses a service-focused model as we work alongside business owners, HR leaders, and executives to simplify decisions, control costs, and support employees' well-being. From small local teams to growing multi-state businesses, we help you build a benefits strategy that fits your workforce and your budget.
Our Employee Benefits Services
Group Health Insurance
We help design group health plans that balance coverage and cost for employers of all sizes. There are more options in the market than ever. Our team takes and individual approach to each employer to find the right balance. From traditional PPO options to high-deductible health plans to balance or self-funding, we create a benefit strategy that makes sense for your company.
Benefits Administration & HR Technology
Through various partnerships with technology providers, we offer online enrollment, HR dashboards, and employee self-service tools. This modernizes your benefits experience while reducing administrative headaches for your HR team. We will never give you an 800 number to call for service. You will work hand in hand with our agents and account executive team.
Compliance
Compliance services help employers navigate complex benefits and HR regulations. Support may include ACA reporting, annual notices, dependent eligibility audits, Form 5500 filing, HIPAA and Medicare Secondary Payer compliance, non-discrimination testing, Section 125 premium conversion plans, risk management, USDOL audits, and the preparation of wrap documents and Summary Plan Descriptions (SPDs).
How We Build a Benefits Package That Works
Designing an effective benefits program is more than picking a single health plan. We follow a structured, collaborative process so your company can offer meaningful benefits with confidence.
Clarify Objectives and Budget
We discuss company goals and cost control
Analyze Workforce Demographics
We review employee age, locations, and family status to understand needs. We analyze demographic trends to find the right benefit strategy.
Compare Carriers and Plan Designs
As an independent agency, we shop multiple insurers for the right mix of value and coverage. We constantly evaluate best in class as it relates to both coverage and service with our carrier partners.
Present Clear Analysis
We will sit down with you to review pros, cons, and cost projections until we find the right fit for your organization.
Benefit Communication and Implementation
We work hand in hand with your team to support a smooth enrollment. Whether it be in person meetings, benefit guides or technology, we will work with your team to ensure a friendly and supportive implementation process.
Proactive Monitoring for Long-Term Success
We revisit performance annually, prior to renewal and update your strategy as your business evolves. If your strategy includes balance or self-funding, we will carve out time during the year to discuss how the plan is running.
Common Questions About Employee Benefits
How can I offer health insurance to my employees in North Carolina?
We will meet with you one on one to provide a customized solution. We'll help you determine eligibility, explore carrier options, and choose a plan structure that fits your headcount and budget. From ACA-compliant small group plans to more advanced funding options, we guide you step by step.
Do I need a certain number of employees to offer benefits?
Most group plans require a minimum number of eligible employees, but options exist for very small employers as well. We'll review your current staffing and recommend the best path forward.
Can you help with benefits compliance and paperwork?
Yes. We assist with carrier setup, enrollment, and ongoing support and can connect you with tools and resources that simplify ACA reporting and ERISA-related obligations.
What if my company already has benefits but we're unhappy with cost or service?
We can perform a benefits review, benchmark your current plans, and present alternatives at renewal. Many clients come to us specifically to improve service and gain a more strategic, proactive advisor.
Do you work with businesses outside North Carolina?
Yes. While our roots are in North Carolina, we're licensed in many states and can support multi-state employers with consistent benefits strategies.
Explore Related Services
Commercial Insurance
Protect your business operations, property, and liability alongside your benefits program.
Agribusiness Insurance
For farms and agricultural employers, we can coordinate farm coverage with farmworker benefits.
Personal Insurance for Owners & Executives
We can help owners and key employees with personal insurance planning as part of your overall strategy.
Empower Your Employees and Strengthen Your Business
A thoughtful benefits program can help you attract talent, support your team's health, and protect your bottom line. Let us do the heavy lifting of comparing plans, negotiating with carriers, and setting up administration tools.
