The traditional group health renewal cycle is a tax on operational ignorance. We build mathematically optimized benefits architecture for Southwest Missouri businesses that want to stop subsidizing carrier margins.
Recover 7.65% in employer payroll taxes on every pre-tax employee premium dollar to directly offset rising wage floors.
Transition from fully-insured fixed loss to claims-funded accounts. If your workforce is healthy, you keep the surplus. Not the carrier.
Defined contribution models that cap your corporate liability while giving employees unencumbered marketplace choice.
We do not pitch. We evaluate your current census and premium schedule. If your current broker is mathematically optimal, we will tell you to stay. If capital is leaking, we show you the numbers.