For employers
Your renewal deserves a broker who can do the math.
Benefits are usually the second-largest expense after payroll, and the renewal is decided in a few weeks. I build that package from the underwriting up, take it to market, and stand behind the recommendation through enrollment and the year after.
Services
What I do as your broker
Renewal and market review
- What it is
- A line-by-line review of your renewal, then a market search across the carriers I'm appointed with.
- What you receive
- A side-by-side comparison on the same basis: rates, plan design, which of your employees' doctors stay in network, and my compensation on each option.
- When it makes sense
- Every renewal, and especially the ones that arrive with a double-digit increase.
Plan design and funding strategy
- What it is
- Plan design and funding options modeled against your own claims and employee data.
- What you receive
- Projected cost and employee impact for each option, including fully insured, level-funded, and self-funded.
- When it makes sense
- During budget season, after a change in headcount, or when you've outgrown your current arrangement.
Placement, enrollment, and service
- What it is
- Carrier applications and implementation, open enrollment support, and ongoing service through the plan year.
- What you receive
- A single point of contact for claim escalations, billing problems, eligibility changes, and carrier follow-up.
- When it makes sense
- From the day the plan is placed until the next renewal, and the one after.
Objection
Switching brokers sounds like a hassle.
It's one letter. A broker of record letter, signed by you, tells the carrier I'm now your broker. Your coverage, your plan, and your employees' cards don't change. Nothing lapses.
Most employers switch to get a second look at a renewal they weren't comfortable with. If the review shows your current arrangement is sound, I'll say so. Either way you'll have a written read of the numbers you can keep.
Fit
Who this fits
- Size
- Built for employers with 50 to 500 employees on fully insured or level-funded plans, the size where renewals get real scrutiny but rarely get real analysis. I also work with larger self-funded groups.
- Industries
- Deepest experience in hospitals and health systems, manufacturing, and higher education.
- Lines of coverage
- Medical, pharmacy, dental, vision, life, short- and long-term disability, and stop-loss.
- Honest limit
- I keep my client list short so each one gets real attention. If I can't give your renewal the time it needs, I'll say so on the call.
- Service area
- Employers across Nashville and Middle Tennessee, including Franklin, Brentwood, Murfreesboro, Mt. Juliet, Lebanon, and Hendersonville.
- Service area
- Employers across Nashville and Middle Tennessee, including Franklin, Brentwood, Murfreesboro, Mt. Juliet, Lebanon, and Hendersonville.
- Service area
- Employers across Nashville and Middle Tennessee, including Franklin, Brentwood, Murfreesboro, Mt. Juliet, Lebanon, and Hendersonville.
Process
How it works
- 01
Intro call and data request
A short call to understand your plan, then a specific request: current renewal and the carrier's rate breakdown, an employee list with ages and coverage levels, claims reports if available, and plan documents.
- 02
Analysis and market search
I test the renewal math and take your group to market, laying out every option on the same basis.
- 03
Recommendation review
We walk through the options together, including what I'm paid on each. You decide.
- 04
Placement and enrollment
I handle the carrier paperwork, implementation, and open enrollment materials.
- 05
Year-round service
Escalations and changes come to me directly, and the next renewal starts months before it arrives.
Next
Send me the renewal
Twenty minutes tells us both whether there is a better answer worth going after. Not ready to talk? See how I read a renewal first. Not ready to talk? See how I read a renewal first. Not ready to talk? See how I read a renewal first.