Benefits Collective was founded on a simple premise: mid-market employers deserve the same sophisticated benefits strategies that Fortune 500 companies use — and they deserve an advisor whose interests are fully aligned with theirs.
"The traditional brokerage model isn't broken by accident. It's designed to keep employers dependent, uninformed, and paying more than they should. We built Benefits Collective to be the alternative."
Benefits Collective was founded by benefits professionals who spent years inside the traditional brokerage system — and grew increasingly frustrated with what they saw. Employers were being kept in the dark. Carriers withheld claims data. PBMs buried rebates.
We wanted to build something that made the traditional brokerage model obsolete.
These aren't aspirational statements on a wall. They're the operating principles that determine how we structure our business, how we advise our clients, and where we draw hard lines.
Most brokers earn a percentage of your premium. That means every time your premiums go up, they make more money. It's a model that creates a powerful incentive to do nothing.
We charge a flat advisory fee, disclosed upfront, for the full scope of services we provide. No commissions. No carrier override payments. No referral fees from TPAs, PBMs, or stop-loss carriers. No hidden compensation of any kind.
When we recommend a vendor, it's because they're the right fit — not because they pay us to recommend them. This isn't just an ethical preference. It's the structural foundation that makes everything else we do possible.
A senior team with deep expertise across self-funded plan design, pharmacy, compliance, and data analytics — working directly with clients.
Schedule a no-obligation conversation. We'll tell you whether self-funding is right for your organization, show you where we'd look for savings, and explain exactly how we work — and how we're paid.
No pressure. No commitment. Just a conversation.