Selph Insurance Agency Part of Straight Answer Wealth Group (385) 855-2108 Book an Appointment Group Benefits for Small Businesses Great benefits aren't just for big companies. We build and service group benefits for companies with 10–50 employees — the businesses big brokers overlook — and back it with business tax planning and wealth strategy. Explained in plain English, with the actual math on the table. Get a Free Benefits Review How Group Benefits Work Already have a plan? A review costs nothing — and switching brokers doesn't change your plan or your rates. What We Do Three things, done right. Our Focus Group Benefits Health insurance and benefits packages for 10–50 person teams. Benefits are how small companies hire and keep good people — and they usually cost less than you think. Group health insurance, shopped across carriers Dental, vision, group life & disability Level-funded options that can refund what your team doesn't use Free broker-of-record review if you already have a plan Learn how group benefits work → For Owners Business Tax Planning The tax code rewards business owners who plan. Deductible premiums, owner and key-person coverage, and retirement strategies that move dollars out of the IRS's reach — legally, with your CPA in the loop. Benefits as deductible dollars vs. taxed raises Owner, buy-sell & key-person protection Tax-smart retirement contributions For the Long Run Wealth & Retirement Straight answers about your money: what you'll actually pay in taxes in retirement, and the strategies most people never hear from their 401(k) provider. Tax-free retirement strategies (Roth, IUL) IRA & 401(k) rollovers without tax surprises Annuities — when they make sense, when they don't Straight Answers What most business owners never get told. Your broker is already being paid — by you. Broker compensation is built into the premium you pay today, whoever your broker is. Changing brokers costs $0 and doesn't touch your plan, your carrier, or your rates. It just decides who earns it. Benefits often beat the equivalent raise. Premiums the business pays are generally a deductible expense, and employees don't pay income tax on them. A $500/month benefit can put more in an employee's pocket than a $500/month raise — at lower cost to you. Your CPA confirms the specifics. A healthy team can pay less. Some carriers offer better rates when employees answer an optional health questionnaire, and level-funded plans can return part of what your team doesn't use in claims. Most small businesses are never shown either option. If your plan auto-renews, nobody's shopping it. If the only mail you get from your broker is the annual rate increase, you have a middleman, not an advisor. A real market comparison at every renewal is the minimum you're already paying for. Why Selph Insurance Twenty years of doing what we said we'd do. 20+ years in insurance & financial services 10,000+ policies written 2,500+ satisfied clients 40+ licensed states ★★★★★ 161 Google reviews. All five stars. “I am very pleased with the time and attention that Matt gave me. He was very professional and creative with what I needed to be done. He was thorough and walked me through several options for my business.” Dave R. · Google review “Matt was very patient and helpful in explaining the product… He was knowledgeable and very well versed in sharing the products' abilities and the various ways to select based on your needs.” Danielle Williams · Google review We're appointed with many carriers — not tied to one. That means the plan we recommend is the one that fits your company and your budget, not somebody's quota. How It Works Simple on purpose. 1 A short review call We look at what you have now — or what you're missing — and answer your questions in plain English. No pitch, no obligation. 2 See the real numbers We shop the market and show you options side by side. Already covered? One signature moves the service to us without touching your plan. 3 We run the machinery Enrollment, renewals, employee questions, carrier paperwork — our job, not yours. You approve decisions; we do the work. Get a straight answer about your company's benefits. A free review takes one short call. Worst case, you learn your current plan holds up. Best case, your team gets better coverage — or you keep more of what you're already spending. Book an Appointment or call (385) 855-2108 Selph Insurance Agency · Part of Straight Answer Wealth Group Salt Lake City, UT · (385) 855-2108 · matt@selphinsurance.com Group Benefits · straightanswerwealth.com · Terms