For a 10–50 person team, a solid benefits package punches far above its cost. This page explains how group benefits actually work — what it does for your company, what it really costs, and how brokers get paid — so you can decide with clear eyes.
Get a Free Benefits ReviewHealth coverage is the first thing serious candidates ask about. It's also one of the biggest reasons employees stay put instead of taking the next offer.
Premiums the business pays are generally a deductible expense — benefits often cost less than the equivalent raise. Your CPA confirms the specifics for your situation.
Enrollment, renewals, employee questions, carrier paperwork — my job, not yours. You approve decisions; I run the machinery.
Broker compensation is already built into the premium you pay, whoever your broker is. You're paying for professional service right now — the only question is whether you're getting it. That's also why working with us, or switching to us, costs your company:
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A level-funded plan works like a regular group benefits plan month to month, but if your team's claims come in lower than expected, part of what you paid can come back to the business at year end. For many healthy 10–50 person teams it's the best-kept secret in group health — and most small businesses are never shown one.
Some carriers offer better rates when employees answer a short, optional health questionnaire. It's not required to get coverage — it's a lever for lowering the price. We'll tell you when it's worth using and when it isn't.
Quoting starts with a simple employee census — ages, ZIP codes, and who's covering dependents. No commitments, no carrier applications. We take it to multiple carriers and bring back real numbers side by side.
A Broker of Record (BOR) letter is a one-page form that tells your carrier who represents your company. It doesn't touch your coverage — only who works for you.
Who services your account — the person your company and your employees call when they need something. Your carrier handles notifying the outgoing broker. There's nothing to cancel and no awkward call to make.
We look at your current plan together and answer your questions.
The Broker of Record letter — a single signature, no new contracts.
I file it with your carrier and get to work. Nothing else changes.
From then on: a direct line instead of a call center, help for your employees with enrollment, ID cards and claims, and a real market comparison at every renewal — your plan never auto-renews unexamined.
If the only mail you get is the annual rate increase, you don't have an advisor — you have a middleman.
Or did they forward the carrier's new number and let it auto-renew? You'd never know the difference — unless someone actually compares.
A denied claim, a missing ID card, a coverage question — does that get handled, or does it land on your desk?
A share of your premium pays your broker every month, whether they work for it or not. If they're invisible, you're paying for service you're not getting.
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Already have benefits? The BOR review upgrades the service behind your plan without touching the plan itself. Starting from scratch? We build a package sized for your team — core coverage first, extras only where they earn their keep.
Book a Review Callor call (385) 855-2108