Benefits that
actually work.
Nicolas Cain, our Managing Agent, personally oversees every employee benefits and ICHRA account — from group health strategy to benefits administration, he ensures your team gets the right coverage at the right price without the annual renewal headaches.
Employee Benefits Services
We don't just sell policies — we design benefits programs that work for your team and your budget.
Group Health Plans
Competitive health benefits for your team — from traditional group plans to health reimbursement arrangements (HRAs). We design packages that attract and retain top talent.
Dental & Vision
Affordable dental and vision plans that employees actually value. Standalone or bundled — we find the right fit for your team size and budget.
Disability Insurance
Short-term and long-term disability coverage to protect your employees' income when life happens. More affordable than you think, especially at group rates.
Group Life Insurance
Guaranteed-issue life insurance for your employees — no medical exam required. A low-cost benefit that provides peace of mind for every team member.
Ancillary Benefits
Supplemental coverage including accident, critical illness, and hospital indemnity plans. Fill the gaps traditional insurance leaves behind.
Benefits Administration
We handle the paperwork, enrollment, compliance, and ongoing support — so you can focus on running your business, not managing benefits.
The Benefits Struggles Employers Bring To Us
You're losing good people over benefits you can't afford
Health insurance costs for employers are up 7-8% in 2025-2026. Source: KFF, 2024 Small businesses feel this the most — but there are options: level-funded plans, HRAs, association plans, and strategic cost-sharing. We find creative structures that give your team great coverage at a price you can sustain.
Benefits admin is eating your time
COBRA notices, Section 125 compliance, ERISA filings, open enrollment management — the administrative burden is real. We handle compliance and administration so you don't lose nights and weekends to paperwork.
Your current broker renews and runs — zero strategy involved
A renewal email isn't service. We proactively compare your plan across carriers every year, recommend benefit changes based on utilization data, and bring you options — not just a premium increase you're supposed to accept.
Your team doesn't understand or appreciate their benefits
If employees don't understand what they have, they don't value it — and they don't use it properly. We provide employee education sessions and ongoing support so your investment in benefits is actually appreciated.
What's Happening In Employee Benefits Right Now
ICHRAs Are Exploding for Small Business
Individual Coverage Health Reimbursement Arrangements (ICHRAs) are the fastest-growing segment of employer health benefits — especially for businesses with 5-50 employees. Instead of a group plan, you give employees a tax-free allowance to buy their own ACA Marketplace plans. More choice for them, predictable cost for you.
Source: KFF ICHRA ReportSECURE 2.0 Is Changing Retirement + Benefits Packages
SECURE 2.0 Act provisions are phasing in — including employer matches for student loan payments as retirement contributions, expanded auto-enrollment, and new tax credits for small business retirement plans.
Source: IRS SECURE 2.0South Carolina Small Business Tax Credits for Health Coverage
SC businesses with fewer than 25 FTE employees and average wages under $56,000 may qualify for the Small Business Health Care Tax Credit — covering up to 50% of premiums paid. Many businesses miss this credit entirely.
Source: IRS Small Business Health Care Tax CreditNicolas Cain, MBA, our Managing Agent & Founder, personally oversees every employee benefits and ICHRA account to ensure you get the best coverage at the best price.
Our young, innovative team uses technology to streamline administration and bring cutting-edge benefits solutions to businesses of all sizes.
Request A Benefits Consultation
Tell us about your team and goals. We'll design a benefits package — including ICHRA and tax credit analysis — at no cost or obligation.
Employee Benefits FAQ
What is an ICHRA and how does it work?
How much do employee benefits typically cost?
Can small businesses offer competitive benefits?
What compliance requirements do I need to worry about?
Find The Coverage That Fits You
Every type of coverage we offer is backed by a dedicated specialist who knows the market inside and out. Click any option to learn more.
Commercial Insurance
Business protection — auto, liability, workers comp, contractor, and BOP solutions from multiple carriers.
View CoverageHealth Insurance
Individual & family coverage, ACA Marketplace plans, subsidy maximization, and year-round support.
View CoverageMedicare Solutions
Medicare Advantage, Supplement, Part D, Turning 65 guidance, and GLP-1 Bridge Program.
View CoverageLife Insurance
Term, whole life, final expense, mortgage protection, annuities, and retirement planning.
View CoverageBetter Benefits. Better Retention. Better Business.
A free strategy session to explore how the right benefits package — including ICHRA options and tax credits — can transform your team.