A benefits program built around your people.
We design and administer full employee benefits programs for California employers. Independent, carrier-agnostic, and coordinated with the payroll and HR systems you already run. Because we started in payroll, our consultative approach covers not just your benefits — but how you manage your employees day to day.
Every line, one advisor.
One point of contact for the entire program. No handoffs, no finger-pointing, no "that's a different rep."
Medical
Fully insured, level-funded, partially self-funded, and self-funded plans — HMO, PPO, EPO, HSA-qualified across every major California carrier, designed to your workforce demographics and risk tolerance.
Dental
Standalone and bundled plans, PPO and DHMO networks, orthodontia riders where they make sense.
Vision
VSP, EyeMed, and carrier-integrated vision — with an eye on utilization, not just price per employee.
Life & AD&D
Basic, voluntary, and executive carve-out life — placed with carriers who actually pay claims cleanly.
Disability
Short-term and long-term disability integrated with California SDI, PFL, and your leave policies.
Voluntary & Worksite
Accident, critical illness, hospital indemnity, pet, legal, identity — curated, not stacked.
FSA / HSA
Pre-tax health savings and flexible spending accounts coordinated with your payroll platform.
Already in a PEO? Let's make sure your benefits are actually working.
Most PEOs bundle benefits into a black-box number. You pay a single invoice and hope the plan fits your people. It usually doesn't — and you never get to see the real math.
PEO evaluation
Our sister company, Blue Ocean Consulting, audits your PEO contract, fees, and service model — so we know exactly what you're actually paying for benefits.
Workforce-matched plans
We design benefits around your employee demographics and risk profile — not the PEO's default one-size-fits-all offering.
Seamless transitions
If the PEO stays, we optimize what's inside it. If you leave, we manage the full benefits migration so nothing drops between platforms.
One accountable team
PEO consultants, benefits advisors, and payroll specialists at the same table. No handoffs, no finger-pointing, no 'call your PEO.'
Benefit Administration Support Services
We work with your existing Human Capital Management or Benefit Administration solutions — like Navigator — to provide a comprehensive level of service that covers enrollment, compliance, and ongoing support without replacing the systems your team already relies on.
Small Group (Under 100)
Fully insured ACA-compliant plans. All brokers receive the same rates from carriers — shopping brokers won't change your price. What matters is expertise and service.
- New-hire enrollment and life event changes
- Open enrollment strategy, materials, and meetings
- Employee education & decision support
- Access to Navigator or similar benefit administration applications, customized for your company
- Compliance calendar with proactive alerts
- Carrier billing reconciliation quarterly
- NOTECOBRA administration, notices, and ACA reporting (1094-C / 1095-C) are handled by the carrier for small groups.
Large Group (100+ / Self-Funded / Level-Funded)
Custom plan design, claims analysis, and direct rate negotiation. We run the full back office so your HR team isn't buried in admin.
- New-hire enrollment and life event changes
- Open enrollment strategy, materials, and meetings
- Custom plan design and benchmarking
- Annual renewal marketing and negotiation
- Access to Navigator or similar benefit administration applications, customized for your company
- COBRA administration and notices
- ACA reporting (1094-C / 1095-C) and 5500 filings
- Compliance calendar with proactive alerts
- Carrier billing reconciliation quarterly
A 90-day playbook, not a scramble.
Open enrollment is the single biggest lever on participation, HSA adoption, and employee sentiment about their benefits. We run it like a product launch — timeline, communication cadence, decision-support, and post-OE audit.
90–60 days out
Renewal goals, census refresh, plan design modeling, ACA affordability test.
60–30 days out
Lock lineup, refresh SBC/SPD/Part D notices, load ben-admin, dry-run elections.
OE window
Announcement, 3+ reminders, live sessions, daily completion dashboard.
After OE
Invoice reconciliation, EDI confirmation, payroll audit, 30-day debrief.