Resources

Benefit Resources

1. Download: Scope of Services Overview | A comprehensive side-by-side comparison of the core insurance portfolio, cost management strategies, employee communication tools, and compliance safeguards your team provides year-round.
2. Download: Arizona Employer’s Benefits Readiness Checklist | A strategic tool designed to help local business owners uncover costly blind spots, evaluate long-term cost strategy, and spot compliance gaps before renewal season.
3. Download: Sample Renewal Timeline | A breakdown of our year-round support cycle—starting a full 6 months before your plan start date—to ensure rate negotiations are proactive and completely stress-free.
4. Download: Understanding Your Employee Benefit Options | A clear, plain-English roadmap explaining different funding choices (Fully Insured vs. Level Funded) and multi-year forecasting structures for small businesses.
5. Download: Arizona Employer Tax Incentives | A breakdown of local and federal tax breaks for companies with 2 to 25 employees offering health insurance for the first time, including credits up to $1,000–$3,000 per year.
6. Download: Employer Tax Advantages: Section 125 Cafeteria Plans | Learn how a simple, compliant pre-tax premium plan can reduce employer FICA liabilities and save your business thousands of dollars annually.
7. Download: Two Page Benefit Guide | Sample communication tools built to replace confusing insurance jargon with clear, usable plan choices.
8. Download: Four Page Benefit Guide | Expanded, comprehensive sample layout designed for clear employee plan choices.

Case Studies

Real situations. Real employers. Real outcomes. Every one of these started with a problem their previous broker either created or ignored.

1. Download: One Second Look Changed Everything | A 70-employee Arizona company was struggling with generic plan designs, administrative delays, and a painful life insurance gap. By simplifying options to 3 clear tiers and adding inexpensive employer-paid life insurance, we stabilized compounding renewal trends and gave leadership true cost predictability.
2. Download: From Fully Insured to Level Funded | A young, healthy 20-person plumbing contractor was tired of absorbing blind 20% annual premium increases. By transitioning to a level-funded model with a conservative overfunding cushion, they achieved immediate 12% savings and finally gained access to their own claims data to drive future strategy.
3. Download: When the Clock Runs Out | A 50-employee counseling firm was blindsided by a 150% renewal increase due to zero mid-year communication from their broker. This cautionary tale details the compounding crises of census re-underwriting triggers and why an experienced advisor requests carrier data 90 days out rather than playing catch-up.
4. Download: More People. Better Plan. Same Budget. | A commercial construction company with 14 employees faced a massive risk pool issue because low participation forced healthy workers to opt out. We designed a custom two-plan base/buy-up strategy and educated the crew face-to-face in the breakroom, boosting participation to 64% while securing multi-year cost stability.
5. Download: PEO Case Study | A 15-person multi-state event company was struggling with a total lack of HR infrastructure and deep anxieties surrounding complex California labor laws. By implementing a strategic PEO model, we secured Fortune 500-level health benefits to attract top talent and automated their payroll feed, giving the owner total peace of mind.

Resources for employers outside of arizona

Many of the resources above were created with Arizona employers in mind. However, we also work with many employers headquartered in states other than Arizona. We are currently set up as an Agency in Texas as well and are considering going into other states.

If your company is headquartered outside Arizona or has employees in multiple states, we are happy to tailor these materials based on your location and structure and of course would like to see how we can help.

Looking for Something Not Listed Above?

Every business is different. If there is a benefits-related topic you would like to learn more about, or a question you do not see addressed here, let us know. Common requests include:

• Planning for growth or multi-state employees
• Cost containment strategies
• Benchmarking benefits
• Compliance questions
• Employee communication tools
• Carrier negotiations and renewals
• Wellness platforms