Employee benefits that help you hire, keep and protect your people
A well-designed group benefits program helps you attract talent, keep good workers and control cost growth. We design plans for businesses from five employees to several hundred, across every industry.
Designing employee benefits since 1992 · All business sizes
Benefits as a business tool
Three examples of how plan design changed hiring, cost and turnover for employers of different sizes.
A 75-person tech company competing for developers
Job offers were often turned down in favor of larger firms. After adding stronger group health coverage, HSA funding and paid parental leave, offer acceptance rose from 45% to 78% and time to fill technical roles fell from 68 to 45 days, saving about $180,000 a year in hiring costs.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Complete employee benefits options
Group health insurance
Fully insured, level-funded and self-funded medical plans, with PPO, HMO, HDHP and HSA-compatible options built around your team and budget.
Learn more →Dental insurance
Preventive, basic and major dental coverage with orthodontia options, standalone or bundled, on broad provider networks.
Learn more →Vision insurance
Exams, frames, lenses and contacts, with access to major retail chains and local eye doctors nationwide.
Group life insurance
Basic employer-paid and optional supplemental life, with guaranteed-issue amounts and portable coverage.
Learn more →Disability insurance
Short- and long-term disability to protect income during illness or injury, employer-paid or voluntary.
401(k) and retirement plans
401(k), SIMPLE IRA, SEP IRA and profit-sharing plans, with investment options, matching designs and fiduciary support.
Learn more →Health savings accounts
HSAs paired with high-deductible plans for tax savings, with help on employer contributions and employee education.
Flexible spending accounts
Healthcare and dependent-care FSAs that let employees pay medical and childcare costs with pre-tax dollars.
Voluntary benefits
Employee-paid accident, critical illness, hospital, pet insurance and identity-theft protection through payroll deduction.
Learn more →Employee assistance programs
Confidential counseling, mental-health support, financial guidance and work-life resources.
Executive benefits
Executive life insurance and deferred-compensation plans that help attract and keep leaders.
Wellness programs
Screenings, fitness incentives, smoking cessation and chronic-condition support that can reduce claims over time.
Group benefits for every industry
From startups to large firms, we design programs for businesses of all sizes.
Technology and software
Professional services
Manufacturing
Construction and trades
Healthcare and medical
Retail and hospitality
Non-profit organizations
Transportation and logistics
Financial services
Real estate and property
Education and training
Government contractors
Benefits consulting that controls cost
Plan design
Programs built around your business goals, workforce and budget rather than a packaged plan.
Cost control
We market to multiple carriers and review funding options; savings in the 15–25% range are common while coverage is kept or improved.
Renewal management
We start renewal work 120 days out and explore alternatives rather than accepting the first increase.
Technology and administration
Benefits platforms, online enrollment, employee self-service and HR integrations to cut paperwork.
Compliance support
ACA reporting, ERISA compliance, COBRA administration and regulatory guidance.
Learn more →Employee communication
Open-enrollment support, benefits education and ongoing updates so employees understand their total compensation.
A year-round benefits partner
Broad carrier access
As a broker, we compare major medical, dental, vision and ancillary carriers to find the right fit for your workforce.
All business sizes
From 5-person startups to firms with 500 or more employees, without minimum-premium rules limiting your options.
Total compensation view
Benefits tied to your pay philosophy, so spending supports your goals for hiring, retention and satisfaction.
Claims and service help
Direct carrier relationships help resolve claim issues, coverage problems and service failures for your employees.
Owner and executive planning
Benefits consulting connects to business exit planning, key-person coverage and executive benefits.
Learn more →Ongoing support
Quarterly reviews, mid-year check-ins and regulatory updates beyond open enrollment.
Build an employee benefits program that works
Request a group benefits review to find cost savings, coverage gaps and ways to improve your program. You can also email info@firstunderwriters.com.
Benefit descriptions are general summaries for education. They are not legal, tax or benefits advice, a statement of coverage, an offer or a binder. Client examples and figures describe past results and are not a guarantee of future outcomes. Plan terms, eligibility and pricing are governed by the contracts issued and are subject to underwriting.