Attract, Retain & Protect Your Most Valuable Asset—Your People
Group Health • Dental & Vision • Life Insurance • Disability • Retirement Plans • Executive Benefits
Get Employee Benefits QuoteThe right group benefits program doesn't just cost money—it brings real returns. In fact, smart employee benefits help you attract talent, keep good workers, and boost output. See what smart planning can do for your business.
34% Faster Hiring
A 75-person tech company struggled to compete with big firms for software developers. As a result, their job offers were often turned down.
After adding better group health coverage, HSA funds, and paid parental leave, their offer acceptance rate jumped from 45% to 78%. Moreover, the time to fill tech roles dropped from 68 days to just 45 days.
Because of these changes, word spread about their great employee benefits. In turn, they saved $180,000 each year in hiring costs while building a stronger team.
Our approach: We compare your benefits to rivals, show the true value of total pay, and design plans that speak to the talent you want.
22% Premium Reduction
A 150-person factory faced a 28% health insurance renewal hike. This increase would have used up their entire budget for wage raises. Naturally, they feared any changes would upset workers.
However, through smart plan changes and carrier talks, we cut their renewal to just 6%. As a result, the company saved $312,000 per year on their employee benefits.
Even better, employee happiness went up with the addition of telehealth, wellness perks, and HSA funds. Therefore, they got more coverage for less money.
Our approach: We shop multiple carriers, look at different funding options, and improve plan design. Then we help you explain changes so workers understand the benefits.
41% Turnover Reduction
A 200-person services firm had 32% yearly turnover. Each person who left cost about $45,000 in hiring, training, and lost output. Exit talks showed that workplace benefits were a top complaint.
After adding better group life insurance, disability coverage, and a higher 401(k) match, turnover dropped to 19%. Consequently, yearly savings from lower turnover topped $580,000.
This far exceeded the $125,000 spent on better employee benefits. In other words, the return on this investment was nearly 5 to 1.
Our approach: We survey workers to find gaps, compare your plans to rivals, and roll out changes in phases to manage costs.
We offer fully insured, level-funded, and self-funded medical plans from top carriers. Options include PPO, HMO, HDHP, and HSA-compatible plans tailored to your team and budget.
Choose from preventive, basic, and major dental coverage with braces options. Additionally, we offer standalone and bundled plans with wide provider networks.
Get full vision coverage including exams, frames, lenses, and contacts. Furthermore, employees can access major retail chains and local eye doctors nationwide.
Provide basic employer-paid and optional extra life insurance. As a result, employees' families gain financial security with easy approval amounts and portable coverage.
Protect employee income during illness or injury with short-term and long-term disability. We offer both employer-paid and optional plans with flexible terms.
Set up qualified retirement plans including 401(k), SIMPLE IRA, SEP IRA, and profit sharing. Moreover, we provide investment options, matching plans, and fiduciary support.
HSA programs pair with high-deductible health plans to offer tax savings. We also help with employer contribution plans and employee education.
Healthcare FSA and Dependent Care FSA help employees cut taxes. In turn, they can pay for medical costs and childcare with pre-tax dollars.
Extra coverage options include accident, critical illness, hospital, pet insurance, and ID theft protection. These are employee-paid with easy payroll deduction.
Private counseling, mental health support, money guidance, and work-life resources are included. Consequently, employees feel supported and work better.
Special coverage for leaders includes executive life insurance and deferred pay plans. These extras help you attract and keep top talent. Learn more about our commercial insurance options.
Health programs include screenings, fitness rewards, quit-smoking help, and chronic disease support. As a result, claims drop and employees get healthier.
From startups to large firms—we design group benefits programs for businesses of all sizes across every industry.
Smart group benefits consulting that controls costs while helping you attract and keep great employees.
Employee benefits programs built around your business goals, team makeup, and budget. We don't use cookie-cutter packages that miss the mark.
We shop multiple carriers and use smart funding options. As a result, we often deliver 15-25% savings while keeping or improving coverage.
We start renewal talks 120 days early. Consequently, we never accept the first price hike and always explore options to control yearly cost growth.
Benefits platforms, online sign-up, employee self-service, and HR links are all included. Therefore, you spend less time on paperwork.
ACA reporting, ERISA compliance, COBRA admin, and rule guidance keep you on track. In other words, we handle the red tape so you don't have to.
Open enrollment help, benefits training, and ongoing updates are part of our service. As a result, employees understand and value their total pay package.
We work for you—not insurance carriers. Because we have access to all major medical, dental, vision, and other carriers, we find the best fit for your needs. We don't push any one company's products.
From 5-person startups to 500+ employee firms—we have employee benefits solutions for every size. Moreover, our carrier ties mean no minimum premium rules limit your options.
Group benefits plans link to your overall pay philosophy. As a result, your employee benefits spending supports your goals for hiring, keeping workers, and staff happiness.
Direct carrier ties mean claims issues, coverage problems, and service failures get fixed fast. In short, we fight for your employees when they need help most.
Benefits consulting connects to business exit planning, key person coverage, and executive benefits. Therefore, you get complete planning for owners and leaders.
Ongoing support goes beyond open enrollment. We provide quarterly reviews, mid-year check-ins, and rule updates. Consequently, your employee benefits program grows with your business. Learn more about our team.
Request a full group benefits review to find cost savings, coverage gaps, and ways to improve your employee benefits program.
Call (425) 242-5357Or email us at info@firstunderwriters.com | Contact Us Online
