Employee benefits your team deserves — simplified for ND & MN business owners.

The right group health plan for your team of 5–50. We shop all major carriers, manage enrollment, handle renewals, and answer every compliance question.

Deductible, copay, HSA-compatible, HMO vs PPO — the plan structure built around what your team actually needs and what your budget can sustain.

How much you pay vs your employees — structured to maximize value and affordability while keeping the benefit competitive for recruiting.

Independent access to all major ND and MN carriers — not locked to one option, not incentivized to favor one carrier over another.

Add dental and vision coverage your team will actually use. Paired strategically with your overall benefits package to maximize value per dollar.

Preventive, basic, and major dental — including orthodontia where appropriate for your team's demographics and your budget.

Annual exams, frames and lenses, and contact lens allowances — predictable, annual benefits your employees use every year.

Combined dental and vision administration through one carrier or platform — simplifying billing, enrollment, and employee communications.

Employer-paid and voluntary life insurance integrated into your full benefits package — a meaningful benefit at a low per-employee cost.

Employer-paid life coverage — typically one times annual salary — provided to all eligible employees as a standard benefit.

Employee-purchased additional coverage — often guaranteed issue up to a certain amount — for employees who want more protection for their families.

AD&D coverage bundled with life at minimal cost — providing additional benefits in the event of accidental death or serious injury.

Short-term and long-term disability coverage to protect your employees' income if they can't work — and protect your business from unexpected absences.

Income replacement for the first 90 to 180 days of a qualifying disability — bridging the gap between onset and long-term coverage.

Income replacement for disabilities lasting beyond the short-term elimination period — providing financial stability through extended illness or injury.

Coordinates with workers' comp, group health, and state programs to fill gaps and avoid duplicated benefits — part of your complete benefits package.

Know exactly what the law requires for your business size — and what it doesn't. We keep you compliant without overbuilding your benefits spend.

What the ACA requires from businesses with 50 or more FTEs — the ALE threshold and what it means for your coverage obligations.

What's available for businesses under 50 employees — SHOP marketplace options, small group plans, and how the rules differ for smaller employers.

1094-C, 1095-C, and annual IRS reporting obligations — what's required, when it's due, and what happens if you miss a deadline.

We guide you through plan selection, employee communication, and enrollment every year — so open enrollment runs smoothly without consuming your time.

Comparing your current plans against alternatives before the renewal deadline — before rates are locked and options narrow.

Walking your team through their options, answering questions, and collecting elections so every employee is properly covered.

New hire enrollment, life events, claims questions — handled between enrollment periods so you're not on your own when something comes up mid-year.

More than a broker — a benefits strategist. We design competitive, cost-effective packages for businesses competing for top talent.

Building a benefits structure that serves your team and your budget — not just the plan your carrier defaults to at renewal.

Annual review of carriers, costs, and alternatives before the renewal deadline — not a rubber stamp of whatever your current carrier proposes.

Claims support, new hire enrollment, life event changes, and compliance questions — handled throughout the year, not just at open enrollment.

Critical illness, accident, and hospital indemnity benefits that pay employees directly — filling the gaps standard health insurance leaves behind.

Pays a lump-sum cash benefit directly to the employee upon diagnosis — cancer, heart attack, stroke, and others. The employee uses it however they need.

Pays a fixed cash benefit for injuries from covered accidents — broken bones, burns, ER visits, and follow-up care.

Pays a daily or per-admission cash benefit when an employee is hospitalized — covering out-of-pocket costs beyond what health insurance covers.

Specialized coverage that pays benefits throughout a cancer diagnosis — from initial detection through treatment and recovery.