Our Services
Enterprise-Grade Benefits. Built for Every Size Business.
From ERISA-compliant health plans to AI-powered benfits administration, we bring the tools that Fortune 500 companies rely on to small, medium and large size businesses across the Southeast and all 50 states.
ERISA Health Plans
The Employee Retirement Income Security Act (ERISA) gives employers a powerful alternative to traditional fully-insured group health plans — and many small businesses have never had access to it. We change that.
What it is
An ERISA health plan is a self-funded or level-funded employer-sponsored benefit plan governed by federal law rather than state insurance mandates. This structure gives employers more flexibility in plan design, greater cost transparency, and access to claims data that traditional carriers keep hidden.
Ideal for
Businesses with 5–3,000+ employees
Employers frustrated with annual premium increases
Companies seeking benefits that compete with large corporations
Businesses in industries with high turnover needing flexible enrollment
What's included
Customizable plan designs tailored to your workforce
Stop-loss insurance to cap employer liability
Transparent claims reporting and cost analytics
ERISA compliance support and plan document management
3-year rate guarantee available for qualified groups
First Health PPO network — one of the largest in the country
Telemedicine and ACA preventive care at $0 copay
Dedicated account management and renewal support
AI-Powered Benefits Administration
Manual benefits administration is expensive, error-prone, and frustrating for HR teams and employees alike. The AI Admin Partners platform replaces that friction with intelligent automation — from enrollment to ongoing engagement.
What it is
AI Admin Partners is an enterprise-grade benefits administration platform that uses agentic AI to automate enrollment, employee engagement, and nurse navigation. It's HIPAA, HITRUST, HITECH, and SOC 2 Type II certified — and it's AI Nurse supports 52 languages, making it the most accessible benefits platform available.
Ideal for
Employers with diverse or multilingual workforces
HR teams overwhelmed by benefits administration
Businesses seeking to improve employee benefits utilization
Employers who want enterprise tools without enterprise overhead
Platform capabilities
Enrollment AI — guides employees through benefits selection in their language
Engagement AI — proactive outreach to ensure employees use their benefits
Nurse Navigation AI — connects employees to the right care at the right time
52-language support for diverse workforces
Trusted HIPAA, HITRUST, HITECH, and SOC 2 Type II certified
Seamless integration with existing HR and payroll systems
Real-time employer dashboard with utilization analytics
Eliminates manual HR administration for open enrollment and life events
SB/A Cooperative Health Plans
The SB/A Cooperative pools small businesses and individuals together to access the purchasing power of a large group — delivering rich benefits at a fraction of traditional market rates, with no deductibles and no medical underwriting.
What it is
The SB/A Cooperative is a health benefits cooperative that allows small businesses and individuals to join together and access group-level pricing and benefits. Members get comprehensive coverage with no deductibles, only co-pays — and can enroll any day of the year, not just during open enrollment.
Ideal for
Small businesses that can't afford traditional group plans
Individuals priced out of ACA marketplace plans
Insurance agents seeking differentiated products for clients
Employers wanting to offer benefits without deductibles
Plan highlights
No deductibles — only co-pays for covered services
No medical underwriting — coverage regardless of health history
365-day enrollment — no open enrollment window required
First Health PPO network access across all 50 states
$499/month for individuals, $500/month for employer groups
Telemedicine and ACA wellness benefits included
Available to employer groups and individuals & families
Competitive broker compensation for agents and brokers
Side by side
How Our Plans Compare
Traditional insurance leaves most small businesses with limited options and rising costs. Here's how our solutions stack up.
| Feature | Traditional Group Insurance | ERISA Health Plan | SB/A Cooperative |
|---|---|---|---|
| Rate stability | Increases every renewal | 3-year guarantee available | Stable cooperative pricing |
| Deductibles | High deductibles common | Flexible plan design | No deductibles — co-pays only |
| Medical underwriting | Required for small groups | Stop-loss underwriting only | None required |
| Enrollment window | Annual open enrollment | Flexible employer control | 365 days — enroll anytime |
| Claims transparency | Carrier controls data | Full claims reporting | Cooperative reporting |
| HR administration | Manual processes | AI-powered automation | Simplified cooperative admin |
| Language support | English only typically | 53 languages via AI platform | Standard support |
Not Sure Which Plan Is Right for You?
Our advisors will walk you through every option and recommend the solution that fits your situation — no pressure, no jargon.