Risk Intelligence
Combining data, analytics, and industry expertise to uncover risks and opportunities before they impact your business.
Employee Benefits
Life and Benefits Coverage for Texas Businesses That Want to Attract and Protect the Right People.
Your workforce is your most valuable operational asset. Life and benefits programs protect your employees and their families from financial hardship while positioning your business as an employer that takes care of its people.
Group
Medical & dental
Life
& disability
Key person
& buy-sell
HSA
FSA / HRA
Our approach
We pair developer-grade analytical infrastructure with senior advisory to deliver risk programs that support operational continuity and capital efficiency.
Strategic Coverage
Transparent insurance solutions tailored to your operations, assets, and long-term objectives.
Long-Term Partnership
A relationship-focused approach built on trust, advocacy, claims support, and ongoing risk advisory services.
Why Benchmark
The Benchmark Difference, in Numbers.
42
States LicensedCoast to coast
$6B
In Property ValuesInsured & protected
4,000
Loyal PartnersAnd growing
100+
A+ Insurance MarketsTop-rated carriers
Where Benefits Programs Get Renegotiated
Group Benefits and Executive Benefits Structured Around Retention and Cost.
Benefits are part of recruiting and part of P&L. We structure both inside the same program so the cost curve and the employee experience line up.
Texas multi-employer
Self-funded and fully insured modeled against demographic. Stop-loss layered where the math supports.
Key principals
Executive medical, supplemental life, and disability income for principals with higher exposure.
Closely held businesses
Funded with life insurance against the operating agreement language so the buy-sell actually executes.
Retention focus
Ancillary lines used as the retention lever inside total comp planning.
Coverage highlights
Life & Benefits
Coverage
Group medical
Fully insured and self-funded modeled against demographic. Stop-loss layered where the math supports.
Coverage
Group dental and vision
Ancillary lines used as the retention lever inside total comp planning.
Coverage
Group life and disability
Basic life, voluntary life, and short and long-term disability placed against the workforce.
Coverage
Executive carve-outs
Executive medical, supplemental life, and disability income for principals and key executives.
Coverage
Key person and buy-sell
Key person life insurance and buy-sell agreements funded against the actual operating agreement language.
Coverage
HRA, HSA, and FSA
Pre-tax benefit accounts structured against the operator's healthcare strategy.
Built For
Texas employers competing on talent retention and operating cost.
Benefits matter where retention is a competitive lever or where operating cost is under pressure. We model both before structuring the program.
- Closely held private businesses
- Multi-state employers with cross-state plans
- Professional services firms with high-comp workforces
- Manufacturing and distribution employers
- Healthcare and clinical employers
- Family offices and private equity portfolio companies
What Sets Us Apart
Self-funded modeled
Stop-loss layered
Executive structured
Buy-sell funded
Benefits modeled as total comp, not a checkbox.
Math first
Self-funded plans modeled against actual demographic and claim history before recommending.
Where math supports
Stop-loss layered to specific retention points based on actual experience.
Carve-outs
Executive benefits structured separately for principals and key executives where the standard plan is inadequate.
OA-matched
Buy-sell coverage funded against the actual operating agreement language so the agreement executes.
Methodology
The Benchmark Protocol
01
Discovery
Deep-dive audit of your operation, exposures, and historical loss runs to identify coverage gaps.
02
Market Analysis
Leveraging carrier relationships to benchmark your program against the highest industry standards.
03
Proposal
Structured coverage architecture and disclosure-first balance sheet efficiency with institutional protections.
04
Partnership
Ongoing stewardship, risk control, and advisory that scales with your growth.
Benefits advisory
Benefits are part of total comp. We structure them that way.
Send us your headcount, your demographic, and your current renewals. We will model both fully insured and self-funded against your actual experience.
Common Questions
Frequently Asked Questions.
What is group life insurance for businesses?
Group life insurance provides a death benefit to an employee's beneficiaries. Employer pays all or part of the premium and coverage is offered to all eligible employees without medical underwriting.
What is the difference between short-term and long-term disability?
Short-term disability replaces income for a temporary period of three to six months. Long-term disability takes over after and can continue for years.
Is life and benefits insurance required for Texas businesses?
No, but offering benefits has a direct impact on your ability to hire and retain quality employees in competitive labor markets.
What is key person life insurance?
Key person life insurance pays a benefit to the business if a critical executive or high-value employee passes away. Helps manage transition costs.
How is a buy-sell agreement funded with life insurance?
Each business partner takes out a policy on the other. If one partner dies, the survivor uses the proceeds to purchase the deceased partner's ownership share.
Can small businesses afford group benefits?
Yes. Group programs are often more affordable per employee than individual policies. Even businesses with five employees can access competitive coverage.
What happens to coverage if an employee leaves?
Most plans allow employees to convert their group coverage to an individual policy or port the coverage to a new plan within a defined period.