Practice 01 · Employers
Your renewal is a project, so we run it like one.
Twenty-five to five hundred lives, Houston and across Texas. Group medical, retirement, and the compliance work in between — on a set schedule, with a clear list of what we deliver and when.
Off a 25% increase
Changed how the plan was funded, split out the stop-loss coverage (the backstop insurance that caps a bad claims year), negotiated direct — with a wider network than the year before.
Of participant cost, gone
Recordkeeper search, investment policy statement drafted, quarterly committee installed, fees compared to market. 412 lives.
Co-fiduciary capacity
We share legal responsibility for the plan with you, stated in the service agreement up front — not negotiated after something goes wrong.
Three deliverables, before anyone quotes anything
Named, dated and handed over before anyone opens a quote.
Claims & census review
Where the money actually goes, broken down by category and by group of employees — using your census, the roster of who's covered and their basic health data — before anyone quotes anything.
Funding strategy memo
Fully insured, level-funded or self-funded — three different ways to pay for the plan, each with different risk — modeled against your real claims, with the downside stated.
Compliance calendar
5500s (the annual retirement-plan filing), SARs (the summary you give employees), notices, and committee minutes — dated, assigned, and tracked in your portal.
Energy services, fabrication, manufacturing · Harris County and across Texas
How the work breaks down by company size
Pick the row that matches your headcount. Our fiduciary role — the legal duty to act in your plan's best interest — is stated up front, not negotiated later.
| Service | Lives | Scope | Fiduciary role | How often |
|---|---|---|---|---|
| Benefits only | 25–100 | Medical, dental, vision, ancillary | Broker of record | Annual + open enrollment |
| Benefits + retirement | 50–250 | Adds 401(k) design and governance | 3(21) available | Quarterly committee |
| Outsourced benefits office | 150–500 | Adds enrollment ops and employee support desk | 3(21) + documented process | Monthly |
A "3(21)" role — a designation under federal retirement law where we share fiduciary responsibility with you but you keep final say — is available on our 401(k) work and is written into the service agreement.
Alongside the plan
Investment management
Asset management for the plan's investment lineup and for owners' and executives' own accounts — one set of hands on both.
In build
Fractional CFO services
The financial oversight of a CFO for business owners, without the full-time hire. Ask Michael where this stands.
The FY2026 schedule
Every client sees this on day one. This is how we actually work, not just a promise.
Renewal calendar issued, fee comparison published.
Census and claims review with the CFO.
Carrier and funding strategy set before quotes open.
Open enrollment, on site, with your managers.
Start with a plan review
Three questions, ninety seconds. You will hear back the same business day — from Michael, not a queue.