A brokerage partner built tomake you unstoppable.
Keep 100% of your commission. Forever. Every group you BOR in your first 12 months stays at 100% for life — no taper, no giveback. Plus a 15-tool platform that wins deals, keeps clients, and earns SaaS revenue your competitors don't know exists.
The program in four numbers
Competitive threat
Your Clients Are Getting Pitched Rippling.
Give Them Something Better — And Keep Your Commission.
Tech platforms are targeting your book of business with bundled payroll and HR tools. When your client switches to Rippling, you lose the relationship. With BENEFITRA, you give them a better platform, keep 100% of your benefits commission, and earn 25% SaaS revenue on top.
The problem
You're working harder. Not earning more.
Independent benefits brokers spend half their week on admin, lose 12% of clients yearly to churn, and compete with nothing but a PDF and a handshake. There's a better way.
Without BENEFITRA
- 100% commission, but that's all you get
- No SaaS revenue stream. Zero recurring tech income.
- You handle adds, terms, changes yourself. 15+ hrs/week.
- No marketing automation, no lead gen, no sales training
- 12% annual client churn. No switching costs. No moat.
- ~2 new groups/year. You're the only closer.
With BENEFITRA
- 100% commission for life on every group you BOR — plus 25% SaaS lifetime
- New recurring SaaS revenue stream that grows with your book
- We handle adds, terms, changes, and SaaS support for you
- Marketing automations, lead gen, Apollo sequences, sales playbook
- 7% churn. Platform creates real switching costs for employers.
- 5+ new groups/year with live platform demo advantage
Full rate card
Keep 100%. Forever.
BOR your book during your first 12 months and keep 100% of your benefits commission — for the entire life of those groups. No Year 2 step-down. No Year 3 haircut. No giveback, ever. The platform earns its keep through SaaS revenue and new business growth, not by clawing back your book.
1.1 — BOR'd Book (Groups Transferred During 12-Month BOR Window)
| Revenue Stream | Rate | Duration |
|---|---|---|
| Benefits Commission Forever | 100% | Forever |
| SaaS Commission | 25% | Lifetime |
| Departure Trail | 50% of current rate | Lifetime |
1.2 — Platform-Originated BOR
| Scenario | Benefits Commission | Duration |
|---|---|---|
| You referred client first | 100% | Forever |
| Client found BENEFITRA first | 75% | — |
| Both within 5 business days Benefit of the doubt goes to agent | 100% | Forever |
1.3 — New Business (Tiered by Lead Source)
| Lead Source | Benefits Commission | SaaS Y1 | SaaS Y2+ |
|---|---|---|---|
| Agent-Sourced (your network) | 75% | 25% | 15% |
| Customer Referral (your client referred — regardless of original source) | 75% | 25% | 15% |
| Warm Zone (any Benefitra-touched: inbound, voicemail, email, LinkedIn, qualified appointment) | 70% | 25% | 15% |
| Paid Lead Channels (PPC, paid social — channels with direct CAC) | 60% | 25% | 15% |
| Fully BENEFITRA-Sourced (incl. sales-engineering & RFP help on close) | 50% | 25% | 15% |
1.4 — Departure Trail
Lifetime trail. No non-compete. No non-solicit.
If you leave or retire, you continue earning 50% of your commission rate for life on all groups that remain. On BOR'd groups, that's 50%. On agent-sourced new business, that's 37.5%. You're a 1099 — you're free to go anytime.
1.6 — Cross-Sell Bonus
One-time bonus per non-benefits product attached
When a brokerage client signs a paid SaaS tier or a marketing engagement, you earn a one-time bonus equal to one month of that product's value. Land the full stack (brokerage + SaaS + marketing) and earn two cross-sell bonuses — one for each non-benefits product.
Every group you BOR within your first 12 months stays at 100% commission for life. Bring your full book over before the window closes.
If you ever walk away, you earn 50% of your rate on every group that stays. Passive income, forever.
You're a 1099. You're free to leave anytime. The economics keep you here, not a contract clause.
Keep 100% of your book. Forever.
Every group you BOR in your first 12 months stays at 100% commission for life. Plug in your real numbers and see what the next 5 years look like compared to staying on your current path.
Step 1 — Your Current Practice
Tell us about your book today
Step 2 — Your BENEFITRA Partnership
Choose your agent type
Select the path that matches your situation.
Your Growth Expectations with BENEFITRA
Step 3 — Your New Business Pipeline
Where will your new groups come from?
Different lead sources pay different commission rates. This reflects who did the work to find and qualify the client.
Agent-Sourced (Your Network)
You keep 75%Groups you find yourself — cold outreach, your personal network, COI relationships. You found it, you closed it.
Customer Referral (From Your Book)
You keep 75%An existing client of yours refers a new prospect to you — regardless of how that original client first entered (whether they were agent-sourced, Benefitra-sourced, or a warm lead). You earned the referral by servicing them well.
Warm Zone (Benefitra-Touched)
You keep 70%Any organic Benefitra-touched lead: inbound form submission, demo request, calculator engagement, voicemail callback, email reply, LinkedIn response, qualified appointment booked on your calendar, or Benefitra-handed cold opportunity. You make contact, build the relationship, close.
Paid Lead Channels (PPC)
You keep 60%Leads sourced through paid channels with direct per-lead CAC: PPC, paid social, programmatic display. Benefitra absorbs the ad spend; you work the lead and close. Slightly lower rate reflects the marginal acquisition cost.
Fully BENEFITRA-Sourced
You keep 50%BENEFITRA closed the deal — including all sales-engineering and RFP help (plan comparison spreadsheets, contribution modeling, network adequacy, side-by-side carrier quotes, ROI memos, finalist meeting attendance). You service the account: enrollment, employee questions, annual reviews. Bonus income for relationship work.
4 agent-sourced (75%) + 1 customer referral (75%) + 3 warm zone (70%) + 1 PPC (60%) + 1 BENEFITRA-sourced (50%)
Your 5-Year Projection
The Numbers
Side-by-side comparison: your current trajectory vs. partnering with BENEFITRA.
Annual Income Comparison
Current PathWith BENEFITRA
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | 5-Year Total |
|---|
Year 5 Income Breakdown by Source
Commission Structure at a Glance
| BOR'd Book (within 12-month window) Forever | 100% |
|---|---|
| Agent-Sourced New Business | 75% |
| Warm Leads / Callbacks | 70% |
| Qualified Appointments | 65% |
| Fully BENEFITRA-Sourced | 50% |
| SaaS — BOR'd Book | 25% lifetime |
| SaaS — New Business | 25% Y1 / 15% Y2+ |
| Departure Trail | 50% of current rate, lifetime |
Like what you see?
These projections are based on your inputs. Let's talk about making them real.
You own your book. Forever.
Every group you BOR within your first 12 months at BENEFITRA stays at 100% commission for life. No Year 2 haircut. No Year 3 step-down. No giveback — ever.
If you leave or retire, you continue earning 50% of your commission rate for life on all groups that remain. On BOR'd groups, that's 50%. On agent-sourced new business, that's 37.5%.
No non-compete. No non-solicit. Just a fair structure that rewards partnership.
Your competitive edge
Four ways BENEFITRA makes you dangerous
Your competitors walk in with a PDF and a quote. You walk in with a live platform demo, 15 HR tools, an AI benefits assistant, and numbers that close deals.
Win more deals
Demo a live platform, not a slideshow. Show employers their Total Compensation Statement in real time. Prospects close 2.5x faster.
Keep more clients
Compliance calendars, performance reviews, comp statements, pulse surveys, and an AI assistant all live in BENEFITRA. Churn drops from 12% to 7%.
Earn more per client
Every brokerage client is a SaaS upsell. Professional tier at $5 PEPM unlocks a recurring revenue stream that grows with your book.
Reclaim your time
We handle adds, terms, changes, and platform support. You save 10+ hours a week for selling and building relationships.
Why your clients renew
A dedicated team and tools working to keep your clients happy
The hardest part of growing a book isn't winning new groups. It's keeping the ones you have. BENEFITRA gives your clients an entire support ecosystem that makes renewing with you the obvious choice, year after year.
What your clients get between renewals
- Always-on AI benefits assistant answering employee questions 24/7
- Proactive compliance alerts and deadline reminders so nothing slips
- Dedicated service team handling adds, terms, and changes for you
- Ongoing value that makes your competitors irrelevant at renewal
Without a platform, you're exposed
- No touchpoints between renewals. Clients forget your value.
- No tools for the HR team. You're just a name on a policy.
- No alerts when compliance deadlines approach. Risk sits with them.
- No backup when you're busy. Service gaps erode trust.
- 12% churn because switching to a competitor costs nothing.
Average client churn drops nearly in half when employers use the BENEFITRA platform daily. More renewals means more commission, every single year.
Who we recruit
Four paths into BENEFITRA
Whether you're bringing a $500K book or just getting started, there's a structure built for your situation.
BOR Agent
Bringing an existing book of business.
- BOR'd Book
- 100% Forever
- Agent-Sourced NB
- 75%
- SaaS
- 25% lifetime
- Departure Trail
- 50% lifetime
Transitioning
Under non-compete. Write new biz now, BOR later.
- BOR'd Book
- 100% Forever
- NB (pre-BOR period)
- 70%
- SaaS
- 25% lifetime
- Departure Trail
- 50% lifetime
GA/Cluster
Currently under a GA. Stop giving 15-20% for nothing.
- BOR'd Book
- 100% Forever
- Agent-Sourced NB
- 75%
- SaaS
- 25% lifetime
- Departure Trail
- 50% lifetime
Developing
New to industry or growing your book. Managers ride along and help you close deals.
- Solo Close
- 50-60%
- Manager-Assisted?
- 50% (mgr gets 15%)
- SaaS
- 15% ongoing
- Growth
- +5% at $200K
- Upgrade
- Tier 1 eligible
Whale Provision
Agents with 20+ groups or $300K+ annual production get a direct conversation with BENEFITRA for custom terms. Extended BOR windows, accelerated ramp incentives, and strategic partnership structures.
Quick reference
Keep 100% of your BOR'd book commission forever, write new business at 75%, earn SaaS revenue that doesn't exist anywhere else, and if you leave, trail at half for life.
Your growth engine
Leads come to you. Not the other way around.
Most brokers grow by grinding through cold calls and hoping for referrals. BENEFITRA agents have an unfair advantage: two separate lead engines working in the background while you focus on closing.
Automated Outreach to Qualified Prospects
We've built an unparalleled process for identifying and reaching highly qualified employers without requiring you to make a single phone call. Multi-channel sequences, precision targeting, and intelligent follow-ups run continuously in the background.
Prospects arrive warm, informed, and ready to talk.
SEO-Driven Inbound Leads
BENEFITRA's digital presence generates substantial inbound interest from employers actively searching for benefits solutions. Free interactive tools, in-depth educational content and organic search rankings drive a steady flow of qualified prospects directly to our agents.
You close. We fill the top of the funnel.
Keep 100%. Forever.
Let's prove the math.
BOR your book. Keep 100% commission for life on every group you transition in your first 12 months. Gain a platform, a SaaS revenue stream, admin support, and a competitive weapon your market has never seen. If you ever leave, you trail at half for life. No non-compete. No non-solicit.
[email protected] | benefitra.com/agents