# Benefitra

> Benefitra is an independent employee-benefits brokerage, SaaS platform, and marketing arm serving U.S. employers — with deep specialization in roofing, construction, and the skilled trades. We help mid-size employers (20–250 employees) understand exactly what their benefits and insurance spending buys, then optimize it. Our free calculators model health-plan costs, workers' comp rates, COBRA, ICHRA, PEO pricing, and benefits ROI by state and industry.

## About
- [About Benefitra](https://benefitra.com/about/): Who we are and how the transparent-benefits model works.
- [Our Platform](https://benefitra.com/platform/): The benefits + analytics platform for mid-size employers.
- [For Brokers](https://benefitra.com/for-brokers/): How brokers partner with Benefitra.
- [Case Studies](https://benefitra.com/case-studies/): Real employer outcomes.
- [Contact](https://benefitra.com/contact/): Talk to our team.

## Tools & Calculators
- [All Tools](https://benefitra.com/tools/): Directory of every Benefitra calculator.
- [Health Funding Projector](https://benefitra.com/health-funding-projector/): Forecast annual health-plan spend and employee impact.
- [Benefits ROI Calculator](https://benefitra.com/benefits-roi-calculator/): Measure the dollar return on each benefits dollar.
- [Benefits Savings Strategy Builder](https://benefitra.com/benefits-savings-strategy-builder/): Find waste and build an annual savings plan.
- [Business Valuation Tool](https://benefitra.com/business-valuation-tool/): See how benefits decisions affect company valuation.
- [Premium Renewal Stress Test](https://benefitra.com/premium-renewal-stress-test/): Scenario-plan the renewal cycle.
- [EMR Roofing Calculator](https://benefitra.com/emr-roofing-calculator/): Experience Modification Rate impact for construction labor.
- [SaaS Savings Calculator](https://benefitra.com/saas-savings-calculator/): Audit software spend and find discounts.
- [Agent Earnings Calculator](https://benefitra.com/agent-earnings-calculator/): Transparent commission modeling.

## For Construction & Trades
- [Roofing & Construction Benefits](https://benefitra.com/roofing/): Benefits and insurance guidance built for the trades.
- [Employee Benefits](https://benefitra.com/employee-benefits/): Group health, funding models, and compliance for employers.

## Content
- [Blog](https://benefitra.com/blog/): Plain-English guides on benefits, insurance, compliance, and cost control for employers.

## Legal
- [Privacy Policy](https://benefitra.com/privacy/)
- [Terms of Service](https://benefitra.com/terms/)