Employee benefits
Seven funding paths, decision-support calculators, and a fiduciary review of what you pay today versus what you could.
Built for employers. Not payroll companies.
One platform. Benefits, HR, and marketing for growing employers.
Three services. Pick one, or stack them. Most clients adopt one and grow into the others.
Illustrative: M1 to M12 customer journey
M1 → M12
Benefits brokerage
Independent brokerage modeling all seven funding paths: fully-insured, level-funded, self-funded, captive, ICHRA, PEO-integrated, and Taft-Hartley.
96% Year-1 to Year-2 client retention See benefitsHR platform
A 16-tool, payroll-agnostic SaaS: onboarding, time, compliance, and performance. Works alongside ADP, Paychex, and Gusto.
$9–$24 per employee / month See the platformMarketing services
SEO, content, and paid acquisition for employers in roofing, construction, mortgage, and real estate. Real Search Console trajectories.
279K clicks · verified GSC · legal vertical See marketing7
funding strategies under one roof
16
HR tools on one platform
96%
Year-1 to Year-2 retention
279K
organic clicks driven (GSC)
NALTO-Approved Vendor
Carrier-independent
Payroll-agnostic
Fiduciary by design
Why Benefitra
An advisor on your side of the table.
We are not a payroll company selling benefits on the side. We are independent, and our incentives line up with yours.
Funding-first, not carrier-first
We model the funding arrangement before the carrier, so the plan is built around your cash flow and risk tolerance.
Transparent by default
You see the math. Fees, spread, stop-loss, and admin are all on the table, not buried inside a bundled rate.
One platform, not ten logins
Benefits, HR tooling, and reporting live in one place, so nothing falls through the cracks between vendors.
Compliance handled
ACA, ERISA, COBRA, and 5500 obligations are tracked in the platform, with deadlines and documents in one audit trail.
The platform
Three pillars, independently adoptable.
Start with the pillar that hurts most today. Each one stands on its own, and they compound when you stack them.
HR platform
Onboarding, time, PTO, performance, and compliance in 16 connected tools that sit on top of your existing payroll.
Marketing & SEO
For employers who also need to grow the top line: SEO, content, and paid campaigns with reporting you can audit.
Employee benefits
Seven funding paths under one roof.
Most brokers sell the one or two they know. We model all seven against your actual headcount and claims data, then recommend the one that fits.
01
Fully-Insured
Carrier bears 100% of claims risk. Predictable monthly premium, minimal admin.
Best for unhealthy groups under 50 employees 02Level-Funded
Self-funded economics with a stop-loss safety net. Surplus refunds in a good year.
Good for under 20 employees 03Self-Funded
Full transparency, full claims control, full upside on a healthy year.
Good for 100+ employees 04Self-Funded Captive
Pooled risk across like-sized employers with laser stop-loss protection.
21–50 employees with good health · 51+ for cost control 05ICHRA
Defined-contribution model. Reimburse employees for individual market plans.
Best when offering group health is unaffordable 06PEO-Integrated
HR, benefits, and workers’ comp bundled through a co-employer relationship.
Best for healthy, growing sub-50 teams 07Taft-Hartley
Multi-employer trust under collective bargaining. ERISA-protected.
Best for unparalleled premium-renewal stabilityCompare all seven
Side by side: group size, cost profile, risk transfer, admin burden, and plan flexibility.
Decide in minutes
Free tools
Model your benefits strategy with 586 free tools.
Flagship planning calculators plus our roofing EMR tool. Use your own data. Every tool is free, with no sign-up and no email gate.
Premium Renewal Stress Test
Model your renewal across all seven funding strategies. Project savings over 2 to 6 years.
Benefits ROI Calculator
Translate benefits spend into measurable returns on retention, productivity, and bottom line.
Health Plan Cost Projector
Project costs across self-funded, level-funded, captive, ICHRA, PEO, and fully insured.
Business Valuation Tool
Planning an exit? See how benefits, HR, and compliance upgrades affect your sale value.
Benefits Savings Strategy Builder
A personalized savings roadmap: 25+ strategies tailored to your headcount and workforce.
EMR Roofing Calculator
Cut your workers’ comp mod rate. Model crew safety actions against your experience modifier.
CFO Cash Flow Analyzer
Self-funded versus fully insured: working capital, float interest, and break-even crossover.
How it works
From first call to live plan in three steps.
1
Model the math
We run your census through the funding projector and show every arrangement side by side, with real numbers.
2
Choose the path
Pick the funding strategy and platform tools that fit your headcount, cash flow, and risk appetite. No pressure, no lock-in.
3
Launch and monitor
We stand up the plan, onboard your team, and track renewals, compliance, and outcomes in one dashboard.
FAQ
Questions employers ask us.
Do I have to switch payroll to work with Benefitra?
No. The platform is payroll-agnostic and sits on top of ADP, Paychex, Gusto, and others. We are a benefits and HR partner, not a payroll company, so there is nothing to rip out.
What size employer is this built for?
We focus on growing, mid-market employers, typically 20 to 250 employees. The tools work at any size, but the funding strategies deliver the most value once you are past the small-group threshold.
Can I adopt just one pillar?
Yes. Benefits, the HR platform, and marketing are independently adoptable. Most clients start with one and grow into the others as the relationship proves out.
What are the seven funding strategies?
Fully-insured, level-funded, self-funded, self-funded captive, ICHRA, PEO-integrated, and Taft-Hartley. We model each against your census so you can compare them on cost, risk, and cash flow before deciding.
Are you actually independent?
Yes. We are a carrier-independent, NALTO-approved brokerage. We are not owned by a carrier or a payroll company, so our recommendation is driven by your numbers, not a quota.
Client reviews
What employers say about working with us.
Real, verified reviews from our Google Business Profile.
5.0
from 47 Google reviews
See all on Google
Sam was super helpful while I was transitioning between jobs and needed to get the right insurance. He sat with me virtually and went through everything that I needed. He is a great resource and very responsive to questions/needs.
Posted on GoogleSam has been my healthcare broker for the last handful of years and is always reliable and helpful taking the time to chat me through all my options and break down the complex healthcare system. He recently found me another alternative to help me save a significant amount of money... highly recommend!
Posted on GoogleMy family had an excellent experience working with Sam! Selecting the right health insurance plan for our family was stressful. Sam took the time to understand our individual needs, provided various plans to compare and helped us find the perfect coverage. The whole process to enroll was quick and easy, and we felt supported every step of the way. Highly recommend!
Posted on GoogleSam has been an amazing help to my husband and I in choosing health plan insurance in Massachusetts. He responds right away and really does the research on what health insurance plans will work best for us. I highly recommend him!
Posted on GoogleI have had the pleasure to be working with Sam since 2016. He provided advice about a variety of insurance products and educated me on what was the best solution for my needs. He is attentive and always quick to respond to any questions or concerns you might have. I highly recommend Sam to anyone who is looking for professional and reliable insurance guidance. He does a great job!
Posted on GoogleSee what your benefits look like under each funding strategy.
A 20-minute call and your census is all it takes to get a transparent, side-by-side model of your options.