Torgersen Causey is a trusted local insurance broker based in Pensacola, Florida, with a strong reputation for providing exceptional service and expertise. With a focus on serving large and midsize employers, they have successfully collaborated with a diverse range of clients. Their office in Pensacola has worked closely with Gulf Winds Credit Union, a leading employer in the depository credit intermediation industry. Torgersen Causey partnered with the HR and finance team at Gulf Winds Credit Union to develop a comprehensive insurance plan tailored to their 210 members' unique needs. This included setting up a self-funding arrangement, as well as HMO, PPO, and PBM plans to ensure optimal coverage and benefits. Torgersen Causey boasts extensive experience and expertise in working with HMOs and clients to address their specific requirements effectively. They have also excelled in serving clients with PPOs, tailoring plans to meet members' needs. Their partnerships with reputable pharmacy providers and PBMs have further enhanced their ability to deliver comprehensive and personalized insurance solutions. With a wide range of experience across industries and client sizes, Torgersen Causey has developed a strong M Score, indicating their high level of competence and expertise. Clients have consistently praised them for their excellent customer service and deep industry knowledge, further solidifying their reputation as a top-notch insurance broker. Operating in the competitive market of Pensacola, Torgersen Causey has established themselves as a reliable and trusted partner for businesses seeking tailored insurance solutions. Their strong expertise in the offices of physicians and depository credit intermediation industries allows them to address the unique insurance needs of these sectors effectively.

Michael R Cowart & Associates in Mobile, AL, stands out as a prominent insurance broker with a substantial presence, boasting a larger office that underscores their commitment to serving the community. Specializing in employer benefits, this office has a proven track record of catering to a diverse range of clients, including local and regional employers. Their expertise extends across various industries, with a notable focus on home health care services, nursing, and residential care facilities. With a rich portfolio of clientele, Michael R Cowart & Associates has successfully worked with self-funded clients, showcasing their adeptness in managing complex insurance structures. Notable examples of their top customers include Crowne Management, a leader in the nursing and residential care facilities industry with 2210+ participants, Felder Services in the home health care services sector with 770+ participants, and Overseas Hardwoods Company in the lumber and construction materials merchant wholesalers industry with 80+ participants. Being an integral part of a local brokerage firm, this office demonstrates its commitment to community engagement. Their extensive experience spans midsize, large, and small employers, attesting to their versatility and ability to tailor insurance solutions to meet the unique needs of businesses of all sizes. Michael R Cowart & Associates in Mobile, AL, stands as a reliable and seasoned partner in navigating the intricacies of employer benefits.

csONE Benefit Solutions. It's what we do. At csONE Benefit Solutions, we specialize in customizing solutions for our producers and their clients. Trusted Insurance Carrier Partnerships csONE Benefit Solutions has an extensive portfolio of Carrier Relationships with highly respected reputations and recognizable names. They are known for their dental, life & disability products. Benefit Communication & Enrollment Support csONE Benefit Solutions offers a unique approach to the benefits education and enrollment process. Our materials are custom designed to ensure employees understand the benefits they currently have, the benefits available to them, and their specific cost. The csONE Team meets one-to-one with each employee to educate, discuss options, and offer guidance through the enrollment process. This is what we do: • Customized Announcement Letters • Personalized Summaries of Benefit Options • Group Education Meeting Presentations. • One-to-One Benefit Consultations • Ongoing Service is part of our solution Client Focused Customer Service We provide real customer service whether you need to talk to an actual person or prefer digital technology through our website or mobile app. Each group is assigned an analyst who stays with the group from implementation, onboarding, education to enrollment. After enrollment, we remain committed to ongoing service.

OneDigital delivers strategic advisory consulting and technology-forward solutions to more than 85,000 employers across the nation. As employee health care, wellness and workplace benefits continue to converge, businesses of all sizes have relied on OneDigital’s exceptional advisory teams for counsel in employee benefits, wellbeing, human resources, pharmacy consulting, property and casualty solutions, as well as the retirement and wealth management services provided through OneDigital Investment Advisors. OneDigital’s commitment to technology and innovation enables its 3,000 advisors to deliver the most modern and intuitive customer experience anywhere in the industry. OneDigital has been named as a Best Place to Work in Insurance by Business Insurance. For more information, visit onedigital.com.

As an American Indian-owned firm, our mission has been to ensure each tribe’s financial strength through independent and unbiased advice. Since founding the company in 2005, FSA has grown to become the largest financial advisory firm dedicated to serving Indian Country with over 25 team members located in offices in Alabama, Florida, Seattle, and California. Over the years, FSA has established a family of companies and teams dedicated to providing these services and expertise. Our goal is to provide solutions that ensure financial prosperity for future generations by developing fully integrated, customized solutions specific to each tribe’s needs and goals. FSA ADVISORY GROUP, LLC FSA Advisory Group provides financial advisory services in Indian Country, including project development and financing services for capital projects, tribal government consulting and ongoing financial advisory services with the goal of creating generational wealth for tribes. - Financing and Project Development - Financial Advising - Tribal Administrative Consulting FSA INVESTMENT GROUP, LLC FSA Investment Group provides sound, independent advice to tribes and high-net-worth individuals. Our team understands that tribes are a distinct class of institutional investors, driven by their mission to provide for future generations. Services: - Tribal Trust and Endowment Funds - Tribal Operating & Enterprise Funds - Tribal Sovereign Wealth Funds - Individual and High-Net-Worth Services FSA TPA, LLC FSA TPA works with our tribal clients to develop original and creative solutions in order to meet their member/citizen benefit needs. FSA offers the capability to create custom enrollment and application processes, communications, benefit plan designs, and audit and substantiation procedures. Services: - General Welfare Benefits - Healthcare Benefits - Utility Benefits - Nutrition Benefits - Elder Benefits - Minor Benefits

Barnes Insurance & Financial Services, a part of the Alera Group, is a prominent insurance broker located in Pensacola, Florida. Renowned for their in-depth understanding of local and regional employer needs, this office specializes in providing tailored medical and ancillary benefits solutions. A key aspect of their service includes a focus on small employers, demonstrating a knack for addressing the unique challenges and opportunities that such businesses face. Their client portfolio showcases substantial expertise in diverse sectors. Notably, they serve Fort Walton Machining, a key player in the machine shops, turned product, and screw, nut, and bolt manufacturing industry, catering to over 80 participants. Another significant client is The Bridgeway Center, which operates in the outpatient care centers industry and engages with more than 100 participants. These examples underline Barnes Insurance & Financial Services’ ability to handle complex insurance needs across varied industries, particularly in the realms of machine shops, manufacturing, and healthcare. As a local brokerage firm, they bring a personalized touch to their services, combining local insights with the broad capabilities of the Alera Group. This balance ensures that clients receive both the dedicated attention of a local firm and the expansive resources and knowledge of a larger group. Their experience with small employers further highlights their adaptability and commitment to delivering solutions that align with each client's specific needs and contexts. For employers in the Pensacola area, particularly those within the manufacturing and healthcare sectors, Barnes Insurance & Financial Services presents a compelling option for managing insurance and financial needs with expertise and personalized care.

Coastal Workplace Benefits, LLC is a highly reputable insurance broker located in Mobile, Alabama. With extensive experience in the Mobile market, they have become one of the top brokerages in the area. Specializing in serving clients across Ohio, Coastal Workplace Benefits, LLC caters to a diverse range of large and midsize employers. One notable client of this office is Sirius Technical Services Inc, a prominent employer in the facilities support services industry with over 530 members. Coastal Workplace Benefits, LLC collaborated closely with Sirius Technical Services Inc's HR and finance team to establish a tailored self-funding arrangement, PPO plan, and pharmacy benefit management (PBM) solution. This approach was specifically designed to meet the unique needs of their members. In addition to Sirius Technical Services Inc, Coastal Workplace Benefits, LLC serves other esteemed employer clients such as Employee Liability Management Inc, Healthactions Physical Therapy and Wellness, and Hollister Investments Inc. Their expertise spans various industries, including general freight trucking, health practitioners, and offices of physicians. With a strong track record of delivering exceptional service, Coastal Workplace Benefits, LLC consistently ensures that their clients' needs are met. They possess extensive experience in working with PPOs, PBMs, and other pharmacy providers, enabling them to offer comprehensive solutions that align with the specific requirements of their members. This expertise, coupled with their wide range of experience and knowledge across client sizes and industries, has earned Coastal Workplace Benefits, LLC a commendable M Score. As a local insurance broker, Coastal Workplace Benefits, LLC is dedicated to providing outstanding service to clients in the Mobile, Alabama area and beyond. Their commitment to excellence and comprehensive understanding of the insurance landscape make them an ideal partner for employers seeking tailored and effective benefits solutions.