Cetera Advisor is a national insurance consultant with an office located in Greenwood Village, Colorado. With a wide range of experience and expertise, they cater to clients of all sizes, including large, midsize, and small employers. They have garnered good experience working with self-funded employers, showcasing their ability to navigate complex insurance structures. Furthermore, their strong experience working with Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) enables them to provide tailored solutions that meet the unique needs of their clients. One exemplary case that highlights their proficiency is their collaboration with Media.Monks San Francisco, an employer in the advertising, public relations, and related services industry. Cetera Advisor worked closely with Media.Monks San Francisco's HR and finance team to establish a comprehensive plan. This involved setting up an HMO plan, PPO plan, Pharmacy Benefit Manager (PBM), and drug plan, all designed to best suit the needs of their 1300 members. With their exceptional track record, Cetera Advisor has earned one of the highest M Scores possible, reflecting their extensive experience and knowledge across various client sizes, industries, and insurance products. Notably, their expertise extends to offices of physicians, amusement and recreation industries, as well as the advertising, public relations, and related services industries. Operating across multiple states including Colorado, Ohio, Utah, California, Washington, Florida, Wyoming, Louisiana, and New York, the Greenwood Village office of Cetera Advisor serves a diverse range of clients. Noteworthy employer clients include 92ND Street Y, Kline Galland Home, Media.Monks San Francisco, and Mike Shaw Management Inc. With their commitment to providing tailored insurance solutions and their broad industry expertise, Cetera Advisor is a trusted partner for businesses seeking comprehensive coverage and exceptional service.

Located in Craig, CO, Marsh McLennan Agency stands out as a leading insurance broker with a strong focus on serving local and regional employers in the medical and ancillary benefits sector. With a wealth of expertise tailored to the unique needs of businesses in the offices of physicians industry, this branch excels in delivering comprehensive insurance solutions. One of their notable achievements lies in their successful collaboration with Staar Surgical Company, an industry leader based in CA with over 410 participants. The agency's adept handling of the specific challenges within the offices of physicians industry showcases their commitment to understanding and addressing the nuances of diverse client needs. This Craig-based office is a vital component of the larger national insurance brokerage firm, leveraging the extensive resources and industry insights of the parent company to provide clients with cutting-edge solutions. Their commitment to excellence and a client-centric approach is evident in the seamless integration of local knowledge and national expertise. Employer benefits buyers will find in Marsh McLennan Agency a trusted partner, capable of navigating the intricacies of the insurance landscape and delivering tailored solutions that meet the unique requirements of businesses in Craig and beyond.

HUB International is a national insurance consultant with a prominent office situated in Colorado Springs, Colorado. With a wide-ranging portfolio, HUB International caters to clients of varying sizes, including large, midsize, and small employers. While the company has received some mixed reviews from customers, it serves as an opportunity to further evaluate potential partners. HUB International has garnered considerable expertise in working with self-funded employers, HMOs, and PPOs to best meet the unique needs of their clients. Moreover, the company possesses strong experience in collaborating with pharmacy benefit managers (PBMs) and other specific pharmacy providers. Notably, HUB International's Colorado Springs office stands as a prime example of their capabilities. They have successfully collaborated with Tekworks Inc, an information industry employer with 170 members. In close partnership with the HR and finance teams of Tekworks Inc, HUB International assisted in establishing a comprehensive self-funding arrangement, HMO plan, PPO plan, PBM, and drug plan tailored to the specific needs of the members. As one of the leading brokerages in the Colorado Springs market, HUB International boasts an exceptional M Score, reflecting their extensive experience and expertise across diverse client sizes, industries, and product offerings. The company's strong competency extends to industries such as depository credit intermediation, educational services, and lessors of real estate. With an extensive client base spanning Colorado, New Mexico, California, Nevada, Arkansas, and Idaho, HUB International's Colorado Springs location serves notable employers such as American Furniture Warehouse, Arkansas Valley Regional Medical Center, Premier Mortgage Resources, and Prospect Education.

Mesirow is an independent, employee-owned financial services firm founded in 1937. Headquartered in Chicago with offices around the world, we serve clients through a personal, custom approach to reaching financial goals and acting as a force for social good. With capabilities spanning Global Investment Management, Capital Markets & Investment Banking, and Advisory Services, we invest in what matters: our clients, our communities and our culture. To learn more, visit www.mesirow.com and follow us on LinkedIn. Mesirow was also recently named one of the Best Places to Work in Chicago by the Chicago Tribune and one of the Top Places to Work by Crain’s Chicago Business.

Novo Benefits is a highly regarded insurance broker serving clients in Colorado and Nebraska. With their office located in Englewood, Colorado, they have established a strong reputation for exceptional customer service and expertise. One notable example of their outstanding work is their collaboration with the Wyoming Mental Health Association, a prominent employer in the outpatient care centers industry with 110 members. Novo Benefits worked closely with their HR and finance team to design a customized self-funding arrangement tailored to meet the unique needs of the association's members. Their client portfolio includes renowned organizations such as Colorado West Healthcare System, Nebraska Beef, Union Bank & Trust, and Ayars & Ayars, Inc. Novo Benefits caters to a wide range of clients, from large corporations to midsize employers, and their extensive experience and expertise across various industries contribute to their impressive M Score. Novo Benefits has demonstrated a strong command of multiple sectors, including healthcare and social assistance, nonresidential building construction, and support activities for mining industries. They possess a wealth of knowledge in working with self-funded employers, highlighting their expertise in structuring cost-effective and comprehensive insurance solutions. Clients consistently praise Novo Benefits for their exceptional customer service and deep understanding of the insurance landscape. With a commitment to providing tailored insurance solutions and a track record of success, Novo Benefits stands out as a trusted and reliable partner for businesses seeking comprehensive and effective insurance coverage.

Patriot Growth Insurance Services, LLC in Denver, CO, boasts a sizable office equipped to cater to the diverse needs of employer benefits buyers. With extensive experience in dealing with self-funded clients, this office stands out as a valuable resource for comprehending stop loss and limits, pharmacy costs, and HR consulting. Their proficiency extends across various industries, including advertising, public relations, real estate, and furniture/home furnishing merchants. As part of a regional insurance broker firm, Patriot Growth Insurance Services, LLC in Denver specializes in serving midsize, large, and small employers, showcasing a comprehensive understanding of the intricacies within each sector. This broker's expertise is exemplified by its diverse clientele, including renowned companies like Booyah Advertising, Cooper Heating & Cooling, and Engrain, each with participant numbers exceeding 130. With a track record of success and a keen focus on activities related to real estate, furniture, and home furnishing merchant wholesalers, Patriot Growth Insurance Services, LLC in Denver emerges as a trusted partner in navigating the complexities of employer benefits. This larger office is poised to provide tailored solutions, leveraging its regional presence and demonstrated experience to deliver optimal outcomes for businesses seeking insurance and benefits services.

AssuredPartners is a highly rated national insurance broker with an office located in Fort Collins, Colorado. With a strong focus on customer service and expertise, they serve clients of large and midsize employers across various industries. Known for their exceptional work with self-funded employers, AssuredPartners has extensive experience in pharmacy benefit management (PBM) and works with specific pharmacy providers to tailor solutions to their clients' unique needs. In the Fort Collins market, AssuredPartners stands out as one of the top brokerages, boasting a wide range of experience and expertise. A notable example of their work is their collaboration with Market Force Information LLC, an employer in the professional, scientific, and technical services industry. AssuredPartners partnered with Market Force Information's HR and finance team to establish a self-funding arrangement, PBM, and drug plan designed specifically for the company's 80 members. AssuredPartners' Fort Collins office serves clients not only in Colorado but also in Texas and Washington. Their expertise spans various industries, including management, scientific, and technical consulting services, architectural, engineering, and related services, as well as nondepository credit intermediation. Some of their notable employer clients in the area include Ally Consulting LLC, Customer Engineering Services, Cucina Cucina Acquisition LLC, and Kalypso Lp. With their strong track record, wide-ranging expertise, and commitment to exceptional customer service, AssuredPartners is a trusted insurance broker for employers seeking tailored solutions and reliable support in the ever-changing insurance landscape

AssuredPartners offers medical insurance, voluntary benefits and other services for all sizes of employers in the Denver-Aurora-Lakewood, CO Metro Area. The CO area has 1,280,400 employees that are able to access the AssuredPartners office in Denver for voluntary benefits. One of the top agencies in CO is APCO due to their extensive experience. APCO provides medical insurance, Voluntary Benefits and Retirement Services. The M Score at APCO is 5 due to customer feedback and a broad range of experience. One of the leading insurance brokerages in Denver, AssuredPartners, has an extensive background helping companies both big and small with their Workers' Compensation needs. Their staff is knowledgeable in what is required by law and can help you navigate through the complex world of regulatory compliance. AssuredPartners offers competitive rates while providing prompt service to all its clients. AssuredPartners understands that only prompt response will keep their client business running smoothly while saving money at the same time.

At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.