CBSI, based in Trenton, NJ, stands out as a noteworthy insurance brokerage, particularly for its adept handling of employer benefits. Characterized as a larger office, this branch of CBSI is part of a local brokerage firm that has established a notable presence in the region. Their expertise shines in catering to both small and midsize employers, demonstrating a keen understanding of the unique needs and challenges faced by these businesses. The team at CBSI Trenton is particularly adept in dealing with industries such as accounting, tax preparation, bookkeeping, and payroll services. Their proficiency is further highlighted by their successful partnerships with top customers like Sax, which operates within the accounting and payroll services sector and has over 140 participants. This showcases their ability to manage complex benefits packages for a sizable workforce. Additionally, CBSI's prowess extends to the healthcare sector, where they have shown great skill in working with health practitioners. A prime example is their collaboration with Reformed Church Home in New Jersey, catering to over 60 participants. This experience underscores their capacity to navigate the intricacies of medical and ancillary benefits, which are critical in the healthcare industry. What sets CBSI in Trenton apart is their deep-rooted understanding of local and regional market dynamics. This local expertise, combined with their broad experience across various industries, makes them a valuable partner for employers looking to navigate the complexities of employee benefits. Their approach is tailored, ensuring that each client, regardless of size, receives dedicated and expert service.

Alera Group, formed in early 2017, has over 3,500 employees serving thousands of clients nationally. We have specialists in employee benefits, property and casualty, wealth and retirement plan services. Alera Group was created by the merging of 24 high-performing, entrepreneurial offices across the United States. Now, with new partner acquisitions across the country, we are serving clients with national expertise and resources paired with local, personalized service. Today Alera Group is the 7th largest privately held employee benefits firm, the 15th largest independent insurance agency, and the 16th largest privately held insurance firm in the United States. Alera Group companies are motivated by the desire to find a better way to serve clients nationally without losing the independent thinking and values of each individual office. Alera combines the national resources of its members to deliver the best possible outcomes for clients—positively impacting our employees, clients, communities and the lives of people where we serve. We look forward to our continued growth by partnering with individuals and companies who share our vision, mission and passion. To learn more about the Alera Group and how you could join our team, please visit our website.

Capstone, an insurance broker based in New York, NY, offers a comprehensive range of services focusing on risk management, employee benefits, and insurance brokerage. Established in 2013, Capstone stands out in the mature insurance industry for its client-centric approach and technically sound risk management strategies. Their mission is to deliver results-driven solutions that surpass the expectations typically associated with traditional insurance and benefits brokers. The firm excels in serving local and regional employers, particularly in the medical and ancillary benefits sectors. They demonstrate significant expertise in the outpatient care centers industry, with notable clients such as Bright Harbor Healthcare in New Jersey, which has over 230 participants. This expertise is a testament to their ability to manage complex employee benefits programs effectively. Capstone's approach to employee benefits emphasizes productivity, growth, and a strong workplace culture, aiming to improve the overall health and wellbeing of employees. This focus on enhancing the bottom line through employee wellness is a cornerstone of their service offering, reflecting their commitment to ensuring the best possible outcomes for both employers and employees. Incorporating these elements into a business description for Capstone's New York location provides a comprehensive overview for potential employer benefits buyers, highlighting Capstone's strengths and specialized areas of service.

Allen & Stults Co., Inc., a local insurance broker headquartered in Hightstown, New Jersey, has built a strong reputation for their exceptional customer service and expertise. With a focus on serving large employers, they have established themselves as a trusted partner in the insurance industry. A notable example of their work in Hightstown is their collaboration with Faber Coe & Gregg Inc, an employer in the special food services industry with 280 members. Allen & Stults Co., Inc. worked closely with Faber Coe & Gregg Inc.'s HR and finance team to design and implement comprehensive insurance solutions tailored to meet the specific needs of their members. This branch of Allen & Stults Co., Inc. caters to a diverse range of employer clients in Hightstown, with Faber Coe & Gregg Inc. being one of their esteemed clients. Furthermore, they extend their services to clients across Utah, showcasing their commitment to providing exceptional insurance services in different regions. With their strong expertise in the special food services industry, Allen & Stults Co., Inc. offers specialized knowledge and tailored insurance solutions to address the unique challenges faced by businesses in this sector. They have garnered high ratings from their clients, reflecting their dedication to delivering top-notch customer service and leveraging their expertise to meet client needs effectively. As a local insurance broker, Allen & Stults Co., Inc. has earned the trust of their clients and continues to be a reliable partner in the ever-evolving insurance landscape.

There are two types of employers: those that know they are paying too much for health insurance and those in denial. There is only one thing standing in the way of this becoming a reality - unwillingness to explore alternative strategies. Two decades of managed care has sheltered employers and the their members from the truth. A lack of transparency and access to the cost and quality of healthcare has contributed to the problem. Simply put, employers have been lead to believe their insurers are negotiating the best prices. We can assure you that network 'discounts' are nothing more than a charade. In fact, employer sponsored health plans are a guarantee your company is paying 50% to 75% too much for prescriptions. Where does that money go? Right back to your Pharmacy Benefit Manager who is owned or owns your insurance carrier. This is unreported income for your insurer and it can be eliminated. This isn't a surprise to most but the extent of the problem is and until now, there was no ability for most employers to see the data. We changed that too. BritePath is our benefit strategy and our name. We help employers and their members forever change the trajectory of the cost and quality of their benefits. Ask yourself this question; Do we have a health insurance problem today? Let's assume for a second you say 'No'. Ok, five years from now the cost of your insurance increases 50% and the quality of your benefits deteriorates. Do you have a problem then? What has that done to your bottom line? What has that done to your ability to attract and retain the best talent? Don't wait five years to find out. Contact BritePath today and get a second opinion that with provide Insights, Analytics, Engagement and Elevate your plan and your people.

Dickstein Associates Agency, located in New York, NY, is a notable insurance broker, particularly renowned for its expertise in serving local and regional employers. This larger office, being a part of a local brokerage firm, demonstrates a robust understanding of the unique needs and challenges faced by businesses in this area. One of their significant strengths lies in their comprehensive knowledge of medical and ancillary benefits, which is critical for companies aiming to offer competitive and comprehensive employee benefit packages. Their proficiency in these areas is particularly beneficial for midsize employers, as they can provide tailored solutions that balance cost-effectiveness with extensive coverage. A testament to their capability is their successful partnership with Ipkeys Technologies, a prominent player in the computer systems design and related services industry based in New Jersey. Dickstein Associates has adeptly managed benefits for over 140 participants at Ipkeys, showcasing their ability to handle complex benefits structures for a significant number of employees effectively. Furthermore, the agency's specialization extends to the broader computer systems design and related services industries, highlighting their adaptability and in-depth industry-specific knowledge. This expertise allows them to design benefits plans that are not only comprehensive but also aligned with the specific needs of industries that are rapidly evolving and highly technical. Overall, Dickstein Associates Agency stands out for its local focus, industry-specific expertise, and commitment to delivering customized benefits solutions that cater to the nuanced needs of midsize employers in the New York region.

Johnson, Kendall and Johnson (JKJ) is an insurance brokerage and risk management firm located in Newtown, PA that has been managing corporate and personal needs for over fifty years. JKJ's personalized services in Property & Casualty Insurance, Risk & Safety Management Services and Claims Consulting, Group Benefits, Individual Life, Home and Asset Protection Program Development, Financial Services and Retirement Planning allows JKJ clients to focus on their respective businesses while JKJ provides direction in managing the risk. Our diverse clientele challenges us to create programs unique to each client. Johnson, Kendall & Johnson is licensed in various lines of business in all 50 states, with access to all of the major insurance markets. In addition, we are founding board members of RiskProNet International and UNIBA. These organizations support JKJ and one another’s ability to work with and provide dedicated service to international clients, conducts various business lines in all 50 states, with access to all of the major insurance markets. Please Go to Security Disclosures: http://www.jkj.com/social-media-disclosures/