We are a full service employee benefits, actuarial, investment, and compensation consulting firm with over 40 years of experience providing consulting services to clients in the Public and Corporate Sectors, Nonprofit Organizations, as well as for the Federal Government. We build long-term partnerships with our clients by delivering understandable, insightful, and impactful solutions to complex benefits issues so that they can best manage future financial risks and provide valuable benefits to their employees.

Armfield Harrison & Thomas is a reputable regional insurance broker with an office located in Holmdel, New Jersey. With a strong focus on serving clients of large and midsize employers, they have established themselves as a trusted partner in the insurance industry. A notable example of their expertise is their collaboration with Fi-Tek, a leading employer in the computer systems design and related services industry, employing 130 members. Armfield Harrison & Thomas worked closely with the HR and finance team at Fi-Tek to develop a tailored pharmacy benefit management (PBM) and drug plan that caters specifically to the unique needs of their members. This showcases their strong experience in working with self-funded employers and their commitment to providing customized insurance solutions. With an extensive portfolio of employer clients in the Holmdel, New Jersey area, Armfield Harrison & Thomas has developed a solid reputation for delivering exceptional insurance services. Their roster of clients includes AdvantageCare Rehabilitation Services, Deep Foods Inc., Fieldstone Properties I LLC, and Fi-Tek. Armfield Harrison & Thomas's success can be attributed to their wide range of experience and expertise across client sizes and industries. They have developed strong competencies in office administrative services, health practitioners, and computer systems design and related services. This broad knowledge base enables them to provide comprehensive insurance solutions that effectively meet the needs of their diverse client base. Driven by a commitment to excellent service and a deep understanding of the insurance landscape, Armfield Harrison & Thomas is dedicated to building long-term partnerships with their clients. They strive to deliver tailored insurance coverage that provides peace of mind and addresses the specific risks and challenges faced by their clients in the ever-evolving business environment.

Sapoznick Insurance, situated in the heart of New York, NY, operates from a larger office, strategically positioned to serve the diverse needs of employers in the region. With a proven track record, this office specializes in catering to midsize employers, showcasing a wealth of experience in the intricacies of the insurance landscape. As part of a regional insurance broker firm, Sapoznick Insurance leverages collective expertise to provide comprehensive solutions tailored to the unique challenges faced by businesses. One of their standout strengths lies in their adept handling of self-funded clients, offering valuable support to local and regional employers. The office has successfully navigated the insurance needs of prominent organizations, such as the Center For Family Representation in the legal services industry, boasting 100+ participants, Advanced Power Technologies in the services to buildings and dwellings sector with 40+ participants, and D W L International Trading Ll in professional and commercial equipment and supplies merchant wholesalers, overseeing a substantial workforce of 280+ participants. Sapoznick Insurance showcases a diverse portfolio, excelling in industries such as automobile dealers, professional and commercial equipment and supplies merchant wholesalers, and services to buildings and dwellings. Their commitment to excellence and demonstrated proficiency makes them a reliable partner for employers seeking comprehensive insurance solutions in the dynamic landscape of New York's business environment.

Kore HealthBenefits, located in the heart of New York, NY, stands out as a trusted insurance broker specializing in employer benefits. With a robust focus on medical and ancillary benefits, this office has cultivated a strong reputation for delivering expertise tailored to both local and regional employers. The team at Kore HealthBenefits excels in navigating the complexities of the insurance landscape, offering invaluable insights to optimize coverage for businesses in various industries. Among their notable clients, Kore HealthBenefits has proudly served Donjon Marine Co, a prominent player in the machinery, equipment, and supplies merchant wholesalers industry based in NJ. With a participant count exceeding 270, their tailored solutions have seamlessly addressed the unique needs of this client. Similarly, the office has provided exceptional services to Mcelroy Deutsch Mulvaney & Carpenter, a key player in the legal services industry based in NJ, boasting 80+ participants. The office's expertise extends beyond industry boundaries, showcasing a deep understanding of the machinery, equipment, and supplies merchant wholesalers, as well as the legal services sectors. As a pivotal part of a local brokerage firm, Kore HealthBenefits in New York, NY, is committed to delivering comprehensive, client-centric solutions that empower employers to navigate the intricate landscape of employee benefits with confidence and success.

Ellowitch 3, LLC, located in the bustling heart of New York, NY, stands as a beacon of expertise in the realm of employer benefits. With a dedicated focus on medical and ancillary benefits, this office is a trusted partner for local and regional employers alike. One remarkable aspect of Ellowitch 3, LLC's portfolio is their strong affiliation with the local business community. They have nurtured invaluable relationships with companies like Rose Brand Wipers, a prominent player in the miscellaneous manufacturing industry based in neighboring New Jersey. Serving over 260 participants from Rose Brand Wipers, Ellowitch 3, LLC has consistently demonstrated their ability to tailor benefits solutions to meet the unique needs of diverse organizations. As a vital component of a local brokerage firm, Ellowitch 3, LLC distinguishes itself through its deep-rooted knowledge of the regional insurance landscape. This local insight allows them to navigate the intricacies of New York and its surrounding areas, ensuring that their clients receive comprehensive and well-informed guidance. With a strong track record of supporting businesses in the region and a commitment to providing top-tier benefits solutions, Ellowitch 3, LLC is the go-to choice for employer benefits buyers seeking a partner with unrivaled local expertise and a proven record of success.

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.