At Integrum Advisors, we come to work each and every day to ensure we have you covered. We take pride in providing sound advice to all of our clients. Our job is not done until you have complete peace of mind that you and your employees are receiving the best benefits and service available.

Design Benefits Inc., based in Charlottesville, VA, is a seasoned player in the insurance brokerage industry, with over 35 years of experience. Their services cater to a diverse range of clients, including individuals, employers, and employees, with a particular focus on midsize employers. The firm's expertise lies in creating tailored insurance and employee benefit programs, especially in the fields of health, life, disability, and retirement benefits. Their clientele includes prominent organizations such as Perry Engineering Company in the specialty trade contractors industry, boasting over 100 participants, and the Southern Environmental Law Center in the legal services sector, serving more than 170 participants. This highlights their proficiency in dealing with companies in the legal services industry. As a local brokerage firm, Design Benefits Inc. prides itself on its deep understanding of the regional market dynamics and employer needs. Their approach is centered around building long-term relationships with their customers, striving to not just meet, but anticipate and fulfill their evolving insurance and benefit requirements. This customer-centric philosophy, combined with their comprehensive range of services, positions them as a reliable partner for businesses seeking to enhance their employee benefits offerings.

Dye & Eskin, Inc. is one of the most prominent and trusted independent administrators of life and disability insurance products for highly compensated employees in the world. D&E is one of the most unique insurance entities in the world. Prior to the formation of D&E in 1980, Frank Dye and Rick Eskin were independent insurance salesmen with most of their attention centered in the advanced markets of estate planning and executive benefits for individuals and companies. In year 2000 much of the firm’s direction changed to the development of insurance products — teaming up with prominent insurance companies, as an administrator, to introduce products/programs that otherwise had not previously existed. D&E creates specialized, guarantee and simplified issue type life and disability insurance programs in the executive and employee benefits area. D&E is an internationally recognized insurance agency with insurance programs in all 50 U.S. states, and coverage in 38 separate countries. We specialize in marketing, administration, consultation, and sale of life and disability insurance products. D&E has built a reputation founded on the principal of integrity — and a mission committed to bringing quality products, competitive pricing, and dedicated service to agents, brokerage general agents, consultants, and clients. D&E markets to agents, brokerage general agents, and consultants — educating these entities to the value of our unique programs, so that they, in turn, will enlighten their prospects and clients. The D&E model for success has been a long term desire to produce value via creative solutions to corporate benefit needs — “Creating Victories®.” D&E has introduced a series of “first in the industry” programs… A-List Term™ InTERM® Corporate Excess Disability insurance (CEDi)® LTD5

Capital Group Benefits is a highly regarded insurance broker serving clients in Virginia, Maryland, and West Virginia. With an office located in Gainesville, Virginia, this local insurance consultant has gained a reputation for outstanding customer service and expertise. Their strong track record is exemplified by their successful collaboration with DSFederal Inc, a prominent employer in the management, scientific, and technical consulting services industry. Capital Group Benefits worked closely with DSFederal's HR and finance team to develop tailored insurance solutions, including a self-funding arrangement, HMO plan, PPO plan, and specialized pharmacy benefits. This level of attention to their clients' unique needs sets them apart. The office of Capital Group Benefits caters to a diverse range of employer clients, including notable companies such as American Public Education Inc, DirectViz Solutions, LLC, F.H. Furr Plumbing, Heating, Air Conditioning Inc, and Adcomm Digi Tel LLC. Their extensive experience and expertise extend to various industries, including management consulting, scientific consulting, technical consulting, computer systems design, and building equipment contracting. Capital Group Benefits' exceptional M Score reflects their comprehensive knowledge and success in working with clients of all sizes and industries. Recognized for their proficiency in handling self-funded employers, HMOs, and PPOs, Capital Group Benefits consistently delivers tailored insurance solutions that meet the specific requirements of their clients. Their expertise also extends to working with pharmacy benefit managers (PBMs) and other specialized pharmacy providers, ensuring comprehensive coverage for members. With a strong emphasis on customer service and a broad range of experience, Capital Group Benefits stands out as a trusted partner for employers seeking comprehensive and tailored insurance solutions.

McGriff Insurance Services, a national insurance broker, operates an office in Winchester, Virginia, catering to clients of various sizes, including both large and small employers. With a focus on delivering comprehensive insurance solutions, McGriff Insurance Services has established itself as one of the top brokerages in the Winchester market. The Winchester office's notable client is Commerce Lexington Inc, a prominent employer in the insurance-related activities industry, boasting 970 members. Collaborating closely with Commerce Lexington Inc's HR and finance team, McGriff Insurance Services successfully implemented a customized PPO plan, as well as a well-designed PBM and drug plan, tailored to meet the unique needs of their members. With extensive experience in the insurance industry, McGriff Insurance Services has developed strong expertise in insurance-related activities and grocery and related product merchant wholesalers. Their knowledge spans various sectors and enables them to provide comprehensive coverage and expert guidance to their clients. McGriff Insurance Services' Winchester location proudly serves clients throughout Virginia, providing them with tailored insurance solutions and exceptional service. Their dedication to excellence and client satisfaction has contributed to their reputation as a trusted insurance partner in the region. In addition to Commerce Lexington Inc, McGriff Insurance Services serves other notable employer clients in the Winchester area, including Schenck Foods Company Inc. This diverse client portfolio showcases the breadth of their expertise and their ability to cater to the insurance needs of businesses across different industries. With their commitment to delivering personalized service, industry-leading expertise, and comprehensive insurance coverage, McGriff Insurance Services is well-positioned to meet the evolving needs of their clients in Winchester and beyond.

At Mercer, we believe in building brighter futures. Together, our 25,000 employees in over 130 counties are helping redefine the future of work, reshape retirement and investment outcomes, and unlock real health and well-being. For over 75 years, we’ve provided trusted advice and solutions to build healthier and more sustainable futures for our clients, colleagues and communities. Balancing economics and empathy in our approach, we work side by side with you to find solutions to benefit your people and your business. By turning ideas into actions that spark positive change, we help you enrich employees’ lives and careers and drive innovation, progress and performance. Mercer is a business of Marsh McLennan. Get to know us better: Click the “learn more” button at the top of the page to discover everything we do to help you meet the needs of today and tomorrow. Follow us on Twitter at @Mercer.

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

We are people helping people, passionate to do what is best for our clients. Our agents are knowledgeable, professional, and know you. We endeavor to be your trusted insurance adviser, providing the right fit for your insurance needs. As one of the largest insurance agencies in the area, our clients enjoy access to hundreds of insurance companies with best-in-class pricing. We provide our clients all of the resources and benefits of a large agency without sacrificing the most important aspects: local customer service and management. Our agents are fully licensed and trained, providing comprehensive coverage to our clients and their businesses. Through our partnerships with many of the major insurance companies, we offer complete insurance packages, whether home, auto, business, or employee benefits.