Employee Navigator

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231.640.0022

Employee Navigator

Secure Client Upload

231.640.0022

LargeR BUSINESSES (50+ Employees)

Your Benefits Program Doesn’t Take Summers Off. Neither Do We.

Most advisors show up at renewal. At Traverse Benefits, you can expect us to stick around. We stay in it, managing the details and keeping your benefits program running the way it should.

Smiling business owner over Traverse City scene, symbolizing insurance for individuals and small businesses.

At 50+, it’s not the plan that breaks. It’s everything around it.

Most firms still operate like benefits are a once-a-year event.

But as your company scales, that model stops working. Compliance comes into play. And your HR team fills the gap:

  • Employee questions without a clear owner
  • Inconsistent processes across hires and locations
  • Compliance exposure that builds over time
  • Benefit decisions that don’t connect to cost or utilization

At this size, the issue isn’t the plan.
It’s who’s responsible for keeping it running.

Most Firms Provide Access to Insurance, Traverse Benefits Manages the System Around It

Boutique By Design

Intentionally small so every client gets the attention their program deserves.

Independent By Choice

No carrier pressure. No quotas. Every recommendation shaped by one thing: what’s right for your business.

Local By Nature

Based in Traverse City. Working across Northern Michigan. We know this market because we’re part of it.

WHAT FULL-SERVICE LOOKS LIKE

We Manage the Program.
You Run the Business.

Most brokers stop at the placement. We stay for the reality – handling everything from your long-term financial structure to the “emergency” call hitting your HR manager’s desk.

Financial Structure & Cost Control

Built to hold up as you scale

  • Funding strategy (fully insured, level funded, self-funded)
  • Renewal positioning
  • Carrier negotiation
  • Market benchmarking
  • Cost control
  • Pharmacy oversight
  • Stop-loss strategy
  • ICHRA solutions

HR & Employee Support

Accessible and consistent for your team

  • Direct access for HR and employees
  • Claims advocacy
  • Issue resolution
  • New hire onboarding
  • EAP, wellbeing and disability coordination

Execution & Administration

Handled without gaps

  • Open enrollment (group & individual support)
  • New hires and life events
  • Payroll and platform alignment
  • COBRA, Medicare transitions
  • ACA tracking

Billing & Data Oversight

Kept accurate and aligned across systems

  • Invoice reconciliation and discrepancy resolution
  • Enrollment and eligibility audits
  • Carrier discrepancy resolution
  • Termination tracking and system alignment
  • Claims reporting and cost visibility
  • Trend reviews and planning

Compliance & Plan Governance

Maintained, not revisited last minute

  • Plan documentation
  • ERISA Oversight
  • ACA, RxDC, and Form 5500 coordination
  • Required notices
  • Documentation control

Ongoing Advisory

Adjusting as your business changes

  • Claims and utilization review
  • Vendor and pharmacy evaluation
  • Market validation and RFP support
  • Planning through growth, and change
  • Workforce alignment and financial objectives

Also Part of the Partnership

Your HR Infrastructure, Sorted

Onboarding programs, compliance policies, handbooks, regulatory updates, and HR audits. If your HR infrastructure hasn’t kept pace with your headcount, that’s where we start.

Complete Benefits Your Team Will Notice

Group, whole, key man, and voluntary supplemental options structured alongside your core benefits – competitive without being overcomplicated.

Smiling business owner over Traverse City scene, symbolizing insurance for individuals and small businesses.

IS THIS A FIT?

Most Groups We Work With Aren’t Starting From Scratch.

They’re working around a system that no longer scales cleanly.

  • HR is stretched and benefits admin is pushing them past their limit.
  • Renewal feels like a fire drill, not a strategy session.
  • You’ve outgrown a broker who was good at selling and not much else.
  • Compliance keeps you up at night – you want someone accountable for it.
  • Employees need real answers, not a call center and a PDF.
  • You want to know what it’s costing you and why.

If this feels familiar, you don’t need a new plan. You need someone running the system.

Ready To Stop Managing Your Benefits Alone?

No more chasing answers or doing your broker’s job. Let’s review your current setup and find exactly where we can simplify your processes and optimize your financial structure.

Andi Traverse Benefits Headshot

Wise and Nimble Insights

How May We Serve You?