Employee Navigator

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231.640.0022

Employee Navigator

Secure Client Upload

231.640.0022

Group Benefits for Small Teams in Northern Michigan

Growing a small team is hard enough. Your benefits shouldn’t make it harder.

While the industry ignores “smaller” organizations, we champion them. Traverse Benefits provides the year-round advocacy and administrative depth required to keep your business moving forward.

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

SOUND FAMILIAR?

You didn’t start your business to spend Tuesday afternoons on benefits problems.

  • Your last renewal arrived and caught you off guard. Again.
  • An employee had a claim issue. It became your problem to chase.
  • You approved a plan you didn’t fully understand because nobody explained it.
  • You want to offer better benefits, but don’t know where to start.
  • Your broker treats your account like it’s too small to matter.

That’s not a small business problem. That’s a broker problem.

If you’re done dealing with this,
we’ll take it from here.

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 or quotas. Every recommendation shaped by one thing: what’s right for you.

Local By Nature

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

HERE’S WHAT YOU WON’T HAVE TO THINK ABOUT ANYMORE

Built for small teams that need clarity,
not complexity.

Support that keeps your benefits working as your business changes.

Plan Design & Cost Management

Built to fit your team, not overwhelm it.

  • Fully insured and level funded strategies
  • Renewal positioning 
  • Carrier selection and negotiation
  • Market comparison
  • Cost control
  • Pharmacy Contribution and eligibility structuring 
  • Individual Coverage HRA (ICHRA)
  • Qualified Small Employer HRA (QSEHRA)
  • Pharmacy oversight
  • Ancillary benefits (dental, vision, life, disability)

HR & Employee Support

Employees get answers without everything coming back to you

  • Direct access for HR and employees
  • Claims advocacy
  • Issue resolution
  • Employee and family guidance
  • New hire education
  • Ongoing communication
  • Wellbeing and disability program coordination

Execution & Administration

Handled so the day-to-day doesn’t land on you

  • Open enrollment
  • Enrollment processing and verification
  • Payroll and platform alignment
  • New hires and life events
  • Dependent eligibility and transitions
  • COBRA coordination
  • Benefit continuation

Billing & Data Integrity

Keeps costs and records aligned without extra work for you

  • Invoice reconciliation
  • Carrier billing resolution
  • Enrollment accuracy
  • Termination tracking

Compliance & Documentation

Handled consistently, so you don’t have to track it

  • Summary Plan Descriptions
  • Section 125 administration
  • Required notices

Ongoing Guidance

So things don’t drift or fall out of sync

  • Claims review
  • Renewal preparation
  • Plan and carrier evaluation
  • Guidance when something changes or needs attention

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.

Also Part of the Partnership

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.

QUICK REALITY CHECK

This Isn’t About Bad Benefits. It’s About Benefits That Won’t Leave You Alone.

Where it shows up:

  • You’re fielding benefits questions more than you should
  • Renewal takes more effort than it should
  • Small changes create more follow-up than expected
  • You can’t fully step away from how it runs
  • It works, but only because you stay close to it

If that sounds familiar, your setup isn’t broken, it’s just not built for a team your size.

Still Dealing With This More Than You Should?

We’ll look at how your benefits are set up, where it’s creating extra work for you, and what a simpler setup could look like for your team.

Andi Traverse Benefits Headshot

Wise and Nimble Insights

How May We Serve You?