Advocate
Pull up a chair.
Let's talk benefits.
No jargon. No gatekeeping. Just a clear-eyed look at what your people are actually covered for — and what's quietly slipping through the cracks.
Who are you building benefits for?
Every benefits package hides a few ugly surprises.
Here's what your people are probably dealing with right now — and what it's quietly costing you.
The Coverage Gap Monster
A paralegal visits an out-of-network specialist. The EOB arrives two months later for $4,200. No one told her the plan only covered in-network mental health. The enrollment booklet was 64 pages.
of employees don't read their benefits guide
Enrollment Confusion
Open enrollment is 14 days. The HR portal times out every 20 minutes. Three teachers miss the deadline and spend the year on the wrong plan.
employees make enrollment errors they can't undo
The Compliance Penalty
An ACA reporting error from two years ago surfaces as a $47K penalty. The city manager had no idea the vendor was filing incorrectly.
average compliance penalty for mid-size employers
The Retention Leak
A paramedic with 6 years in gives notice. The neighboring county offers a $3K higher retirement match. Your package was actually competitive — nobody ever explained it to her.
more likely to stay when employees understand their benefits
Sound familiar? We've fixed all of these. Here's proof.
What it looks like when benefits finally work.
Flip any card to see the specific benefit structure underneath.
A 60-attorney regional firm
Associates were leaving after 18 months
Mid-level associates cited "unclear benefits" as the #2 reason for departure in exit interviews. The firm had a competitive package — but no one could explain it.
Associate retention, year 1
The benefit structure
Retention jumped 22% in one year
Retirement Match
4% immediate vest, no 2-year cliff
Dental Plan
PPO with in-network ortho coverage
Legal Shield
Personal legal coverage for associates
Onboarding Guide
1-page plain-language benefits summary
We rebuilt the enrollment guide from scratch, added a benefits explainer session...
A 1,200-member teachers' union
$340K in unused mental health benefits
The union had negotiated excellent mental health coverage two contracts ago. Utilization was under 12%. Members didn't know they were covered, or how to access it.
Saved on contract renewal
The benefit structure
$180K in net savings on renewal
Mental Health
Clear in-network access guide distributed
Dental Coverage
Upgraded from basic to PPO with ortho
Enrollment Guide
Mailbox-ready 2-page plain-language doc
Unused Riders
Eliminated $160K in unused premiums
We restructured the plan to eliminate underused riders, redirected savings into ...
A mid-size city in the Pacific Northwest
Paramedics leaving for adjacent county
The city was losing paramedics to a neighboring county offering $3K more in retirement match. The city's total compensation was actually higher — but the benefits weren't legible.
Paramedic departures in 14 months
The benefit structure
Zero paramedic departures in 14 months
Total Comp Statement
Annual plain-language summary for each employee
Retirement Match
Reframed as 5-year trajectory chart
Legal Shield
Activated same-week for qualifying events
Compliance Filing
ACA reporting moved to compliant vendor
We produced a total compensation statement that made the full picture visible — ...
Your organization has its own version of these stories. Let's find it.
Take the Benefits Gap AssessmentSee exactly what your people are missing.
Five questions. Immediate results. No contact info required until you decide you want them.
What type of organization are you?
Pull up a chair. The coffee's on us.
Thirty minutes. No intake form longer than a sticky note. Just a conversation about what your people are covered for — and what they should be.
30 minutes
No marathon intake sessions
Plain language
We leave the jargon at the door
Real takeaways
You leave with something actionable
No obligation
No pitch, no invoice, no pressure
Book a 30-Minute Consultation
March 2026
Available times — March 10
"I expected a sales pitch. Instead I got a 30-minute education. We signed two weeks later."
Patricia Osei-Bonsu
HR Director, mid-size law firm
"They found a compliance error that would have cost us $38K. The call paid for itself before it ended."
Ramón Delgado-Fuentes
City Manager, Pacific Northwest