Priced like an afterthought
Growing employers get last year's plan, a double-digit increase, and a 20-minute renewal meeting. That's not a strategy — it's a rubber stamp.
EMPLOYEE BENEFITS STRATEGY · 20–500 EMPLOYEES
Benefits belong on the balance sheet, not the back burner.
We help companies with 20–500 employees design medical, dental, and vision programs that control cost, retain talent, and run like a system — not a once-a-year scramble.
Trusted by 500+ employers managing 10,000+ covered lives
500+
employer groups
99%
client retention
Fiduciary-grade strategy
PLACING COVERAGE WITH THE NATION'S LEADING CARRIERS
AetnaCignaUnitedHealthcareBlue Cross Blue ShieldMetLifeGuardianPrincipalKaiser Permanente
THE PROBLEM
The status quo wasn't built for companies your size.
Between the 50-person startup and the 5,000-person enterprise sits a blind spot — and most brokers treat it that way.
Advice that ends at enrollment
Most brokers disappear after open enrollment. Benefits strategy becomes a once-a-year event instead of an ongoing discipline.
Data you never see
You can't manage what you can't measure. Claims, utilization, and cost drivers stay locked inside the carrier's black box — until renewal.
THE CEO METHOD™
A four-part operating system for your benefits program.
The same rigor a CFO applies to capital — applied to the second-largest line on your P&L.
01
Audit
Forensic review of plan design, claims, contributions, and contracts to find the leaks others miss.
02
Architect
Multi-year plan design modeled against your headcount, budget, and talent strategy — funded the smart way.
03
Negotiate
Carrier and stop-loss negotiations backed by your data — not by relationships or guesswork.
04
Manage
Quarterly business reviews, compliance, and a living benefits roadmap you actually control.
SOLUTIONS
Full-stack group benefits — designed, placed, and managed.
One partner for every line of coverage your people rely on.
Medical
Self-funded, level-funded, and fully-insured strategies modeled side by side so you choose with eyes open.
Dental
Networks and plan tiers employees actually use — built to maximize perceived value per premium dollar.
Vision
Low-cost, high-satisfaction coverage that rounds out the package and lifts your benefits score.
Life & Disability
Group term life, short- and long-term disability, and executive carve-outs that protect your people and leaders.
Voluntary & Supplemental
Accident, critical illness, and hospital indemnity — funded by employees, valued like a raise.
HR, Compliance & Tech
ACA, ERISA, Form 5500s, and a benefits-admin platform that finally ends the spreadsheet era.
RESULTS
Outcomes, not promises.
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INSIGHTS
Ideas that move the benefits conversation forward.
Featured · Outlook
The 2026 Employer Benefits Outlook
Where premiums, pharmacy, and plan design are heading this year — and the three moves smart employers are making now.
Read the report
Plan Strategy · 5 min
Level Funding Is No Longer "Alternative." It's the Default. Are You Still Paying for Coverage You Don't Need?
Talent · 5 min
The New Retention Perk Isn't What You Think — And It's Coming Out of the Wrong Budget
Pharmacy · 5 min
The PBM Fight Is Happening in Courtrooms. Your Battle Is Happening at Renewal.
Cost Control · 5 min
The Real Cost of Unaffordable Benefits Isn't What You Think
Pharmacy · 5 min
Your Drug Costs Are Growing Faster Than Everything Else in Your Health Plan. Here's What to Do About It.
Plan Strategy · 5 min
Your Health Plan Is a Tax You Elected to Pay
Cost Control · 5 min
Stop-Loss Is the New Renewal Fight — And Most Employers Aren't Ready for It
Plan Strategy · 5 min
Level Funding Is No Longer "Alternative." It's the Default. Are You Still Paying for Coverage You Don't Need?
Pharmacy · 5 min
Your Drug Costs Are Growing Faster Than Everything Else in Your Health Plan. Here's What to Do About It.
Plan Strategy · 7 min
Why level-funding is quietly becoming the default for 50–250 employee companies
Cost Control · 6 min
The renewal negotiation playbook: 9 levers most employers never pull
Data & Analytics · 5 min
Pharmacy is the new battleground: how to read your Rx spend
Save the photo as kyle.jpg in this folder
FOUNDER · THE BENEFITS CEO
Kyle Kube
15+
years in benefits
ABOUT
Meet Kyle Kube.
Kyle Kube is an independent employee benefits strategist and founder of Think Insurance Group. With over a decade advising Colorado employers, Kyle has helped hundreds of businesses build benefits packages that attract top talent, reduce turnover, and protect the bottom line.
The Benefits CEO exists because most employers are overpaying for coverage their employees don't understand or use.
Colorado-licensed benefits advisor
15+ years in employee benefits
Founder, Think Insurance Group
Fiduciary, data-first approach
CLIENT VOICES
What changes when benefits get a strategist.
"They walked into our renewal with our own claims data and walked out with a double-digit increase erased. We'd never seen a broker do the math in the room."
"The quarterly reviews changed everything. Benefits stopped being a fire drill every fall and became something we actually plan around."
"Our offer letters got stronger overnight. Candidates notice when your benefits feel designed instead of bolted on."
FREE GUIDE · 23 PAGES
The 2026 Employer
The 2026 Employer
Benefits Playbook
The renewal levers, plan-design moves, and compliance checkpoints we use with our own clients — built for companies with 20–500 employees.
- 9 negotiation levers, with scripts
- Funding decision framework
- Compliance calendar & checklist
Let's pressure-test
your next renewal.
Book a 30-minute strategy call. We'll review your current program, flag your biggest cost and compliance risks, and show you what a smarter approach looks like — no obligation.
- A read on your current plan in 30 minutes
- The two or three risks costing you most
- A clear next step — whether or not we work together
Book a Benefits Strategy Call
30 minutes · Video or phone · Senior advisor
Choose a timePrefer email? hello@thebenefitsceo.com