The renewal shock
Every year the increase lands, and every year you're told "that's just the market."
EGRAB designs, prices and runs your employee benefits — medical, dental, vision, life, retirement and more — with options like level-funded medical that used to be reserved for large employers.
30 minutes. No cost, no obligation. Bring your current renewal and we'll tell you what we see.
Most business owners we meet aren't unhappy with benefits in theory. They're tired of how it actually goes every year.
Every year the increase lands, and every year you're told "that's just the market."
You pay full premium whether your team is healthy or not, and the carrier keeps whatever's left.
Good people take the offer with the better health plan, even when your pay is competitive.
Questions go unanswered for days. Your employees end up calling you instead.
Enrollments, COBRA notices, 1095 filings, Section 125 paperwork — and the worry that something was missed.
Medical here, 401(k) there, payroll somewhere else, and nobody looking at the whole picture.
No pressure and no paperwork to start. You'll know exactly what you're getting before you decide anything.
Tell us about your team and what's frustrating you. Send your current renewal or plan summary if you have it.
We review your current plans and costs, then price alternatives with our carrier and strategic partners — including level-funded options if you qualify.
You see your current plan next to the options, in plain English, with the trade-offs spelled out. Keeping what you have is a fine answer.
If you move forward, we handle enrollment, employee communication and the transition. Your team gets portal access and knows who to call.
HR hotline, compliance filings and ongoing check-ins, then a proactive renewal strategy well before your next deadline.
Have you considered how a level-funded or self-funded plan might benefit your small business?
A fully insured plan can be the right choice for many employers. You pay the carrier a fixed premium, and they take on the risk. But they also keep whatever your team doesn't spend on claims. Level-funded and self-funded plans work differently. You fund your team's expected claims, administration, and stop-loss protection. When claims come in under target, your business can keep part of what goes unused.
One fixed payment each month, so cash-flow planning stays simple.
When claims run below target, part of the surplus may come back to you through a year-end refund or retained savings.
Large or unexpected claims are covered, so a bad year doesn't break the budget.
See where your benefit dollars go and design a plan around your team's actual needs.
Who it fits best: Employers with a generally healthy workforce who want more control over costs and more insight into where their money goes.
We compare all three, fully insured, level-funded, and self-funded, and recommend what's right for you. If a fully insured plan is your best option, we'll tell you.
We'll show you which funding option fits your team.
No need to piece together carriers and vendors. We build the full package, and you can start with one line of coverage or bring us everything.
Need HR compliance or payroll too? EGRAB does that as well. See HR Compliance & Payroll
A broker places your plan. EGRAB is an employer consultant: we look at benefits as part of how you hire, keep and pay your people.
Many brokers only quote fully insured renewals. We compare fully insured, level-funded, self-funded and alternative plans so you see every realistic option.
Benefits don't sit in a silo. We also handle HR compliance, payroll and consulting, so enrollment, deductions and filings line up.
An HR hotline and online portal for your employees, plus a team that answers between renewals.
Large-employer plan designs, scaled and priced for companies your size.
A North Texas team based in Las Colinas, led by Ken and Maria, who stay involved with your account.
| Comparison | Typical broker | EGRAB |
|---|---|---|
| Plan types quoted | Mostly fully insured | Fully insured, level-funded, self-funded and more |
| Contact between renewals | Limited | HR hotline + portal year-round |
| HR compliance & payroll | Separate vendor | Same team |
| Administration (COBRA, 125, 1095) | Often left to you | Handled |
Yes. Many of our clients came to us from another broker. A review costs nothing, and if your current setup is the right one, we'll tell you.
No. The benefits review and plan comparison are free, with no obligation.
We handle enrollment, communication and portal setup. Employees get clear instructions and a number to call, and you aren't left managing the transition.
Level-funded plans include stop-loss coverage that protects you from large or unexpected claims. Your monthly cost is fixed, so the main difference is the chance of a refund in a good year.
Ideally 90–120 days before your renewal date. That gives time to compare options without rushing. If your renewal is closer, call anyway.
In most cases, yes. We check network access for your team's key providers before recommending a change.
No. EGRAB also provides HR compliance, payroll and HR consulting. You can use one service or all of them.
Book a free 30-minute benefits review. Bring your current renewal or plan summary, and we'll show you where you stand and what your options are — including whether level funding could work for your team.
Book a Free Benefits Review
No cost. No obligation. Prefer to talk now?
Call or text (972) 810-1474, Monday–Friday, 8 AM–6 PM Central.