Employee Benefit Consulting Services
Independent, fee-based guidance for Florida employers on group benefits plan design, ERISA compliance, and cost management — from a Fort Myers-based consultant, not a call center.
What does an employee benefits consultant do?
We work as an independent employee benefits broker for Florida businesses — comparing medical, dental, vision, life, and disability options across carriers, then handling the plan design, enrollment, and renewal work that keeps a benefits package competitive without becoming a full-time job for ownership or HR.
Group Benefits Plan Design
Structuring contribution strategy, plan tiers, and carrier selection around your budget and workforce.
ERISA Compliance Consulting
Plan documents, summary plan descriptions, and required notices kept current and audit-ready.
Employee Benefits Compliance Audit
A structured review of existing plans against ERISA, ACA, COBRA, and HIPAA requirements.
Broker & Renewal Management
Ongoing carrier negotiation, claims support, and renewal analysis as an employee benefits broker.
Built for Florida employers of every size
Most employers offering a group health plan are subject to ERISA regardless of headcount — a two-person office and a two-hundred-person company face the same core documentation and disclosure requirements. We help with:
Florida employee benefits compliance, handled locally
Based in Fort Myers, we work directly with business owners across Southwest Florida who want a Fort Myers employee benefits consultant accountable in person — not a rotating account manager at a national brokerage. Florida employers navigate state-specific considerations alongside federal ERISA, ACA, and DOL rules, and having a local advisor on the other end of the phone matters when a claim or compliance question needs an answer quickly.
Common questions
What does an employee benefits consultant do?
An employee benefits consultant helps employers design, price, and administer group benefit plans — medical, dental, vision, life, and disability coverage — while advising on compliance, carrier negotiations, and cost management. As an independent broker, we compare options across multiple carriers rather than representing just one.
What is a compliance audit for employee benefits?
A benefits compliance audit reviews your group health and welfare plans against ERISA, ACA, COBRA, and HIPAA requirements — checking plan documents, summary plan descriptions, and required notices to catch gaps before they surface in a Department of Labor inquiry.
Do small businesses need ERISA compliance?
Yes — most small businesses offering a group health plan are subject to ERISA regardless of size, with narrow exceptions for government and certain church employers. Even a handful of enrolled employees typically requires plan documents and participant disclosures.
How much does an employee benefits consultant cost?
Many consultants are compensated through carrier commissions built into the premium, at no separate cost to the employer. Others charge a flat fee for standalone compliance audits or plan design projects. Cost depends on group size, scope, and whether ongoing administration is included.
Have a question about your benefits plan?
Reach out for an unbiased review of your current employee benefits plan, compliance standing, or renewal options.
(239) 489-0084 · 3949 Evans Avenue, Unit 300, Fort Myers, FL 33901
tylerharrelson@asofsp.com
