The core challenge
Rising premiums, limited plan flexibility, and thin internal HR bandwidth — with traditional ACA options that often aren't sustainable.
Bespoke Benefits is a full-service employee benefits partner for small and mid-sized US employers. Brokerage, strategic consulting, and hands-on managed services — all from one team that stays close, knows your business, and follows through.
One team. One plan. End-to-end.
Carriers · ICHRA · Level-funded · ACA · COBRA
Run benefits — not just place them.
Our managed services model in one line.Rising healthcare costs. Limited plan flexibility. HR teams stretched thin. We built Bespoke to give small and growing employers the strategy, structure, and support that used to be reserved for enterprise.
Rising premiums, limited plan flexibility, and thin internal HR bandwidth — with traditional ACA options that often aren't sustainable.
Level-funded plans, ICHRA, captives, and smarter plan design open real doors for cost control and richer coverage — if you know how to evaluate them.
Strategy, plan placement, and ongoing operational support in one team. We augment your HR capabilities and scale with you as you grow.
A one-stop-shop, all-inclusive experience across employee benefits and people operations — so your HR team can focus on people, not paperwork.
Sourcing, negotiating, and placing the right plans — backed by deep carrier relationships and market expertise.
Strategic, analytical, and advisory work that helps you design, optimize, and govern your benefits — independent of plan placement.
We act as an extension of your HR team — owning day-to-day administration, employee support, and compliance operations.
From core medical to ancillary and voluntary lines, we connect you with the right carriers and plans for your team.
Most brokers go quiet between renewals. We run a structured quarterly cadence so issues get found early and renewal isn't a fire drill.
Set priorities, confirm goals, review compliance and market updates. Run a full data audit across HR, benefits, and payroll for post-Go-Live accuracy.
Gather stakeholder and employee feedback. Review early plan performance and claims trends. Outline the renewal roadmap.
Market the renewal, review results, bring clear recommendations. Lock open enrollment planning, comms strategy, and execution readiness.
Lead OE execution, run post-enrollment audits, update payroll and HR systems, and validate data for a clean new plan year.
We're built for small and mid-sized US employers. Most of our clients are growing companies that have outgrown a PEO or need more strategic support than their current broker provides.
Yes. We routinely model fully insured vs. level-funded options and run ICHRA feasibility analyses — including employer classification, contribution modeling, and cost forecasting — so you can compare on real numbers, not theory.
Brokerage is placement and renewal. Consulting is strategy, financial analysis, benchmarking, and advisory work — independent of placement. Managed Services is the day-to-day: HRIS administration, employee support, COBRA, Section 125, ACA tracking, and vendor coordination. Many clients use all three; some only need one or two.
If you're on Managed Services, yes — our team is Tier 1–2 benefits support for your employees. We answer questions, help with claims, interpret EOBs, and resolve eligibility and coverage timing issues so your HR team isn't the help desk.
Yes. We can transition broker of record on existing policies without disrupting coverage and then re-market at your next renewal. We'll also audit your current setup for compliance gaps and quick wins along the way.
A 30-minute call to understand your team, your current plan, and what's working or not. No prep needed. You'll leave with a clear next step — whether or not it involves working with us.
Tell us a bit about your team and we'll come prepared with practical ideas — whether you're launching benefits for the first time, approaching renewal, or rethinking how your program is run day-to-day.