Every year your renewal goes up and your options seem to shrink. CAER Financial Group takes apart how your benefits are structured, funded, and administered — then rebuilds them so your people are better covered and your business stops overpaying.
No cost for qualifying employers · No obligation · Most plans implemented in weeks
A line-by-line look at where your benefit dollars actually go.
Large corporations have teams of analysts negotiating every line of their benefits spend. Most small and mid-sized employers get a renewal notice and a deadline. The result is predictable:
We look at your plan the way a CFO would — premiums, deductible design, funding strategy, administration, and tax treatment — and find the dollars that are leaking out without improving anyone's coverage.
Then we put those dollars back to work for your business and your employees.
Corporate-level strategy, sized for your business.CAER brings strategic consulting, insurance coordination, and administrative support together under one roof — so your benefits finally work as a single, coordinated plan.
A structured evaluation and redesign of your group health plan to improve cost efficiency while keeping coverage strong.
Programs that help employees catch health issues early and stay well — improving outcomes while helping manage long-term claims costs.
Income protection and life coverage that protect your employees' families — one of the most valued, and most affordable, benefits you can offer.
Retirement plans that help your team build real wealth — and help you as the owner plan your own Freedom Date™.
Benefits administration and HR guidance without hiring a full department — enrollment, compliance support, and answers when your employees have questions.
Tax-aligned benefit funding, such as pre-tax premium structures, coordinated with the rest of your business tax picture.
A clear, four-step process — from first conversation to a plan your employees actually use.
We learn your business, your team, your current coverage, and what's frustrating you about it.
A comprehensive review of plan design, premiums, fees, and tax treatment — with clear findings and real numbers.
We build a custom plan around your budget and workforce, then handle the rollout. Most plans go live within weeks.
We review your plan every year so you're never blindsided by a renewal again.
When employees pay their share of qualifying benefit premiums before taxes, those dollars aren't subject to the employer's share of Social Security and Medicare tax (7.65%). Slide to see a simple illustration.
For illustration only. Actual results depend on your census, plan design, which benefits qualify, and wage-base limits. Employees typically also reduce their own taxable income. Your audit will model your real numbers.
"Be thou diligent to know the state of thy flocks, and look well to thy herds."Proverbs 27:23
Taking care of the people who work for you is one of the clearest acts of stewardship a business owner has. We're a family-run firm, and we treat your team the way we'd want ours treated. Your Legacy Is Our Mission.
Yes, for qualifying employers. There's no cost and no obligation. You'll receive clear findings on where your current plan is costing more than it should, whether or not you choose to make changes.
No. The goal is never to cut benefits — it's to improve how they're structured and funded. In many cases employees end up with better access to care.
Most plans can be implemented within weeks once you approve the design. We coordinate the rollout and employee enrollment so your team isn't left figuring it out alone.
Not at all. Some employers start with a single change — like restructuring health premiums or adding a pre-tax option — and build from there. We'll recommend a sequence that fits your budget and renewal timing.
A short discovery call, your most recent renewal or plan summary, and a basic employee census. We handle the analysis.
Legitimate pre-tax structures like Section 125 plans have been part of the tax code for decades. Every design we recommend is reviewed against current IRS requirements, and we'll walk you and your tax professional through exactly how it works.
Request your complimentary benefits audit. We'll review your current plan and show you, in plain numbers, where you can save and how your team can be better covered.
Prefer to talk now? Call 364-654-6155 or book a time. Ask for Thomas or Jessica.