Employee Benefits Broker in Federal Way, WA

The Federal Way employer mix

Federal Way’s business base is different from the industrial valley just north of it. It leans toward healthcare and dental practices, professional services, retail, senior care and a large base of small employers in the five to forty employee range, along with the tenants that have filled the former Weyerhaeuser campus area.

Small professional practices are the group we see most often here, and they have a distinct problem: the owner is also the HR department, the practice cannot absorb a large renewal increase, and the staff are skilled enough that losing one to a competitor with better benefits genuinely hurts.

What we do for smaller groups

Under about twenty-five employees, the leverage is in plan design and funding rather than in negotiating rates, because small group rates in Washington are largely set by community rating rather than by your claims history.

• Comparing carriers on network and formulary rather than headline premium
• Structuring employee contributions so the plan stays affordable for staff with families
• Using HSAs and pre-tax plans to lower the real cost on both sides
• Adding voluntary benefits that broaden the package at no cost to the practice
• Taking the enrollment and the year-round employee questions off the owner’s desk

Benefits we place for employers here

• Group health insurance quoted across Premera, Regence, Kaiser Permanente and the other Washington carriers
• Group dental and group vision, employer paid or voluntary
• Group life and disability coverage
• Level-funded health plans for healthy groups that want unused claims dollars back
• Voluntary benefits including accident, hospital, LegalShield and IDShield
• HRA, HSA and pre-tax plans, plus COBRA administration and ACA compliance

Local network considerations

Most Federal Way employees want St. Francis and the surrounding Virginia Mason Franciscan clinics in network, with MultiCare and Valley facilities as the alternative depending on which direction they commute. Households split between Federal Way and Tacoma are common, so we look at network coverage across the county line rather than treating your ZIP code as the whole answer.

Areas we serve near Federal Way

We serve employers throughout the Federal Way area and south along the I-5 corridor, including Auburn, Kent, Tacoma, Des Moines, Milton, Edgewood and Fife.