• The largest cost is the premium itself, which varies by carrier, plan design, employee demographics, and employer contribution strategy. Rough DC-metro ranges for a 10-employee group with average demographics:
    • Group medical (employer pays 50%): $400–$900/month per employee
    • Dental: $25–$50/month per employee
    • Vision: $5–$10/month per employee
    • Short-term disability: $15–$40/month per employee
    • Long-term disability: $20–$45/month per employee
    • Group life ($25K-$50K): $3–$10/month per employee

    Total employer cost for a comprehensive employer-paid stack for 10 employees typically lands between $60,000 and $120,000 annually. Voluntary employee-paid options can add substantial benefits at zero employer cost. We model your specific situation and broker the placement at no additional cost to you — our compensation comes from the carriers as standard commissions.