Employee Benefits San Antonio Businesses Trust

Start with your workforce, not a catalog of plans. We review your census, budget and current claims history, then compare group health insurance, voluntary benefits and ancillary options side by side so you can see cost against coverage before you commit.

A Professional Employer Organization (PEO) is a co-employment arrangement that hands off payroll, HR compliance and benefits administration to a specialized partner, often at group-buying rates growing companies can’t access alone. It’s worth exploring if you’re spending too many hours on HR admin or want enterprise-level benefits without an in-house HR team.

Level-funded health plans combine a fixed monthly payment with a claims fund and stop-loss protection, giving employers predictable budgeting with a possible refund in a good claims year. Self-funded health insurance goes further: the employer pays claims directly and carries more risk, but keeps more control and potential savings.

Cost depends on group size, average age, plan design and funding structure, which is why we build a custom RFP and carrier analysis for every client rather than quoting a flat rate. A level-funded or captive insurance strategy can meaningfully lower premiums compared to a traditional fully insured plan.

Open enrollment timing is determined by your plan year, but our process starts well before the enrollment window. Approximately 90 days before your renewal, we begin communicating with you and your team to review your current benefits, prepare for upcoming changes, and develop a strategy for the new plan year. As renewal approaches, we manage the entire enrollment process — including employee communications and meetings, enrollment platforms, carrier submissions, and compliance paperwork. Our goal is to make open enrollment a smooth, organized process while giving your employees the information they need to make confident benefit decisions. We start 90 days out, so you’re prepared well before open enrollment begins.

San Antonio is our home base, and it’s where many of our clients are located — but our reach extends across the entire state. As a licensed Texas insurance broker, Risk Protection Managers serves employer groups throughout Texas, helping businesses build competitive benefits programs no matter where their employees are located. Whether your team is based in San Antonio or spread across multiple cities, we can coordinate one comprehensive benefits program for your entire company — with consistent communication, enrollment support, and ongoing benefits administration. Learn more about our insurance and risk management services or our San Antonio team.