Your Complete Benefits Solution Provider

benefits solution provider

Every company is different, and so is every benefits package. Everywhere you look, you’re surrounded by important choices that will affect your business. Are your plan offerings attractive enough in this competitive labor market? Can you lower your costs without having to change your contribution structure? How will plans costs impact your bottom line? It can be overwhelming.

We’ll make one decision easy for you. When it comes to your benefit solutions provider, choose Clark & Lavey! Our team of professionals is equipped to help you kick start and maintain your fully-insured, self-funded, or medical captive plan. Our breadth of experience, negotiation skills, and enhanced relationships are all talents you can leverage to get the best benefits at the lowest possible costs.

Clark & Lavey is more than your everyday benefits solution provider. We believe that in order to provide you with the best possible service, we first need to understand your business – inside and out. That’s why we take careful time to understand your goals, pain points, and company culture before determining the best benefit solutions for you.

We offer additional support, services and resources beyond your benefits plan, including:

  • HR Practice Leadership Services & Support
  • Compliance & Employment Law Education
  • Financial Modeling & Claims Analysis
  • Employee Communications
  • Strategic Planning Services
  • Merger & Acquisition Assistance
  • Monthly Newsletters, Webinars, and more!


We work with all major carriers and represent clients who are fully-insured, self-insured, or self-insured through a group medical (health) captive. Before making recommendations for any plan, our team of professionals will do a benefits analysis of your current plan offerings. We can then provide you with financial modeling, which assists in calculating the financial impact of cost-sharing, plan design changes, and various enrollment scenarios.

Our work on behalf of our clients continues throughout the year – not just when we’re negotiating their benefit plans.  To have a significant impact on managing and controlling costs, you must identify actionable areas in which you can make effective changes. We routinely monitor claims activity, pharmacy spending, and utilization data. We are also known for being fierce negotiators and are always willing to go the extra mile for our clients.


InCap®, our group health medical captive solution, is specifically designed to lower benefit costs for employers while still maintaining the value of their benefit plan. Our InCap participants have saved more than $33.6 million dollars to date. A captive insurance plan provides the opportunity for dividend distribution. If your claims are low and the amount spent for health premiums is lower than projected for a given year, the excess funds are returned to you.  Unlike other firms, Clark & Lavey does not charge any sort of fee to determine whether a captive solution would be financially advantageous for you. So, if you’re considering a captive insurance plan, contact us today!

HR Support & Services

Clark & Lavey was the first brokerage firm in the region to recognize a need for human resources support for our clients. Our HR Practice Leader, works with our clients providing daily assistance, consultation, and guidance. We offer extensive support for maintaining compliance and provide alerts through our ERISA counsel to keep you informed of changes and mandates. We are an approved provider for SHRM and HRCI educational programs and provide accredited programs throughout the year – such as Boot Camp HRx, Webinars and Seminars. Some additional examples of our HR Support and Services include:

  • Developing HR strategies with organizations experiencing rapid growth
  • Assisting clients with streamlining or re-organizing departments
  • Conducting HR assessments with a company’s work practices and recommending improvements
  • Creating training programs for middle managers and supervisors
  • Calculating affordability of health insurance plans under the Affordable Care Act
  • Reviewing Employee Handbook policies and procedures
  • Offering guidance on American Disabilities Claims

If you’re ready to discover the Clark & Lavey difference, we’re only a phone call away, at 603-883-3773 or contact us online. We look forward to serving you.