Built for the owner’s balance sheet.
- Executive wealth accumulation and tax reduction
- Cash balance and non-qualified deferred compensation
- P&L optimization and claims rate mitigation
- Geographic and industry benchmarking
Fiduciary total rewards advisors
Your largest investment deserves a strategy.
Pay and benefits are 30–40% of a typical operating budget. Forge Benefits Group is led by financial and tax professionals, not salespeople, and organizes every engagement around one framework: six disciplines, one strategy at the center.
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Wealth & Retirement
Advised by ForgeRetirement and wealth plans designed around the owners who built the company and the people you want to keep.
- Cash balance plans
- 401(k) design and review
- Executive retention strategies
Total Rewards frameworkSelect a spoke
Total
Rewards& Human Capital
Rewards& Human Capital
Advised by Forge: strategy, audit and concierge
Placed and serviced by our insurance partner, Think Insurance Group
01Wealth & RetirementAdvised by Forge
Retirement and wealth plans designed around the owners who built the company and the people you want to keep.
- Cash balance plans
- 401(k) design and review
- Executive retention strategies
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Wealth & Retirement
Advised by ForgeRetirement and wealth plans designed around the owners who built the company and the people you want to keep.
- Cash balance plans
- 401(k) design and review
- Executive retention strategies
02Healthcare Cost ManagementWith Think Insurance Group
The largest benefits line on the P&L, examined the way a CFO reads a financial statement.
- Claims analysis
- Fully insured vs. self-insured evaluation
- Carrier alignment
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Healthcare Cost Management
With Think Insurance GroupThe largest benefits line on the P&L, examined the way a CFO reads a financial statement.
- Claims analysis
- Fully insured vs. self-insured evaluation
- Carrier alignment
03Employer-Paid CoveragesWith Think Insurance Group
Core protection the company provides, structured to match the workforce you actually have.
- Group life
- Disability
- Critical care
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Employer-Paid Coverages
With Think Insurance GroupCore protection the company provides, structured to match the workforce you actually have.
- Group life
- Disability
- Critical care
04Voluntary BenefitsWith Think Insurance Group
Employee-funded buy-ups that let each person add the protection their household needs.
- Enhanced life
- Disability
- Cancer
- Critical illness
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Voluntary Benefits
With Think Insurance GroupEmployee-funded buy-ups that let each person add the protection their household needs.
- Enhanced life
- Disability
- Cancer
- Critical illness
05Tax-Qualified WellnessAdvised by Forge
A tax-qualified wellness program delivered through Engage Wellness, built for FICA tax savings and claims reduction.
- Telemedicine and mental wellness support
- Optional direct primary care where available
- ERISA plan documents via BEN-X
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Tax-Qualified Wellness
Advised by ForgeA tax-qualified wellness program delivered through Engage Wellness, built for FICA tax savings and claims reduction.
- Telemedicine and mental wellness support
- Optional direct primary care where available
- ERISA plan documents via BEN-X
06P&L BenchmarkingAdvised by Forge
Agnostic compensation and benefits market data, so every decision is measured against the market rather than a sales quote.
- Compensation benchmarking by role
- Benefits benchmarking by industry
- Geographic market comparisons
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P&L Benchmarking
Advised by ForgeAgnostic compensation and benefits market data, so every decision is measured against the market rather than a sales quote.
- Compensation benchmarking by role
- Benefits benchmarking by industry
- Geographic market comparisons
Start with your own numbers
See what your people actually cost.
Enter your headcount and average wage. The statement totals your human capital spend, shows what a single percentage point is worth, and carries your numbers straight into an audit request.
30–40%of operating budget is human capital spend, usually unmanaged
0%sales pitch. Every recommendation is led by a fiduciary professional
100%agnostic benchmarking by region, industry and role
The difference
Advice first. Products second. Always in that order.
Most benefits are sold transaction by transaction. We start from your financials, your people and the market, then design the plan. Insurance is placed by our licensed partner only after the strategy is set.
Transactional product selling
- ApproachStruck: Product-focused, commission-driven
- DataStruck: Regional bias, limited data
- Plan designStruck: Off-the-shelf packages
- GuidanceStruck: No individual guidance
The Forge advisory approach
- ApproachFiduciary financial & tax approach
- DataNationwide, agnostic benchmarking
- Plan designTailored plan architecture
- Guidance1-on-1 concierge for owners and staff
Advisory over sales
Led by financial and tax professionals who are paid to get the strategy right, not to move a product.
Customization over cookie-cutter
Plans tailored to your demographics, regional data and the life stages of the people who work for you.
Dual-tier concierge service
One track for owners and executives, one for employees and their families. Both one-on-one.
Dual-tier concierge
Two tracks, because owners and employees need different answers.
The strategy works only when people understand it. Every engagement includes one-on-one guidance on both sides of the company.
Built for every employee’s life.
- One-on-one guidance on coverage gaps
- 401(k) consolidation and rollovers
- Special-needs dependent planning
- Long-term care and eldercare strategies
Where every engagement starts
STATEMENT OF WORK · FLAT FEE
The benefits audit & benchmark cost study.
One flat fee buys an independent look at everything you spend on your people: how it compares with the market, where it leaks, and what to change. Then we implement turnkey strategies to fix it.
| 01 | All six Total Rewards spokes reviewed | Included |
| 02 | Current renewal and funding reviewed | Included |
| 03 | Agnostic market benchmarks | Included |
| 04 | Clear, prioritized recommendations | Included |
| 05 | Turnkey implementation plan | Included |
FeeFixed, and quoted before we start
Think Insurance GroupInsurance partner
Forge advises; our partner places. Healthcare, employer-paid and voluntary coverages are marketed, placed and serviced by Think Insurance Group, a licensed insurance agency in Littleton, Colorado (CO License #636824). You get fiduciary advice and full-service insurance, with one strategy tying them together.
How the partnership works →Building Stronger Companies.Caring For People.
Start with a 20-minute strategy session. We’ll look at your current healthcare renewal and show you where a total rewards strategy would change the numbers.