Group Benefits & Savings

For Business

Meeting the needs of your business and employees.


MGB designed benefit and retirement plans are crafted in a thoughtful and deliberate manner to create a responsible balance of coverage, cost, and risk management. Guided by our disciplined approach, each client can expect to retain important coverage, with renewal rates that are always fair, regardless of provider. We won’t promise to be the cheapest at any given time, but our approach has been proven to keep rates lower for longer.


We know price is important, it always is, but what’s more important than price on a spreadsheet is the ability to design an overall cost control strategy. Simply put, we’re setting a higher standard for group benefit / retirement consulting in the small to medium business space.

At the core of each complimentary MGB audit is the desire to unbundle your current plan expenses and expose areas where your  dollars are  spent unwisely. With this, we can then create more stability in plan costs, and if desired, recycle those funds into better, more meaningful plan designs for your employees.

The exercise of continually pitting insurers against each other in a combative way is no longer efficient in today’s more sophisticated and complex group marketplace. By carefully selecting partners that support us in a way that allows us to be our best, we can consequently improve your long-term success by consistently delivering above average performance now, and in the future. Once we’ve cut through the noise, collaboration and fairness is simply better.

Once you become an MGB client, you continue to be taken care of. We continue to scrutinize insurance company renewals to ensure ongoing fairness, but also provide efficient performance updates, responsive & competent troubleshooting, and plan administration strategies to reduce corporate risk, etc. 

We look forward to hearing from you soon.

Compensation disclosure:

Group insurance pays an annual commission, therefore each year the group spends with an insurance company, the advisor gets paid. Most insurers pay brokers based on what is known as the Crown Scale, or something like it.

Annual Premium Commission

  • $0 – $10,000 10.0%
  • $10,000 – $25,000 7.5%
  • $25,000 – $50,000 5.0%
  • $50,000 – $100,000 3.0%
  • $100,000 – Thereafter 2.0%

Group retirement pays a trailing commission on a monthly basis and is generally based on Assets Under Management (AUM), Transfers into the plan, and ongoing deposits (cashflow). This commission paid on each is generally at the advisors choosing, and our standard is this:

AUM = .25%. Transfers = 1%. Cashflow = 1%.

Other monetary and non-monetary compensation such as bonuses (new business and retention), events, campaigns, etc may also be received by the advisor.

We encourage businesses to request more compensation transparency from advisors to determine if they are receiving good value for the advice and service they receive, after all, this is part of the premium you pay.

Get in touch today to get your plan personally crafted.
Office: (506) 325-2250
Mobile: (506) 323-0099