Smarter Benefits. Stronger Businesses.★ Serving TN, AL, GA, FL, TX, SC, NC, MS, LA & All 50 States★ Level-Funded & RBP Plans★ 15 Years of Industry Experience★ Independent & Unbiased Consulting★ Smarter Benefits. Stronger Businesses.★ Serving TN, AL, GA, FL, TX, SC, NC, MS, LA & All 50 States★ Level-Funded & RBP Plans★ 15 Years of Industry Experience★ Independent & Unbiased Consulting★
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Serving TN · AL · GA · FL · TX · SC · NC · MS · LA & All 50 States

Your Independent Employee Benefits Broker for Small Business

Ascend Benefits Consulting Group is an independent employee benefits broker helping employers with 2–250 employees save up to 30% through level-funded and RBP Plans. The same strategies Fortune 500 companies have used for decades.

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30%Average client savings
vs. traditional plans
2–250Employee groups
we specialize in
15Years of industry
experience

Get Your Free Benefits Analysis

Find out exactly how much your business could save. No obligation — just clear answers from an independent benefits consultant with 15 years of experience.

Request Free Analysis →

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Stop-Loss Protected Plans
Southeast & Nationwide
2–250 Employee Specialists
Save Up to 30% vs. Traditional Plans
Independent & Unbiased Advice
Same Access. Smarter Pricing.

Your employees access the exact same doctors, hospitals, and specialists through the nation's largest PPO networks — no compromises on care.

UnitedHealth
Network Partner
Cigna
Network Partner
Aetna
Network Partner
PHCS
Network Partner
$10k $14k $18k $22k 2019 2020 2021 2022 2023 2024 ↑ ~11% avg renewal Traditional Insurance Controlled & Predictable Level-Funded Plan Annual Premium Cost Per Employee
30%
Average savings switching
to a level-funded plan
The Problem

Traditional Group Insurance Is Costing You More Than It Should

Most brokers default to fully-insured plans because they're simple to sell — not because they're the best option. As a result, employers with 2–250 employees overpay by thousands of dollars per year without ever knowing there's a better way.

Ascend specializes in level-funded and RBP (Reference Based Pricing) strategies — the same strategies large corporations have used for decades — now accessible to companies your size.

See Our Benefit Packages →

Premiums Rise Every Year — Regardless of Claims

Carriers keep the profits when your employees stay healthy. Your renewal goes up no matter what.

Zero Transparency Into Your Claims Data

No visibility into what's driving costs makes smarter decisions at renewal impossible.

One-Size-Fits-All Plans That Don't Fit Your Team

Traditional carriers offer limited customization. Your workforce is unique — your plan should be too.

Our Process

How Ascend Works With You

From first conversation to open enrollment — we handle the complexity so you don't have to.

1

Free Benefits Analysis

We review your current plan, claims history, and workforce to identify exactly where you're overpaying.

2

Custom Plan Design

We design a level-funded or RBP plan tailored to your company's size, budget, and needs.

3

Carrier Negotiation

As an independent consultant, we shop across multiple carriers to secure the best pricing for your group.

4

Ongoing Support

We stay with you through enrollment, employee questions, claims support, and annual renewals.

What We Offer

Comprehensive Benefits Solutions

Everything your employees need — structured to save your business money and give your team real value.

Level funded health plans

Level-Funded Health Plans

Predictable monthly payments with surplus refunds when your group stays healthy. The best of both worlds.

Most Popular Learn about Level Funded Plans →
RBP Reference Based Pricing plans

RBP (Reference Based Pricing) Plans

No network restrictions — employees can see any licensed provider nationwide. Transparent Medicare-based pricing with significant cost advantages.

Best Savings Learn about RBP Plans →
GAP coverage employee benefit

GAP Coverage

The employee favorite. Covers deductibles, copays, and coinsurance — so employees walk away from claims with little to nothing out of pocket.

Employee Favorite See How GAP Coverage Works →
Woman smiling with glasses - dental and vision benefits

Dental & Vision

Competitive dental and vision plans that complement your medical benefits and support employee retention.

Employee Favorite
Employee wellness program

Employee Wellness Programs

Proactive wellness solutions that reduce long-term claims costs, boost productivity, and attract top talent.

Retention Booster
Life and disability insurance

Life & Disability

Group life, short-term, and long-term disability coverage that protects your employees and demonstrates your commitment.

Core Coverage
Why Ascend

We're Not a Traditional Benefits Broker

Business owner meeting with benefits consultant
30%
Average savings vs.
traditional group plans
Surplus refunds when claims are low
Full visibility into your claims data
Plans designed for your workforce
Stop-loss protection included
Independent advice — no carrier bias
01

We Specialize in the 2–250 Employee Market

As an independent employee benefits broker, we exclusively serve growing businesses — which means we know the options, carriers, and strategies that actually work at your size.

02

Level-Funded, RBP & Preventive Care

We don't push traditional plans because they're easier. We lead with the strategies that save employers the most — the same strategies large corporations have used for decades.

03

We Stay With You All Year

Our relationship doesn't end at enrollment. We provide ongoing claims support, annual plan reviews, and employee education throughout the plan year.

Meet the Team →

Ready to See How Much Your Business Could Save?

Get a free, no-obligation benefits analysis — we'll show you exactly what's possible for your company.

Get My Free Benefits Analysis Schedule a Consultation
Where We Work

Proudly Serving Employers Across the Southeast

Licensed in all 50 states, with a deep focus on helping businesses throughout the Southeast access smarter, more affordable group health coverage.

Primary Market
Tennessee
Level-funded & RBP plans
Primary Market
Alabama
Level-funded & RBP plan consulting
Primary Market
Georgia
Employee benefits consulting
Primary Market
Florida
Small business health insurance alternatives
Primary Market
Texas
Stop-loss & level-funded plan specialists
Primary Market
South Carolina
Employer group health plan consulting
Primary Market
North Carolina
Level-funded & RBP plan consulting
Primary Market
Mississippi
Affordable employee benefits options
Primary Market
Louisiana
Group health insurance alternatives

Also licensed in all remaining U.S. states. Contact us wherever you're located.