Who we serve
Built for employers who want benefits handled.
CBA serves employers who offer a full benefits package and want a partner involved every day of the plan year, not a broker who appears at renewal. We have particular depth with several industries and with multi-location workforces that are hard to administer.
We work best with employers who offer a real benefits package, medical, dental, vision, life, disability, and voluntary coverage, and who want one accountable team to run the whole program. We tailor the plan to your workforce instead of forcing a one-size-fits-all package, which is why size is not a cutoff for us.
Industries we have particular depth in
Benefits are hard in specific ways in each of these, and we know the ways.
- Municipalities Public employers carry layered eligibility rules, tight budgets, and procurement requirements, with workforces spread across departments and sites. We administer that complexity cleanly and keep the program defensible.
- Hotels & hospitality High turnover, variable hours, and multiple properties make eligibility and enrollment a moving target. We keep it accurate as the workforce changes and support employees who are rarely at a desk.
- Healthcare organizations Mixed clinical and administrative staff, shift work, and a benefits-literate workforce raise the bar on both administration and employee support. We meet it on both.
- Schools & education Calendar-driven enrollment, varied employee classes, and public accountability mean the details matter and the deadlines are real. We track and handle them across the year.
- Construction Crews across job sites, changing headcounts, and field employees who are hard to reach make benefits hard to run. Multi-location administration is exactly where we are strongest.
The kinds of employers CBA runs benefits for
The complexity we coordinate
An employer is a lot of moving parts.
Multiple locations, more than one payroll group, a stack of carriers, different eligibility rules, and very different employee populations. The harder your workforce is to administer, the more we help. We keep all of it in sync, as one program.
Why employers switch
Six reasons employers switch to CBA
The same problems come up again and again. Here is what each one looks like, and what changes when CBA runs the program.
- 01
The broker goes quiet after renewal.
CBA stays all year.
Most brokers are paid when the plan is placed, so once it is signed the attention moves to the next sale and you are left to run the plan until the next renewal. CBA is built the other way around: staying engaged every day of the plan year is the job, not an afterthought to the sale.
- 02
HR is buried in benefits administration.
CBA runs it for you.
Enrollment, payroll-deduction changes, carrier updates, eligibility, and terminations all land on one person internally who already has another job. We run that administration in-house, so the daily work moves off your team instead of piling onto it.
- 03
Renewal feels reactive.
Prepared months ahead.
Too often the renewal arrives weeks before the deadline with a large increase and no real explanation, leaving you to accept it or scramble. We pull your renewal months ahead, review your claims, and take it to market, so you reach the deadline with real options and a clear read on what is driving the cost.
- 04
Compliance is uncertain.
Each step owned, not just flagged.
ACA filings, Form 5500, COBRA, Section 125, and annual notices shift with your size and the plans you offer, and a missed deadline is your liability, not the broker's. CBA owns the compliance calendar for your plan, tracks what actually applies to you, and makes sure each step is handled and filed on time.
- 05
Employees get poor support.
A real person, every time.
When an employee has a benefits question it usually lands on HR, who then has to chase the carrier for an answer. We give your people a dedicated team to call that knows their plan and stays with the question until it is resolved, including the back-and-forth with the carrier.
- 06
Costs rise without a plan.
A multi-year plan for control.
Bracing for the increase every year is not a strategy. We build a proactive, multi-year plan that shows what drove the last increase and what the next few years look like, so cost becomes something you direct with visibility and control instead of just absorb.
Common questions
Common questions
- Is my company too small, or too spread out, for a broker like CBA?
- There is no headcount cutoff. CBA tailors the program to your workforce rather than forcing one package, and spread-out, multi-location employers are a particular strength, not a problem we turn away.
- Does CBA work with employers in my industry?
- We work across many industries and have particular depth with municipalities, hotels and hospitality, healthcare, schools, and construction. The common thread is employers who offer real benefits and want one team to run the whole program.
- Who is the right benefits partner for a multi-location employer?
- One that can keep payroll, carriers, and eligibility in sync across every site and support employees who are not at a central office. That is precisely what CBA is built to do.
See whether CBA is a fit for your workforce.
Tell us about your company and we will tell you whether we are the right partner. A review costs nothing.