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Modern infrastructure in a paper-based industry
Digital census portal, automated workflows, and a client experience built for how you work today, not how the industry worked in 2005.
Behindeverygreatorganizationisateamworthinvesting in.
We design, implement, and manage employee benefit programs that help Ontario organizations attract, retain, and invest in the people who power their growth, so your team can focus on the work that matters.
Trusted by Canada's leading group insurers
Our Belief
Invest in your people.Protect what you've built.
Benefits are not a cost centre. They are a retention strategy. When employees feel genuinely protected, with their health, their family, and their financial future covered, they stay longer, perform better, and become your strongest advocates.
Most growing Ontario businesses are either overpaying for the wrong plan, or underinsured without realizing it. Both problems share the same root cause: an advisor who disappears between renewals.
We help businesses invest in the people who power their growth, and connect those people and their families to the financial security they deserve.
Benchmark Report
Your Benefits Benchmark Report
Your data is handled under strict PIPEDA compliance and stored exclusively on Canadian servers.
Share your plan booklet
Upload or email us your current benefits booklet, the document your insurer provides with your coverage details and answer a few questions about your company.
We analyse every detail
Coverage levels, reimbursement percentages, waiting periods, maximums - each one benchmarked against comparable Ontario employers in your industry.
Receive your report
A clear, visual report showing your plan score, category rankings, gaps in coverage, and specific recommendations, all in plain English.
What makes us different.
We built this practice around four principles that most advisors in the industry ignore.
02
Benchmarked against your industry
We compare your plan's coverage levels, reimbursement percentages, waiting periods, and maximums against comparable Ontario employers, so you can see exactly where you stand.
03
Built on what your employees actually value
We survey your team to find out what they use, what they want, and what they didn't know they were missing. Your plan should reflect the people on it, not just the market around it.
04
Independent and always on call
We're not tied to any insurer, so our recommendations are based entirely on what's right for your team. And we don't disappear between renewals, we start yours 60 days early, monitor your plan year-round, and give your team 24/7 portal access to plan details and self-serve tools.
Who We Help
Built for Ontario businesses with 10–200+ employees.
Whether you're setting up your first plan or looking for a better advisor for your existing one.
Growing businesses · 10–50 employees
Your sweet spot for personalized advisory
Hands-on guidance from day one, with a single advisor who grows with your team.
- ✓First-time plan setup with expert guidance from day one
- ✓An audit of your existing plan to find out if you're overpaying or underinsured
- ✓Custom plan design that fits your budget and your people
- ✓One advisor for benefits today, and a bridge to estate & succession when you're ready
Established companies · 50–200+ employees
Data-driven advisory for complex plan structures
Multi-insurer benchmarking and scenario modelling for plans that have outgrown the basics.
- ✓Multi-insurer comparison with data-driven recommendations
- ✓Complex plan design: Class A/B structures, flexible spending, wellness accounts
- ✓Annual benchmarking against industry peers
- ✓Proactive renewal management with scenario modelling
End-to-end benefits advisory.
From the first audit to every renewal, we manage your employee benefits program so you can manage your business.
Benefits Audit
We review your program top to bottom, including employee surveys, and deliver a clear report on what's working, what's not, and what we'd change.
Plan Design Consulting
The right plan structure for your business, informed by market comparisons, peer benchmarking, and the latest developments in employee benefits.
Coverage & Plan Options
Extended healthcare, dental, vision, disability, life, and critical illness. Health and wellness spending accounts, virtual care, and mental health support. Group retirement plans including group RRSPs.
Plan Marketing
We submit your information to a targeted list of insurers, analyze every proposal, and prepare a side-by-side comparison of benefits and costs.
Plan Communication
Communication materials and education sessions so your team clearly understands their benefits: at rollout, at renewal, and whenever the plan changes.
Ongoing Service & Renewal Management
Enrollment changes, billing, and conflict resolution, year-round. When renewal comes, we start 60 days early with a full market analysis so you can compare, negotiate, and decide without pressure.
How It Works
From first conversation to plan implementation.
We handle the complexity so you can focus on running your business.
1
Discovery
A conversation about your business, your team, and what's working and what isn't - so we know what we're actually solving for before we look at your plan.
2
Design & Benchmark
We benchmark your plan against your industry, survey your employees to understand what they actually care about, and compare top providers - so our recommendation is built on real data, not defaults.
3
Present
We walk you through our recommendation, what we're suggesting, why, and how it compares. You'll see the trade-offs clearly, in plain language, so you can make a confident decision.
4
Implement
We handle plan setup, enrollments, and employee communications. Your team gets a clear introduction to their new plan - what's covered, how to use it, and where to go for help.
5
Partner
We monitor your plan year-round, service all of your requests, and conduct annual reviews to make sure your plan still fits. We start your renewal well ahead of deadline so you're never rushed into a decision - and we're always a call away when questions come up.
How does working with you actually work?+
Every group benefits plan in Canada includes advisory services as part of the investment, whether you use an advisor or not. When you work with us, you get independent plan design, provider negotiation, and year-round management at no additional cost beyond what you'd already be paying.
Can I get a second opinion without changing my current plan?+
Absolutely. We can provide a complimentary Benefits Benchmark Report and ongoing support while keeping your current carrier and plan intact. Many of our clients started exactly this way, with a conversation that led to clarity.
What size of business do you work with?+
We specialize in Ontario businesses with 10 to 200+ employees. That's the size where benefits decisions have the greatest impact on retention and growth. For businesses with fewer than 3 employees, we offer individual health and dental plans.
Which insurers do you work with?+
We are independent and work with all of Canada's leading group insurers, including Sun Life, Canada Life, Manulife, Desjardins, Green Shield Canada, iA Financial Group, Co-operators, Equitable Life, and Empire Life. Our recommendations are based on what fits your organization, not any single insurer relationship.
What is the Benefits Benchmark Report?+
You share your current plan booklet with us. We analyze every detail, from coverage levels and reimbursement percentages to waiting periods and drug formulary, and benchmark it against similar Ontario employers by industry and size. You receive a clear report showing where your plan stands and where it can improve. It's complimentary and there's no obligation.
Do you handle the full renewal process?+
Yes. We start 60 days before your plan renewal, giving us time to pull claims data, benchmark your rates, check the market, and present your options without deadline pressure. Between renewals, our client portal gives your team self-serve access to plan details, coverage answers, and important documents, so you're supported year-round.
Do you offer individual health and travel insurance?+
Yes. Individual health and dental plans are available for self-employed individuals, those transitioning between careers, or anyone not covered by a group plan. Travel insurance is also available, including super visa compliant plans. Contact us for details.
Our Ecosystem
Part of a trusted advisory network.
When your needs extend beyond benefits, into estate planning, business succession, or wealth management, we're equipped to help there too.
Wealth Bridge
Estate planning, wealth preservation & succession advisory
Your Business
Protected teams, sustainable growth, financial security
Wealth Bridge Group Benefits
Employee benefits advisory for growing businesses
Let's talk about your team
A conversation about what better benefits could look like.
No pitch. No pressure. Just clarity.