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Consulting for Groups of up to 500 Employees

Reduce Your Group Benefits Spend While Retaining Workers

Our Clients Enjoy Savings of 5% to 15% While Retaining Their Favorite Insurance Carriers.


3 Months consult + 9 months implementation support for one low GUARANTEED consulting fee.

Do you have up to 500 Workers? Are you paying too much for group health insurance? We can help.

Optimize Payroll, Group Benefits & Retirement Plans

PAYROLL & PEO INTEGRATION — YOUR WAY, OUR MUSCLE

LOCK IN GROUP BENEFITS SAVINGS — WITHOUT CHANGING WHAT YOU LOVE

LOCK IN GROUP BENEFITS SAVINGS — WITHOUT CHANGING WHAT YOU LOVE

We work with virtually 20+ payroll and PEO providers to help you seamlessly integrate with our free electronic benefits portal, while seeking savings.


Already using a PEO? We’ll shop 12 top providers simultaneously to find the best value — saving you time, money, and hassle. We handle the entire process from start to finish.


Want to keep yo

We work with virtually 20+ payroll and PEO providers to help you seamlessly integrate with our free electronic benefits portal, while seeking savings.


Already using a PEO? We’ll shop 12 top providers simultaneously to find the best value — saving you time, money, and hassle. We handle the entire process from start to finish.


Want to keep your current setup? Great. Need better options? Even better. We meet you where you are — and make it better.

LOCK IN GROUP BENEFITS SAVINGS — WITHOUT CHANGING WHAT YOU LOVE

LOCK IN GROUP BENEFITS SAVINGS — WITHOUT CHANGING WHAT YOU LOVE

LOCK IN GROUP BENEFITS SAVINGS — WITHOUT CHANGING WHAT YOU LOVE

 We start by interviewing your Owner or HR Director to uncover pricing pain points and service gaps in your current group benefits.


Then we shop every major insurance market to deliver a spectrum of savings and service upgrades — often without changing your favorite carriers or plans.


Prefer to keep what’s working? Great. We work with every

 We start by interviewing your Owner or HR Director to uncover pricing pain points and service gaps in your current group benefits.


Then we shop every major insurance market to deliver a spectrum of savings and service upgrades — often without changing your favorite carriers or plans.


Prefer to keep what’s working? Great. We work with every major carrier in all 50 states, so you stay in control.


Once you’re ready, we handle the full implementation — including a year-round electronic enrollment portal, built and maintained at no cost to you.

UNCOVER HIDDEN 401(K) COSTS — AND STOP OVERPAYING

LOCK IN GROUP BENEFITS SAVINGS — WITHOUT CHANGING WHAT YOU LOVE

UNCOVER HIDDEN 401(K) COSTS — AND STOP OVERPAYING

Many business owners are unknowingly bleeding cash through outdated 401(k) fee structures and silent inefficiencies. We dig deep to expose hidden costs — from legacy fee schedules that haven’t adjusted with asset growth, to “ghost brokers” still collecting commissions long after service stopped.


As part of our free admin review, we’ll help

Many business owners are unknowingly bleeding cash through outdated 401(k) fee structures and silent inefficiencies. We dig deep to expose hidden costs — from legacy fee schedules that haven’t adjusted with asset growth, to “ghost brokers” still collecting commissions long after service stopped.


As part of our free admin review, we’ll help you clean house, cut waste, and unlock smarter retirement plan options — including any association-endorsed programs that may help deliver a stronger value.


And yes, every plan integrates seamlessly into our free electronic benefits portal — no setup fees, no ongoing costs.

A 90-Day Sprint - With Plenty of Value-adds

GET YOUR CUSTOM BENEFITS BLUEPRINT — DELIVERED IN just 90 DAYS

Our expert team of licensed agents and benefit specialists will build you a tailored, high-impact benefits strategy — fast. 


With decades of industry experience and real-time insight into market trends and regulations, we deliver a plan that saves you time, money, and headaches.

 

Our 90-Day Blueprint Breakdown

  • Week 1–3:  Audit & Discovery
  • Week 4–9:  Strategy & Vendor Optimization
  • Week 10-12: Implementation & ROI Tracking
  • Week 13-52:  Additional Renewal & Service Work (Free)


You get clarity, compliance, and competitive advantage — all in just 90 days.

Offer benefits your competitors can’t matcH — A $1,200 value annually

Every 21Benefits consulting client gets unlimited access to our proprietary bill-to-home benefits platform — designed for part-time, seasonal, volunteer, and 1099 workers excluded from traditional group plans.


Be the only employer in town offering value-priced medical, dental, vision, and life insurance — with over 100+ plan options and ACA subsidies — all with zero cost, zero admin, and zero hassle.


Recruiting a part-time worker? Just text them a link to enroll instantly. Free access for as long as we work together — no paperwork, no payroll deductions, no limits.

Sample Bill-to-Home Benefits Booklet

Free Market Survey — Save Thousands

 Let 21Benefits do the heavy lifting. We’ll shop every line of coverage — from group health to dental, life, disability, and even admin fees — to find you the absolute best value.


Most clients save thousands annually, especially on group health insurance. And we don’t stop there — we uncover hidden savings across all benefit lines.


Our mission? To be the most trusted source for group benefits in the industry. You get expert guidance, zero stress, and maximum savings — all without lifting a finger.

Free Online Enrollment Portal — A $2,400 Annual Value, Yours at No Cost

Say goodbye to clunky paperwork and overpriced tech add-ons. As a 21Benefits client, you get unlimited access to Employee Navigator — a powerful online benefits enrollment system — absolutely free when we manage your group benefits.


While payroll firms and consultants charge thousands for this platform, we design, build out, implement, and maintain this platform for you — including annual updates and open enrollment support - FOR FREE!


No setup fees. No hidden costs. Just a seamless, stress-free experience that saves you time, money, and plenty of headaches.


Watch the 2-minute demo below to see how easy benefits enrollment can be — and yes, you read this right - it’s 100% free.

2 Minute Employee Navigator Video

Our Triple Guarantee - You Can't Lose!

Savings Guarantee

Implementation Guarantee

Implementation Guarantee

If you adopt our recommendations and don’t save at least 10x our consulting fee in the very first year, then we'll refund 100% of your fee.


This zero-risk guarantee is absolutely unheard of in the insurance consulting industry. We are that confident we can help your company save money while enhancing service to your group.

Implementation Guarantee

Implementation Guarantee

Implementation Guarantee

We provide 3 months of consulting support, plus 9 additional months of implementation support at no additional cost. That's a total of 12 months of professional support for one crazy-low fee.


No other consultants offer this bold money-back guarantee.


It's a no-brainer!

"Ghost Broker" Guarantee

Implementation Guarantee

"Ghost Broker" Guarantee

If we discover that one or more "Ghost Brokers" have been quietly collecting monthly commissions without providing you service, then we will remove them from all plans and inform you of the amount they have been secretly earning monthly.


We guarantee to find and rid your plans of all "ghost broker" fees and expense.

Have you read enough? Ready to jump in?

Skip to Payment Options

The Right Partner Changes Everything

John L. Daly, J.D., LIC, President & CEO

John Daly is a licensed non-practicing attorney with more than 30 years experience as both a group benefits consultant and business owner.  John will spearhead the 90-Day Benefits Blueprint, and will coordinate licensed team members nationally to deliver best-in-class savings and service.

"We charge a consulting fee because real results require real commitment. We’re not in the business of doing free work so another broker can take credit. Our zero-risk guarantee ensures our clients only pay when we deliver solid results, and they embrace a win/win. This plan aligns our interests.


John L. Daly, J.D., LIC, 21Benefits Owner

Frequently Asked Questions

Please reach us below if you cannot find an answer to your question.

21 Benefits is a specialty consulting firm offering benefits consulting, sales, implementation and service support in all 50 states. We have access to virtually all markets in all states.


 

  • ABS Payroll & HR
  • Accu Data Workforce Solutions
  • Accuchex Payroll Services
  • Accupay Payroll Inc
  • AccuPay, Inc. (Indiana)
  • Adaptasoft (CyberPay)
  • ADP Run®
  • ADP Workforce Now®
  • ADP Workforce Now® Next Generation
  • Affiliated HR & Payroll Services
  • AHL & K Inc
  • Ahola
  • Alliance HCM
  • AmCheck Las Vegas
  • Applied Payroll Solutions
  • ASAP Payroll Service
  • AssetHR
  • Asure
  • Automatic Payroll Systems, Inc.
  • Basic Payroll
  • BBP Admin
  • California Payroll
  • CAVU HCM
  • CBIZ (Centrally HR)
  • CBIZ Payroll
  • CGI Business Solutions
  • Checkwriters
  • Clarity Benefit Solutions
  • Clarity HCM
  • Coastal Payroll
  • Columbia EDP Center
  • Commonwealth Payroll & HR
  • Commonwealth Payroll, Inc.
  • Complete Payroll Resources
  • Comploy
  • Comprehensive Payroll Company
  • Connor & Gallagher OneSource
  • Contempo HCM, LLC
  • Crescent Payroll Solutions Inc
  • CTR Payroll Services
  • Deel Inc
  • DM Payroll Solutions
  • Doeren Mayhew Advisors
  • Dominion Payroll
  • DynamicHR
  • ECCA Payroll+
  • Eddy HR, LLC
  • Employdrive, Inc.
  • Encompass Employee Management
  • Envision Payroll
  • Escalon Payroll Solutions, LLC
  • Everee
  • FlexChecks
  • Fourth Street Solutions, LLC
  • Future Systems
  • Genesis PPG
  • gente
  • Global Business Advisors
  • Green Payroll
  • Greenlink HCM
  • GTM Payroll Services
  • Harding Shymanski & Co
  • Harpers Payroll
  • Heartland Payment Systems Inc.
  • HigherUp Payroll LLC
  • Highflyer Payroll
  • HowardSimon (HS)
  • HR Aware
  • Hybrid Payroll
  • iiPay - Integrated International Payroll
  • Independent Business Resources, LLC
  • Integrated Payroll Services Inc
  • isolved - Balance Point HCM
  • isolved - South
  • Kazdon, Inc.
  • Keystone Payroll
  • Kronect
  • Lattice
  • Magellan HCM
  • Market Dimensions, Inc.
  • Mercantile Bank
  • Miami Payroll Center
  • Miter HR, Inc.
  • MP Wired for HR
  • Netchex
  • Next HR Solutions
  • Paper Trails
  • Paragon Payroll Inc
  • Pay Day Payroll
  • Pay Strategies, LLC
  • Pay USA Inc.
  • Paychex
  • Paycor
  • PayDay LLC: PaydayGa
  • Payday, LLC: PaydayNow
  • Payentry
  • Payfluence HCM LLC
  • Paylocity
  • PayLogics
  • PayOptions
  • Payority
  • Payroll Network/GovConPay
  • Payroll Partners LLC
  • Payroll Partners Ltd (TX)
  • Payroll Plus CSRA
  • Payroll Processors
  • Payroll Professionals Inc.
  • Payroll Resource Group (PRG)
  • Payroll Resources LLC
  • Payroll Vault
  • PayWhiz LLC
  • Platinum Group
  • Platypus Payroll
  • Premier Payroll Solutions
  • PremierNow
  • PrimePay
  • Primepoint HRMS & Payroll
  • Professional Payroll Services LLC
  • ProLiant
  • Push
  • QTS Payroll Services, Inc.
  • Quanta
  • Reliable Payroll Services
  • Resourcing Edge
  • Restaurant365
  • Rippling
  • Rowell Payroll Company
  • Solex HCM
  • Staff Management, Inc.
  • Tesseon
  • The Payroll Company (TPC)
  • Thread HCM
  • TPG Payroll & HR
  • Trivantus
  • UKG
  • Unify Employee
  • Unify Payroll
  • Vida HR
  • Vision Payroll
  • Wipfli Payroll Services LLC
  • Workplace HCM
  • Worx Payroll LLC
  • Zenefits


All of the following Professional Employer Organizations (PEOs) are part of our platform offering, and our sales team has the ability to shop all of these markets with a single application.  This means you will asked only one set of questions.  We  will field all questions from the providers and we will be your sole point of contact from quoting to installation.  All final proposals will be delivered by us, including final recommendations tailored to your needs, and all proposals will be include our recommendations in an unbiased manner:

 

  • ADP


  • AlcottHR


  • BBSI


  • CoAdvantage


  • DecisionHR


  • Engage PEO


  • ExtensisHR


  • G&A Partners


  • Insperity


  • JustWorks


  • Oasis, A Paychex company


  • Paychex


  • PrestigePEO


  • Questco


  • TriNet


  • VensureHR


We leave the order of our review to be decided by each client.  


Most groups want us to review group medical first, but others have specific issues or pain points they need addressed immediately.  Each group chooses the order from these lines of coverage:


*  Group Health & Benefit Plans

*  Group 401(k) or Other Retirement Plan

*  Payroll or PEO Services

*  Electronic Benefits Enrollment System Design, Build Out, Implementation & Integration


The client can decide on the order during their discovery meeting, and their group benefits renewal date will likely be a factor in that decision.


21 Benefits focuses on group health insurance and related group benefit plans for the underserved employer population of groups with fewer than 500 employees. We also offer extensive market survey options for all group employee benefits and for 10+ PEO markets.  Too many groups with fewer than 500 employees  are taken for granted by local brokers, and therefore miss out on strategic planning.


Yes.  While the 90-Day sprint is focused on groups of <250 employees, we can also assist larger groups. For larger groups, we conduct the same 90-Day Sprint and Benefits Blueprint (including our crazy-rich guarantee), but we’ll likely recommend a top national broker partner to assist in the implementation and ongoing service to assure the very best client experience for larger groups.  As a result of our industry relationships, there is no maximum group size, and we can also handle international exposures.  Simply contact us below and tell us your situation.


A payroll provider focuses solely on processing employee wages, handling tax withholdings, and ensuring compliance with payroll regulations, essentially acting as a service to manage payroll logistics. In contrast, a Professional Employer Organization (PEO) offers a broader suite of HR services—including payroll, benefits administration, workers’ compensation, and regulatory compliance—by entering into a co-employment relationship with the client’s workforce. This means the PEO becomes the employer of record for tax and insurance purposes, allowing small businesses to access enterprise-level HR support and benefits typically reserved for larger companies.


We integrate our group employee benefits electronic enrollment site with virtually any payroll provider, and we can also make alternate payroll provider recommendations if you are experiencing problems.  While our focus is primarily on integration, we do have payroll resources.


For the minority of groups (approximately 15%) who currently use a PEO, then we can conduct an extensive review, including pricing and service analysis by surveying all of the top PEO's using a single master application.  A big timesaver, and virtually certain to uncover savings.


21Benefits reviews the administrative side of retirement plans for integration with our online benefits platform. All investment related reviews are handled by a separate retirement plan specialist who is part of a team of 9 licensed individuals. 


The retirement plan team is product agnostic, and can work with virtually any retirement plan provider nationally without the need to change retirement plan companies.  If preferred, they can shop and make recommendations for a change if preferred. For compliance reasons, that team is introduced only after our consulting agreement begins.  


No part of your monthly or annual consulting fee is attributable to the retirement plan review. Rather, that review  is an added bonus that is included in the consulting package at no cost to you. 


Absolutely not.  But we can only offer our below-market consulting fee and our crazy 10x guarantee if we are likely to be awarded the business for at least one of your primary benefit lines.


Importantly, our most satisfied clients are those who allow us to make all of their problems go away for all of their benefit plans - both pricing and service.  That only happens if we are the broker of record for the plans we manage, and it is a win/win for our clients when our consulting fees permanently disappear after month 12.


But if your brother-in-law handles payroll, or your best friend and college buddy has been servicing your account for the last 20 and there is no possibility of a change, then tell us up front and we can provide guidance in that area but focus on your other lines.


Some clients are so frustrated with their current broker's lake of responsiveness that they ask us to take over all plans on day one.  We'll tailor your consulting plan to fit your needs.


Clients are assigned a dedicated team consisting of five team members:


▪  Account Executive – Manages employer relationship, makes renewal recommendations, conducts open enrollment meetings, builds long-term strategic plan.


▪  Account Coordinator – Customer-facing to assist employer with administration of the plan, onboarding, plan maintenance, communication, and supports the Account Executive.


▪  Customer Service Representative – Provides daily administration services to employees for support with claims issues, plan questions, qualifying events, network questions, and lost ID cards. Provides employer support for eligibility and billing issues.


▪  New Business Analyst – Non-customer facing role to support our internal team from the sale/renewal through implementation.


▪  Sales Administrative Assistant – Non-customer facing role to support our internal team with pre-sale/pre-renewal functions.


▪  John Daly establishes a consulting relationship with the a client, and establishes client goals and objectives.


▪  A Referral Management Specialist is assigned based on company location, and client will be contacted for the benefits review within two business days.


*  The group can prioritize the order of review, to include payroll/PEO, group benefits, retirement plan, and technology integration - in any order the group prefers.


▪  A summary will be sent to John Daly to update agency management system.


*  John Daly will present our findings to the group  prior to the 90 day mark, and will ask for permission to proceed on our recommendations if approved by the client.


▪  Reporting will be provided quarterly on client activity, follow-up assistance ratio, etc.


▪  We offer complimentary employment law advice through FordHarrison & access to other compliance services.


▪  After the initial consulting fee, there is no additional consulting cost to employers for any group naming 21 Benefits as their benefits insurance broker. 


*  Every group client  is authorized to extend the entire 21 Benefits insurance platform on a bill-to-home basis to all part-time, seasonal, volunteer and 1099 contract worker. Ideal for employers with lower wages, high turn-over or low benefits budgets. All 21+ benefits can be made available to all workers on their very first day of employment at no cost to the employer.


Our Risk-Free Guarantee

Our Risk-Free Fee Guarantee:  Implement Our Plan Recommendations and Save at Least 10x Our  Consulting Fee In the First Full Plan Year or Get a 100% Fee Refund.


We have limited openings for our 90-Day Benefits Blueprint Sprint, with new clients starting on the 1st and 15th of each month - reserve your spot now!

Hurry, Free Value-Adds Are Only Available for 2025 Sprints

Limited 90-Day Blueprint Sprint Openings are Available on the 1st & 15th

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It’s a wrap!

The big day may have come and gone, but keep in touch as we’re always up to something new and exciting.

Three Distinct Payment Options - Each Option 100% Guaranteed

Monthly Payment Option

Waive All Fees with a Zero-Cost Option

One-Time Payment Option - Save Fast

$100/Month, cancel any time.


12 full months of consulting, allowing groups to start immediately while being certain to include their eventual group benefits or PEO renewal date.


Our 10x Guarantee:  Save $12,000+ after paying $1,200 or Get a Full Refund!

Start My 90-Day Sprint

One-Time Payment Option - Save Fast

Waive All Fees with a Zero-Cost Option

One-Time Payment Option - Save Fast

$1,200 One-Time Payment


 Same low consulting price, but best for groups who want to jump to the very front of the consulting line.  


Ideal for groups with insurance/PEO renewals in the next 150 days who want more  immediate savings.


Our 10x Guarantee:  Save $12,000+ after paying $1,200 or Get a Full Refund!

Start My 90-Day Sprint

Waive All Fees with a Zero-Cost Option

Waive All Fees with a Zero-Cost Option

Waive All Fees with a Zero-Cost Option

$0 One-Time Payment and $0 Monthly Payment


For clients who are frustrated with their current broker(s), and are ready to take action.


Engage with 21Benefits for the 90-Day Benefits Blueprint at zero cost by naming us as your exclusive Broker-of-Record for only the plans you want us to focus on for savings/service enhancements.


Same great savings at $0 cost.

Start My 90-Day Sprint

Consulting for Associations & Membership Groups

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