Why Sympl
Independent by structure.
Advisor by practice.
We're an independent employee benefits advisor. No carrier owns us, no PE firm owns us, no national brokerage owns us. The only group we answer to is our clients — and that changes the advice you get.
How we're different
Four things that change everything.
Genuinely independent
We're not owned by a carrier, by private equity, or by a national brokerage. No quotas, no carrier-of-the-quarter, no parent company telling us what to recommend.
Advisor, not product seller
Our work starts with your data and your people — not a brochure. Sometimes the right answer is fully insured. Sometimes it's level funded. Sometimes self funded. We tell you which.
Transparent on compensation
We disclose how we get paid in plain language at the start of the relationship. No hidden overrides, no quiet bonuses, no incentive to keep you on a worse plan.
Symplifiers do the work
We don't hand you a portal and call it support. Real people on our team answer your employees' calls, fight the claim, find the provider, sort the prescription.
A different kind of broker call
Most renewals are a pitch. Ours is a conversation.
Typical broker
- "Here's the renewal. Sign here."
- One funding model — usually whichever pays the broker best.
- Service desk that hands employees back to the carrier.
- Compensation undisclosed or buried.
Sympl
- Real analysis of your claims and a plain-language recommendation.
- Every funding model on the table — modeled honestly against your data.
- Symplifiers your employees call by name.
- Compensation disclosed on day one.
Common questions
What employers ask before hiring us.
- What does "independent" actually mean?
- We are not owned by an insurance carrier, a private equity firm, or a national brokerage roll-up. Our ownership is local, and our only obligation is to the employers who hire us. Practically: there's nobody upstream pressuring us to steer you toward a particular carrier, funding model, or product.
- How do you get paid?
- Through standard broker compensation or a transparent flat fee — whichever makes sense for the engagement. We disclose the model up front, and we tell you when a change would or wouldn't move our compensation. If our recommendation is to leave your current plan alone, that's still the recommendation.
- Do you sell fully insured, level funded, or self funded plans?
- All three. The right answer depends on your size, your claims experience, your risk appetite, and your cash flow. Our job is to model each one honestly against your data and recommend what fits.
- What if our current broker is already doing a good job?
- Then keep them. We're not here to win a beauty contest. If we look under the hood and your current setup is right, we'll tell you. If there's real money or real experience left on the table, we'll show you exactly where.