Smarter Together — Employee Benefits
At Sequel, we know strong businesses are built on strong teams, and that’s why our Employee Benefits solutions go beyond check-the-box coverage. Acting as an extension of your HR team, we bring personal attention, industry expertise, and customized programs that reflect your culture, align with your goals, and simplify the complexities of benefits management.
Employee Benefits Programs
At Sequel, we design employee benefit programs that help you attract top talent, retain your best people, and keep your business compliant, cost-effective, and future-ready.
From open enrollment coordination and employee education to compliance support and ongoing HR assistance, we take care of the complexities so your team can focus on what they do best.
Benefits aren't one-and-done. We proactively review, adjust, and support your program year after year, helping you adapt to changing regulations, manage costs, and keep employees engaged.
A health insurance captive allows employers to join together to manage and finance their employee health plans. Instead of buying a fully insured plan, members share the risk of medical claims and benefit directly from strong performance. Each company funds its own claims up to a set limit, while the captive provides protection against larger, unexpected costs. Over time, this approach helps control expenses, improve plan transparency, and return savings to members rather than traditional insurers.
Frequently Asked Questions
Have questions about Sequel’s group captive solutions and other insurance options? Here are clear, straightforward answers to help you understand how they work and make confident decisions for your business.
A group captive medical program is typically a good fit for employers who:
• Have 50+ employees enrolled with one sole carrier
• Offer competitive benefits and actively promote employee engagement
• Have stable or improving claims history
• Are interested in greater transparency and control over their healthcare spend
• Take a long-term approach to benefits strategy (rather than year-to-year pricing)
Group captives work best for employers who want to move away from fully insured volatility and participate in a more predictable, data-driven model.
A group captive can help reduce costs by:
• Eliminating traditional carrier profit margins and risk charges
• Allowing employers to share risk only with like-minded, well-managed groups
• Returning surplus funds when claims perform better than expected
• Providing greater visibility into claims data, allowing smarter plan decisions over time
Instead of paying fixed premiums with no upside, employers participate in a model where good claims experience can directly benefit them.
No — your business is not directly responsible for paying another employer’s claims.
Each member’s risk is carefully underwritten, and the captive is structured with:
• Individual stop-loss protection
• Group-level protection layers
• Conservative funding and reserve requirements
This structure is designed to limit volatility and ensure that no single employer’s claims negatively impact another beyond the agreed captive framework.
Yes. If a group captive is not the right fit, we offer fully insured medical plans through major carriers.
Our approach is consultative — we help clients evaluate:
• Fully insured
• Level-funded
• Self-funded
• Group captive options
Our goal is to recommend the right solution, not force a captive placement.
While no advisor can guarantee premium reductions, clients often benefit from:
1. Strategic carrier and network selection
2. Plan design optimization
3. Contribution strategy analysis
4. Market leverage and renewal negotiation
Our focus is on sustainable cost management and financial predictability, regardless of funding approach.
