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Your employees are one of your largest and most important assets. A strong benefits program helps you attract and keep great people — and it shouldn't take an HR department to manage it. Through our Keystone Benefits Department, Top O' Michigan gives Michigan employers from 10 to 500+ employees real one-on-one guidance, not just a portal login.
A lot of benefits shops either hand you a quote and disappear, or hand you software and call it support. We do it differently. Backed by the Keystone Benefits Department, we pair national-level resources with comprehensive, one-on-one guidance — plan strategy, claims help, compliance, and the day-to-day administration that usually lands on an overworked office manager.
We work with Michigan employers of every size, from a 10-person shop to a 500-plus organization, and tailor the program to where your business actually is.
Plan quotes, claims assistance, renewal negotiation, and long-term strategic planning.
Medical and Rx analytics, retention strategies, and non-medical benefit options.
ACA and DOL support, OSHA, an HR hotline, and employee handbooks.
Vacation tracking, onboarding and offboarding, and an employee portal.
Safety training, wellness information, newsletters, and employee education.
A Michigan team that knows your business and answers the phone.
Coverage and benefits programs are subject to underwriting and carrier eligibility, and are not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for a proposal tailored to your business.
This video outlines five strategic approaches employers can use to manage and reduce rising health benefit costs.
Group health, dental and vision, group life and disability, voluntary and non-medical benefits, and long-term care options — built to fit your team and your budget.
Group plans aren’t just for large companies — coverage is often available starting with just a few employees. We help you find carriers and plan designs that fit your size.
Yes. Through the Keystone Benefits Department, we support insurance guidance, decision support, compliance, and day-to-day benefits administration — more than just placing a policy.
Often, yes. Competitive benefits are a major factor in hiring and retention, especially in a tight labor market. We help you build a package that stands out without overspending.
During your plan’s annual open enrollment, when they first become eligible, or after a qualifying life event. We help you manage enrollment smoothly each year.
Get a proposal from a local Michigan agency with a full benefits department behind it.
