Are you overpaying for small business health insurance?
Based in Illinois. Serving clients nationwide. Helping small businesses review health plans and owner protection strategies.
Based in Illinois. Serving clients nationwide. Helping small businesses review health plans and owner protection strategies.
Premiums rise every year and it forces tough decisions on small business owners around employee wages, product and service pricing and personal income. At the same time, changing plans feels risky. A small savings estimate is often not enough to justify disruption, employee confusion, or moving away from a familiar carrier.
That is why the first step should not be guessing. It should be a structured review.
DWAI Consulting helps you evaluate whether your current benefits program still fits your company, your workforce, your budget, and your renewal timeline. We can help you review health insurance costs, level-funded plan options, overall employee benefits, and owner protection strategies.
Your current plan may not be the best fit anymore. We help business owners look beyond the quote spreadsheet and evaluate whether the plan structure, network, contribution strategy, and funding method still make sense.
That can include:
Health plan costs and renewal trends
Employer and employee contribution strategy
Employee demographics and participation
Benchmarking against comparable small business plan designs
Doctor, hospital, and network fit
Deductibles, copays, out-of-pocket costs, and plan structure
Fully insured vs. level-funded plan options
Ancillary benefits such as dental, vision, life, and disability
Owner protection needs, including buy-sell funding and key person coverage
We help small businesses compare health insurance, level-funded plans, dental, vision, disability, life insurance, and other employee benefits with a practical focus on cost, value, and employee impact.
For the right small business, level-funded health plans may offer a way to escape some of the limitations of traditional small group pricing. We help owners understand whether this approach is worth reviewing.
Employee benefits are only part of the picture. We also help business owners protect the company through buy-sell funding, key person coverage and business-owned life insurance strategies.
DWAI Consulting works especially well with small technology firms, trade businesses, and privately held companies that need practical benefits guidance.
Our public minimum for health insurance work is generally 10 employees, because that is usually where participation begins to make a full group benefits review worthwhile.
Most benefits reviews focus mainly on carrier quotes. That matters, but it is not enough. A better review looks at how the plan actually works for the business: who is enrolled, what employees pay, which doctors and hospitals matter, how the plan is funded, and whether the owner also has business-continuity risks that need to be addressed.
DWAI Consulting connects employee benefits with owner protection so your health plan, life insurance, and business planning are not treated as separate conversations.
Mon | 09:00 am – 04:00 pm | |
Tue | 09:00 am – 04:00 pm | |
Wed | 09:00 am – 04:00 pm | |
Thu | 09:00 am – 04:00 pm | |
Fri | 09:00 am – 02:00 pm | |
Sat | Closed | |
Sun | Closed |
Copyright © 2025 DWAI Consulting - All Rights Reserved.
Specializing in level-funded health plans and buy-sell planning for growing businesses.
DWAI Consulting provides employee benefits strategy and licensed insurance brokerage services for small businesses. Information on this website is for general educational purposes only and is not legal, tax, actuarial, payroll, HR, or compliance advice. Any rates, savings estimates, plan examples, or contribution illustrations are preliminary and subject to carrier approval, eligibility, participation, plan availability, and required documentation. DWAI does not guarantee premium savings, carrier approval, employee participation, tax treatment, or compliance outcomes. Insurance products and services are available only where DWAI and its producers are properly licensed and where products are available from authorized carriers. DWAI may be compensated through guide/resource fees, consulting or setup fees, carrier commissions, or a combination of these, depending on the service provided and applicable law. Any required compensation disclosures will be provided before an employer makes a purchasing decision or enters into a covered service arrangement.