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Employee Benefits

Your organization has specific requirements for your benefits package to tackle your unique challenges, manage premiums, and attract and retain talent. Are you settling for a one-size-fits-all plan?

We’ll work with you one-on-one to leverage our world-class resources and create a personalized plan that integrates competitive features with strategies that control costs and keep you compliant.

National Leverage, Local Insights

C2 Solutions

M3 is part of C2 Solutions, a strategic, equal equity partnership of like-minded brokers located throughout the country. Collaborating with these firms allows us to benefit from local expertise while leveraging our collective size to competitively negotiate price, product, service, and market terms with our carrier partners. What does this mean for you? Better contracts, better rates, and better services from a broker who is invested in your community and puts your needs first.


You have enough on your plate. Let us make compliance one less thing you have to worry about. We’ve put together a compliance practice led by Karen Breitnauer that provides personalized consultation for our clients. The team conducts research on regulatory and legislative issues, analyzes them, and breaks them down into plain, easy to understand language to assist with your compliance efforts.

Health Captives for Employee Benefits with M3

The health captive concept takes self-funding one step further, creating a program that allows you to join with like-minded organizations to share similar levels of risk. M3 is one of the only insurance brokers to staff a director of employee benefits captives, Jason Nordby, to keep our clients at the forefront of this innovative funding arrangement.

Self-Funded Plans For Employee Benefits

Self-funded plans let you take control of your healthcare costs, but with control comes complexity. We’re here to help you keep it simple. Matt Boray leads M3’s self-funded practice, partnering with our internal risk management team to provide data-driven recommendations to our self-funded clients on stop-loss coverage, prescription drug benefit management, and more.

Worksite Benefits

Worksite benefits can boost your total rewards compensation and demonstrate your investment in the wellbeing of your team – without driving up your costs.

Cue Katie Ott. As director of M3’s worksite practice, she gets to know your employees and your culture, and pairs you with the right options that drive employee engagement with your program.

  • Accident
  • Critical illness
  • Hospital gap
  • Short-term disability

Integrating Financial Benefits With Your Employee Benefits Strategy

M3’s in-house consultants help you achieve a comprehensive, synergistic benefits package. Programs such as health insurance, health savings accounts, and financial security are inseparable in the lives of your employees – we know that your approach to benefits should be just as aligned.

Our team of retirement plan consultants provide oversight to financial wellness strategy development and implementation, plan and benefit design consulting, investment consulting, and fiduciary risk mitigation.


business people analyzing data

Employee Benefits Risk Management Services

Employee Communication + Engagement

It’s one thing for your organization to have a comprehensive benefits plan, and another for your employees to understand and engage with it. M3 staffs a director of communications, Jeff Christensen, whose expertise lies in developing a complete communications strategy to help your employees understand their benefit plan, and make the best choices for their circumstance.

Employee Wellness

We don’t see wellness as just another box to be checked off. Tyler Stuntebeck, M3’s wellness advisor, can help you identify which wellness initiatives would best fit your employee population to drive participation, control healthcare costs, and provide measurable results.

Data Analysis

Not all quotes are created equal. Our on-staff actuary and underwriting advisors examine the data behind your rates to provide a qualified assessment of renewal calculations and utilization cost drivers to identify potential savings opportunities for your organization.

  • Industry benchmarking
  • Underwriting analysis
  • Health intelligence platform
data analysis dashboard

Uncovering Trends to Better Your Benefits

M3’s annual Health Care Trend Report provides employers with information they need to benchmark their health insurance coverage offerings within the current market by sector, employer size and region. Find out how your plan compares.


2021 Health Care Trend Report Cover Image

HR Technology Consulting

HR technology should make your job easier, not add another category to your to-do list. We can help you sort through technology options and choose the right tools for tasks like benefits administration, payroll, online enrollment, talent management, and more.