Medical, Dental & Vision
Competitive plans and networks, selected and structured around your ministry's size, staff mix, and budget.
Employee Benefits
Benefits support that works like part of your team
Most church administrators are managing benefits on top of everything else. Our team steps in alongside you — answering your employees' questions directly, handling compliance, and designing coverage built around how your ministry actually works.
How we work
What we take off your plate
You shouldn't have to be the first call when an employee has a benefits question. Here's what our team handles so you can stay focused on serving your people.
01 — Employee support
Employee questions answered directly
When your staff has questions about claims, coverage, or mid-year changes, they call us — not you. We become the first stop, so your office keeps moving.
No phone tree runaround. No bouncing your team between carriers. One responsive benefits team that knows your ministry and your people.
02 — Compliance leadership
Compliance tracked before it becomes a problem
ACA obligations, ERISA requirements, and Section 125 rules can shift quickly. We track them proactively, explain what matters, and keep your ministry ahead of avoidable risk.
- Actionable guidance, not generic alerts
- Planning support before deadlines hit
- Ministry-specific context on every recommendation
03 — Smart plan design
Coverage designed for ministry realities
Housing allowances, missionary travel, seasonal camp staff, and bi-vocational leaders require plan design that matches ministry life — not a corporate template.
Housing allowance-aware planning
Missionary and international considerations
Seasonal and camp staffing support
Bi-vocational team alignment
04 — Ongoing partnership
Year-round partnership, not an annual event
Enrollment and renewals are only part of the work. We stay alongside your team through onboarding, mid-year changes, departures, and the everyday questions that come all year long.
The result: less administrative drag, fewer surprises, and a benefits experience your employees actually trust.
Ministry expertise
The nuances most brokers miss
After 50+ years serving California ministries, we've built deep expertise in the areas where generic brokers typically leave churches exposed. That knowledge shapes how we design every plan we manage.
- COBRA opt-out for qualifying ministries Larger ministries that qualify as church plans may be able to opt out of COBRA entirely — eliminating the cost and complexity of a third-party administrator. When a staff member departs, they contact us directly and we find them a plan that fits their situation and budget. It's a meaningful cost savings most ministries don't know is available to them.
- Housing allowance and clergy compensation Benefits for ordained staff intersect with housing allowance rules in ways that affect plan design and contribution structures. We account for these from the start, not as an afterthought.
- Missionary and international staff coverage Staff on international assignments or short-term mission trips have coverage needs that standard domestic plans don't address. We build these protections in rather than treating them as add-ons.
- Seasonal and bi-vocational staffing models Camp staff, part-time worship leaders, co-supported church planters — ministry employment doesn't fit the standard full-time/part-time mold. We design plans that reflect how your team is actually structured.
Coverage & Programs
Coverage we design and manage for you
Each of these programs is actively supported — we aren't placing a policy and stepping away.
Health Sharing Ministries
A values-aligned alternative to traditional insurance — we help you evaluate whether this model is the right fit for your team.
Short & Long-Term Disability
Protect your staff's income when illness or injury sidelines them — especially important for pastors and key ministry leaders without a traditional safety net.
Key Person Policies
Life coverage designed around the leaders and staff your ministry would struggle to replace.
Section 125 Plans
Pre-tax savings strategies that reduce payroll tax burden for both your ministry and your employees.
Voluntary Benefits
Supplemental coverage your staff can elect on their own — a way to expand what you offer without adding to payroll cost.
Foreign Medical Protection
Medical and evacuation coverage for staff and volunteers on international ministry trips — built in, not bolted on.
ACA Audit & Impact Analysis
Understand your ministry's ACA obligations and optimize your benefits strategy around them — before a compliance issue finds you.
Missionary Respite Medical
Short-term coverage for missionaries visiting home between international assignments, when domestic plans typically don't apply.
Compliance & Missions
Where generic brokers leave you exposed
Compliance and missions coverage are areas where most generalist providers don't have the depth to help. Because we work exclusively with ministries, we know where the gaps are — and we close them before they become your problem.
- ACA audit & impact analysis — know your obligations before they find you
- COBRA opt-out guidance for qualifying church plans — cut the third-party admin cost entirely
- Section 125 pre-tax strategies that reduce payroll tax for both ministry and staff
- Foreign medical and evacuation coverage for international mission trips and deployments
- Short-term respite coverage for missionaries returning home between assignments
The team behind your benefits
When your employees have a question, these are the people who answer. Our benefits specialists bring deep ministry expertise and a direct line for every client they serve.
Amy McBride
Ministry Account Executive
Andrea Rodriguez
Partner
Ashleigh Abbott
Ministry Account Executive
Brandon Selden
Account Executive
Charlie Cutler
President
Conor Wooton
Ministry Account Executive
Doug Wooton
Partner
Edward Robinson Jr.
Associate Partner
Howard Wooton
Associate Partner
Jason Bartenstein
Associate Partner
Kevin Chapman
Account Executive
Kristen Bethel
Ministry Account Executive
Ralph Neighbour III
Insurance Liaison & Relationship Manager
Ryan Lucht
Partner | Director of Employee Benefits
Sam Yeo
Partner, MBA, CIC
Tom Cutler
Founder
Zach Folmer
Partner
Ready to stop doing benefits alone?
Tell us about your ministry and we'll show you what it looks like to have a real partner managing your benefits — one who knows your industry, handles your employees' questions, and keeps you ahead of compliance.
Get a Quote- Employee questions handled directly by our team
- Compliance monitoring included year-round
- COBRA opt-out guidance for qualifying ministries
- 50+ years specializing in California ministries
- Coverage designed around how ministries actually work