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Case Studies
Real employers. Real problems.
Real results.
Rising premiums, fast growth, compliance risk. Here’s how three Florida employers solved the benefits problems their last broker never addressed.
The Common Thread
Different industries.
Same story.
Each of these employers came to MAR after years with a broker who treated benefits as a once-a-year transaction.
Renewals handled by shopping rates, nothing more
No one looking at the real drivers behind their costs
Employees who didn't understand or value their benefits
01
Mid-Sized Manufacturer · Miami, FL
Premiums climbing, claims high,
and a broker who only shopped rates.
The Result
18%
reduction in overall benefit costs in the first renewal year.
The challenge
Rising group health premiums and high claim utilization were straining the budget. The previous broker shopped rates each year without addressing the underlying cost drivers. Employee satisfaction with benefits was low, and turnover in skilled roles was climbing.
What MAR did
- Full claims and demographic analysis
- Plan redesign with a stronger network match and targeted wellness incentives
- Voluntary critical illness, accident and hospital indemnity at group rates
- Ongoing utilization reviews and employee education sessions
- Direct carrier negotiation using detailed underwriting data
The results
- 18% lower overall benefit costs in year one
- A plan employees rated higher in engagement surveys
- Lower claim frequency after wellness and education initiatives
- Seamless ongoing support for the HR team
“Like having an extra benefits specialist on staff.” — the client’s HR team
02
Professional Services Firm · Greater Orlando
Growing fast,
and losing talent to bigger competitors.
The Result
40→110
employees, with a competitive package that helped them hire faster.
The challenge
Rapid growth from 40 to 110 employees created compliance complexity and inconsistent benefits communication. The firm struggled to attract talent against larger competitors, and its package felt generic and expensive for the value employees saw in it.
What MAR did
- Rebuilt the benefits strategy around the firm's culture and financial goals
- Key-person coverage for critical roles
- Voluntary options employees could customize
- Clear, ongoing communication and open enrollment support
- HR guidance on new and changing regulations
The results
- Faster time-to-hire for key positions
- Higher voluntary participation and employee appreciation scores
- Controlled costs despite headcount nearly tripling
- A multi-year partnership for every benefits question and renewal
Benefits stopped being a line item and became a retention and productivity investment.
03
Hospitality Employer · Central Florida
Low enrollment
put ACA compliance at risk.
The Result
Full
ACA compliance, with significantly higher benefits participation.
The challenge
A largely seasonal and part-time workforce, high turnover and little understanding of the benefits available kept enrollment low. That put the company at risk of ACA penalties and operational disruption. Previous brokers focused on rate shopping instead of the root causes of low participation.
What MAR did
- Full review of workforce demographics, eligibility rules and plan design
- Simplified communication materials
- Targeted on-site and virtual enrollment sessions for shift workers
- More affordable plan options and voluntary benefits that fit the workforce
- Clear guidance on measurement periods, look-back rules and reporting
The results
- Participation up significantly, bringing the company to full ACA compliance
- Lower penalty risk and less administrative burden
- Employees who understand and appreciate their benefits
- Ongoing support for enrollment, compliance tracking and plan optimization
Compliance and engagement improved together, year after year.
Your Story Could Be Next
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