Group health
Major medical plans built to fit how your team actually uses care — with cost strategies that hold up at renewal, not just on day one.
- Fully insured & level-funded
- HSA / HRA / FSA design
- Multi-carrier comparisons
Family-owned employee benefits
Benefits your team actually
understands.
Service that feels personal.
Gainpoint designs employee benefits programs for small and mid-sized employers — and quietly handles the rest. We pair the warmth of a family agency with the clarity of modern technology, so you can offer real benefits without the busywork.
- Group health
- Dental & vision
- Life & disability
- Voluntary benefits
- Online administration
Family-owned
Independent and built around relationships, not call centers.
Tech-forward
Modern enrollment, billing, and admin tools your team will actually use.
Tailored
Plans designed around your industry, your team, and your goals.
Hands-on
One point of contact who learns your business and answers their phone.
What we do
A complete benefits program, designed around your team.
Gainpoint specializes in employer-sponsored benefits — the foundation employees expect, plus the voluntary lines that round it out. We help you choose the right mix, keep costs predictable, and actually communicate the value to your people.
Dental & vision
The benefits employees notice every six months. We package them simply, price them fairly, and make enrollment one click — not a packet.
- PPO and DHMO networks
- Orthodontia & preventive care
- Materials & exam coverage
Life insurance
Group term life that protects employees and their families — with the option to add supplemental and dependent coverage at group rates.
- Basic & voluntary group life
- AD&D coverage
- Portable options at separation
Disability
Income protection when employees can't work. Short- and long-term disability designed to coordinate cleanly with sick leave, PTO, and statutory programs.
- STD & LTD
- Executive carve-outs
- Statutory state coordination
Voluntary benefits
Accident, critical illness, hospital indemnity, pet, legal, identity — the employee-paid lines that fill in the gaps without raising your premium spend.
- Accident & critical illness
- Hospital indemnity
- Lifestyle & financial wellness
Benefits administration
A modern online platform for enrollment, eligibility, ACA reporting, and ongoing changes — backed by a real human when something doesn't fit a dropdown.
- Online enrollment
- ACA & carrier reporting
- Employee self-service
Why Gainpoint
A family agency, with the tools of a modern broker.
Most employers are caught between two bad options: a giant brokerage that treats them like a number, or a one-person shop running on email and spreadsheets. Gainpoint is built for the in-between — the businesses that want a real relationship and a modern, well-run program.
Talk to us-
We learn your business first.
Before we quote a single plan, we sit down with you to understand your team, your industry, and what you're actually trying to solve. Benefits get designed around that — not the other way around.
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We carry the operational load.
Renewals, carrier changes, billing questions, employee escalations — the busywork that quietly eats your week. We absorb it so your team can focus on the business.
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We bring in trends, not jargon.
We follow the carriers, the regulations, and what peer employers are doing — and translate it into clear, plain-language recommendations you can act on.
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We answer the phone.
You'll have a dedicated point of contact who knows your plan, your people, and your preferences. Not a ticket queue. Not a different rep every quarter.
Tech-forward experience
Online benefits administration that doesn't feel like 2008.
Our portal handles enrollment, eligibility, life events, ACA reporting, and ongoing changes — for HR and for employees. It's the part of benefits most agencies hand off to a third-party login and forget about. We don't.
- Self-serve enrollment. Employees compare plans, see real cost-per-paycheck, and elect coverage from any device.
- Eligibility & life events. New hires, terminations, marriages, and dependents handled in minutes — not a paper form.
- Carrier & ACA reporting. We keep filings, 1094/1095 forms, and required notices clean and on time.
- One source of truth. HR, finance, and employees all see the same data. No reconciling three spreadsheets.
Implementation
A calm, four-step path to your renewal.
You'll never wonder where things stand. Every engagement follows the same clear rhythm — adjusted to your timeline, not ours.
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01
Discovery
We learn your team, your current plan, your renewal timeline, and the goals you actually care about. No quoting yet — just listening.
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02
Strategy
We model plan options, funding strategies, and contribution structures side-by-side in plain language. You see the trade-offs, not just the totals.
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03
Launch
We configure the portal, build employee communications, and run open enrollment end-to-end. Your team gets a clean, modern experience.
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04
Ongoing
Year-round service: new hires, life events, billing questions, employee escalations, and a structured pre-renewal review well before your next anniversary.
Compliance & support
Quiet, grown-up compliance support.
Benefits regulation is genuinely complicated and genuinely important. We help you stay on the right side of it without drowning you in checklists or legal-sounding memos no one reads.
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ACA & ERISA guidance. Employer-sized requirements, plan documents, SPDs, and required notices — kept current.
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COBRA & state continuation. Coordinated handling for departing employees, with clear timelines for HR.
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Section 125 & HSA support. Pre-tax elections, contribution rules, and year-end reporting handled correctly.
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Reporting calendar. A shared, year-at-a-glance view of what's due, when, and who's responsible.
Gainpoint provides general compliance guidance as part of brokerage services. For specific tax or legal advice, we'll loop in your CPA or counsel.
In their words
What employers tell us they actually want.
The cards below are representative — composite paraphrases of the themes we hear most often from HR leaders and small-business owners. They are not attributed to specific clients.
"I don't need another platform login. I need someone who knows my plan and picks up the phone when an employee is panicking about a claim."
"We want benefits that actually help us hire — not a confusing packet nobody reads in their first week."
"Renewal shouldn't be a surprise. We want to know what's coming three months out and what we can actually do about it."
Get a quote
Tell us about your team.
Share a few details and we'll come back with a thoughtful first take — not a 40-page PDF. Most replies go out within one business day.