Group Benefits


group of people

Our customized employee insurance solutions make your company an attractive place to work while saving you money. We recommend the mix of benefits that best suits the needs of your staff.

DBA is independent of all insurance carriers. We work directly for our clients making our loyalty clear. We keep benchmarking data, up-to-date pooling levels/charges and out of country rates on file in our office which are used as a resource during our renewal negotiations. These resources position DBA to negotiate effectively on behalf of our clients.

DBA has established preferred relationships with many providers due to the size of our block of business, as well as our knowledge and commitment to the industry. These relationships allow us to request exceptions and explore different avenues to offer our clients better solutions.

Our goal is to offer our clients options that reduce costs but do not reduce coverage. We have been very successful at offering solutions to clients that reduce administration fees charged by the insurance carriers. Under an Administrative Services Only (ASO) or Refund Accounting model, we can structure the plan so that our clients have access to surplus refunds. We have also been able to offer clients options to reduce costs for AD&D and Long Term Disability coverage through specialty providers.

Employee Support

We provide support for employees as they learn to navigate their insurance coverage. Whatever it takes to get your employees on the right track, our associates are standing by to help. We also provide Health Care Spending Accounts and Cost Plus arrangements to deliver tax effective compensation.

Types of Coverage

Here are the types of coverage you may wish to include in your employee benefits plan:

  • Flexible Benefit Plans
  • Wellness Accounts
  • Life Insurance
  • Employee / Basic Life
  • Dependent Life
  • Optional Life
  • Accidental Death and Dismemberment
  • Basic
  • Optional
  • Health Benefits
  • Dental Benefits
  • Income Replacement / Disability Plans
  • Short Term Disability
  • Long Term Disability
  • Salary Continuance Plans
  • Business Travel
  • Emergency Out of Country Coverage
  • Critical Illness
  • Employee Assistance Programs
  • Expatriate Insurance
  • U.S. / International Benefits
  • Cross-border Employee Transfer Assistance

Administrative Services Only Plans


An affordable alternative to traditional insurance

Administrative Services Only (ASO), also called Self-insurance, saves your company money on administrative and inflation costs.

DBA is a firm believer in alternative funding arrangements such as the ASO model. Our philosophy is always to reduce the administration fees paid to the insurance carriers while offering our clients the same, and sometimes better, coverage. One option is to implement an ASO on the lower risk components of the plan such as Dental coverage, due to annual maximums built into the plan. Most carriers would allow these to be implemented behind the scenes to reduce employee disruption.

The savings go deep

ASO generally leads to significant savings, read our sample spreadsheet to see where you will save.


Contact our office for a complimentary quote on an ASO model – you will be pleasantly surprised at the savings.