Group Health Insurance
Employee benefits don’t have to be complicated.
Group Benefits Done Right
Make Your Benefits Even Better
A well-designed benefits strategy does more than provide coverage—it helps you attract top talent, ease administrative work, and stay compliant with changing regulations. That’s where Carmel Bay Group can make a difference.
We offer a full range of solutions—from traditional group health and dental plans to exciting new Level Funded programs that offer comprehensive benefits at a great value.
What sets us apart is the level of support we provide. Our team stays actively involved, helping with compliance, administration, and ongoing service—at no additional cost.
Whether you’re introducing benefits for the first time or looking to improve your current plan, our Monterey Bay-based team is here to help you get the most out of your program—today and as your business grows.
Better benefits start here.
Think Differently
Rethink What’s Possible
Benefits do more than check a box—they show your employees what really matters to you. At Carmel Bay Group, we believe your benefits should reflect your values, support the way your business operates, and offer something meaningful to the people who keep it running
When it comes to benefits, every business has its own priorities—some want to bring in strong new hires, others are focused on keeping a reliable team in place, and many are simply looking to make better use of what they’re already spending. Our role is to understand what matters to you and design a strategy that fits—whether that means sticking with a traditional plan, exploring level-funded options, or looking at more tax-efficient ways to provide coverage.
- Thoughtful Planning – Built around your needs, your team, and the way you do business.
- Better Options – Practical alternatives that help you get more value for what you spend
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Real Support – We don’t just set up your plan—we stick with you to help keep it running smoothly.
Are you getting the broker support you need?
Why Choose Carmel Bay Group?
More Than Just a Benefits Broker
Choosing a group health plan is just the beginning. Once your coverage is in place, the real work begins—keeping up with employee needs, managing open enrollment, handling claims, and staying compliant with changing regulations. Even the smallest businesses face responsibilities they may not realize, from properly notifying employees of their options to documenting benefit elections and handling COBRA or leave-related issues.
That’s where Carmel Bay Group stands apart. We stay involved all year—managing open enrollment, guiding employees through their options, and handling behind-the-scenes details like plan updates and compliance. When questions come up, we’re here with answers. Your team gets the support they need, and you stay focused on running your business.
You can get a health plan from just about anywhere—an insurance company, a payroll provider, or another broker. What sets us apart is our accountability and our local roots. We live, work, and get care in the same community you do, so we’re genuinely invested in your success. We won’t leave you to figure things out on your own or hand you off to an 800 number where no one knows your name. And we don’t charge extra for support that should come standard. Best of all, if you like your current plan, there’s no need to change it—you can simply request that we take over as your broker at no cost and we’ll handle the transition and start supporting your existing benefits right away.
Get a Quote, Compare Plans, or Make the Switch
1.Book a Quick Consultation
Reach out by phone or online to discuss on your terms
3.Get a 2nd Opinion
We’ll compare and contrast the solutions that make the most sense.
State of the Art HR
Modern Tools for Managing Benefits with Ease
At Carmel Bay Group, every group client receives access to a secure, user-friendly benefits administration portal—powered by industry-leading technology and backed by advanced encryption and data protection.
Our platform makes it easy for employees to enroll in benefits anytime, anywhere—streamlining onboarding and improving engagement. Best of all, we offer this service at no additional cost.
Keep Benefits and Payroll in Sync
Our system connects smoothly with top payroll providers like ADP, BambooHR, and Paylocity—keeping your data in sync and reducing manual work.
Looking for an all-in-one HR and benefits solution? We also offer Rippling, the nation’s top-rated workforce platform. Through our preferred partnership, CBG clients receive exclusive access and discounted pricing.
Protect Your Company
Stay Compliant—Without the Stress
HR laws are always changing, and even experienced managers can feel uncertain about how to handle complex situations. That’s why we partner with Mineral HR—so our clients have direct access to certified HR professionals who can offer clear, practical guidance when it’s needed most. Whether it’s navigating terminations, leave policies, or sensitive workplace issues, your team has a trusted expert to talk to—so you’re never left guessing.
Access to Senior level HR experts only a phone call or email away.
Build federal and state compliant handbooks that can be easily updated as regulations and best practices evolve.
Easily create ERISA and POP plan documents to be compliant with current law.
Conveniently satisfy mandatory employee training.
Compliance answers you can trust.
Benefits for Your Company
Our Group Health & Benefit Services
Here when you need us