How We Work

Benefits Your Employees Need at a Rate You Can Afford
Employer-sponsored benefit programs are a key offering for many companies that allow you to attract and retain more qualified workers. But providing these programs can often be expensive, especially for small-business owners who don’t have a large budget for these programs.
At Thomas A. Schmidt & Associates, we work as your advocate to help find the benefit programs that you want to provide for your employees, at a price point your business can afford. Can’t find the right program in the marketplace? We’ll help you build one from the ground up by combining different products from multiple providers so that you can find the option that best meets your company and your workers needs.
Life Insurance, Medical Insurance, Retirement Benefits, and More
There are many different types of benefit options out there, and it’s up to you as the employer to determine which ones you’ll be offering for your employees. Whichever benefits you choose to provide, we can help. We can offer guidance and support in implementing all of the following types of employer-sponsored benefits programs:
- Group Medical Insurance (Fully Insured and Self Funded)
- Life insurance (including term, whole, universal, and more)
- Long-term and short-term disability
- Vision and dental insurance
- Accident, cancer, critical care insurance
- 401(k) retirement plans
- 403(b) plans
- 457 plans
- SIMPLE plans
- SEPs
- And more
Whichever benefits you want to provide, we’ll work to find you the best option for your company and your employees. And if your needs change or the costs rise, we’ll reassess and help you determine if your benefit plan needs to change too.

Gain More Control of Plan Costs with Self-Funding
Certain types of employee benefits—especially major medical insurance—can be expensive for businesses to offer. It is often one of the top 5 business expense inside a company and the only one they have little or no control over the increases each year.
Smaller companies will often only offer basic employee benefits, if any at all. If the marketplace offerings just aren’t working for you, we can walk you through the process of self-funding portions your employee’s insurance benefits, so you can provide more options to your workers while staying in budget.
Self-funding can be complex, but often allows employers to have more control of their expenses and benefits programs than traditional medical insurance products. We can provide you with the information, guidance, and ongoing support you need to help determine if this is the right path for you, and get you started on self-funding your plans.