Group benefits that get shopped every year, not renewed by default.

Health, vision, dental, disability, life and AD&D for Pennsylvania employers and the states they operate in. We hold appointments with numerous carriers, so your plan goes to market at every renewal.

What we place

Group health

Fully insured and level-funded plans, HSA and HRA designs.

Dental and vision

Employer-paid or voluntary, bundled or standalone.

Disability

Short and long-term, with the income-replacement math explained.

Group life and AD&D

Basic employer-paid plus voluntary buy-up options.

Accidental death & dismemberment

Standalone or paired with group life.

ACA and ERISA guidance

Employer mandate, plan types and penalties, explained before they cost you.

What your HR person gets back

One place for changes. Adds, terms and qualifying events go through us, not four carrier portals.

Open enrollment, run for you. Meetings, plan documents, and the employee questions that come after.

A renewal you can see. Every option side by side, 60 days before the decision.

Compliance you don't have to track. We flag what's due before the deadline, not after.

Employees over 65

CTR is not a Medicare shop. We do place Medicare coverage in two situations that come up inside an employer group: for employees aged 65 and over, and where an individual coverage HRA (ICHRA) requires it. If Medicare is the whole of what you need, we will say so and point you somewhere better suited.

[Medicare disclaimer — wording to confirm with CTR’s Medicare carrier or FMO compliance contact before this page goes live.] The standard CMS agent disclaimer reads: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.”