Broker of Record
Break Free from Commissions.
Save money by paying a flat fee for Broker of Record service, without changing your current health plan.
Save money by paying a flat fee for Broker of Record service, without changing your current health plan.
Insurance brokers keep 4–7% of your premium.
That money comes out of your premium every month, whether your broker lifts a finger or not.
California's Prop 103 gave us the authority to refund broker commissions back to you. Most brokers keep it. We give it back and charge a flat fee instead.
Defaults are set to a standard California Silver PPO. Adjust for your group.
Your current broker earns
$3,900
per year
Groundwork charges
$1,200
per year ($10/person/month)
You keep
$2,700
annual savings
* No plan changes required. Your coverage stays exactly the same.
Your broker of record earns their commission every month, automatically, from your premium, whether they answer the phone, help your employees, or do absolutely nothing.
Most companies have no idea who their broker of record even is.
That's our flat fee to be your broker of record. We're reachable, we're accountable, and we actively manage your plan.
No percentage. No hidden take. No surprises.
A Broker of Record letter is a one-page document that transfers broker authority to Groundwork. Your insurer processes it in 1–2 business days. Your plan doesn't change.
The broker commission that was flowing to your old broker now flows to Groundwork. We return the excess above our $10/person/month fee, directly back to you.
Open enrollment help. Claims disputes. Employee questions. Renewal reviews. We do the job your old broker was being paid for but probably wasn't doing.
A Broker of Record (BOR) is the licensed insurance broker designated to represent your company in managing your health plan. Every employer health plan has one on record with the carrier. They receive a commission (typically 4–7% of your monthly premium) in exchange for service and support. The problem is most of them don't do much after the initial sale.
Yes. If you have employer-sponsored health insurance, you have a broker of record on file with your carrier. They've been earning a commission from your premium every month. Whether or not you've ever spoken to them is a different question entirely.
No. Switching your Broker of Record is free. You sign a one-page letter, your insurer processes the change, and that's it. Your plan, your network, your deductibles: nothing changes. The only thing that changes is where the commission goes.
Chances are you've never met them. In many cases, the broker of record is whoever sold your company the plan — possibly years ago, possibly at a different company you worked at before. The commission just keeps flowing.
You can find out by calling the member services number on the back of your insurance card and asking who your broker of record is. Or just reach out to us and we'll help you find out.
Their plan stays exactly the same — same carrier, same network, same ID cards. What changes is that now they have a broker who actually picks up the phone. We handle open enrollment education, claims questions, and coverage disputes so your HR team doesn't have to.
Two reasons. First, even at $10/person/month, this is a viable business for us, especially at scale. We don't need to take 5% to make it work.
Second, and more importantly, we want you to know where your money is actually going. The broker commission is one of the most invisible line items in your benefits budget. We think you should be able to see it, understand it, and decide if it's worth it.
It takes one letter and two business days. Your plan doesn't change. Your savings start the next billing cycle.