Independent benefits advisory · West Michigan
Benefits advice from people who chose to do this differently.
Benefits specialists. No carrier conflicts. Year-round strategy instead of once-a-year renewals. We built Nexus for employers, nonprofits, churches, and families who expect more from their benefits advisor.
- Benefits only
- 50+ carriers, no conflicts
- Same advisor, every year
Your benefits are too important to be someone's side job.
Many brokers who handle employee benefits also sell property and casualty insurance, auto coverage, and life policies. Health insurance is one line among many.
That might have been fine a decade ago. But the regulatory landscape has expanded — ACA reporting, ERISA compliance, COBRA administration, mental health parity, and nondiscrimination testing. Applicable large employers may owe an ACA employer shared-responsibility payment under specific conditions, including when a full-time employee receives a Marketplace premium tax credit. Amounts vary by year and circumstances. Review current IRS guidance before estimating exposure. This isn't something a generalist can manage on the side anymore.
Your benefits program is your second-largest expense after payroll — averaging over $17,000 per employee in 2025. It deserves someone whose only job is getting it right.
Average total health benefit cost per employee, 2025
Source: Mercer
ACA employer shared-responsibility payments depend on employer size, coverage, tax credits, and the applicable year
Source: IRS guidance
Of our advisors' time spent on employee benefits
Source: Nexus
This is what it looks like when your advisor actually knows your plan.
Nexus Benefit Solutions is an employee benefits advisory firm based in West Michigan. Benefits is all we do — no property and casualty, no auto, no side businesses.
We designed Nexus so every advisor has the time to know your workforce, your budget, your culture, and your goals before the renewal conversation starts. When you call, they pick up. When something changes, they're already thinking about what it means for you. That's not a slogan — it's the operating model.
What changes when your advisor thinks like a consultant.
A comprehensive audit
Not of your rates, but of your program. Plan design, utilization patterns, funding structure, contribution strategy, vendor performance, compliance posture.
Plan-specific modeling
Plan design and funding decisions can materially affect cost and employee experience. The effect depends on your claims, workforce, plan terms, and market options, so we model alternatives against your current arrangement rather than promise a result.
Year-round management
We build year-round management into the relationship because that's how you stop inheriting the same plan every October and start actually managing your second-largest expense.
Who we work with
Mid-Market Employers
50–500 employees
Enterprise-level complexity. An advisor with the time and expertise to match it. Self-funded strategy, compliance management, and year-round partnership.
Small Business
Under 50 employees
You don't have an HR department. You shouldn't need one just to offer benefits. We make it simple.
Nonprofits, Churches & Ministries
Mission-driven organizations
When compensation lags the private sector, benefits keep the people who keep your mission running. Church plan exemptions, denominational coordination, and limited budgets that work harder.
Individuals & Families
Personal coverage
Marketplace plans, Medicare supplements, short-term coverage, or bridging a gap between jobs. We help you find the right plan without the runaround.
Independent. On purpose.
Who your broker works for changes everything.
From what they recommend, to how much time they spend on your account, to whether they'll still be there next year. Private equity firms completed over 750 insurance agency acquisitions last year alone. We chose independence because we believe your advisor should answer to you.
Learn why independence mattersNo carrier ownership or quotas
No investor mandates or exit strategy
50+ carriers, zero conflicts of interest
Your advisor answers to you — period
What clients say
Don't take our word for it.
Working with the team at Nexus Benefits has transformed my understanding of how to develop a true healthcare strategy for my team.
Start with a conversation.
No pitch. No obligation. Just 30 minutes with an advisor who has time to listen — and the expertise to help.