And this is a really big reason why the average employer wastes $2,500 per employee per year, because no one shows them how to do it, how to optimize.

What can he actually do? And so our answer to that is that we developed the fee based benefits consulting model. So what that does is that it means that we are free to be agnostic, take an agnostic perspective on the marketplace of strategies and solutions, and give our clients unbiased advice about how to maximize the return on their benefits investment.

And even though our fee really is very similar to what they're paying in commissions and bonuses what it does is that it allows us to be truly agnostic to the marketplace. How do we eliminate this waste? Well, we help employers innovate. Take them from the 1990s up to the modern age. That's the opportunity.

Or would they prefer to have an organization, a CPA firm, a fee based benefits firm, sitting on their side of the table to collaborate and solve these business challenges?