Employee Benefits Solutions

At Beckham Ellis, we go beyond traditional insurance brokerage. Our employee benefits solutions are designed to help employers control costs, improve employee satisfaction, and build long-term sustainability into their benefits strategy.

Whether you’re a growing business or an established organization, we deliver customized solutions that align with your workforce, budget, and goals.

Request Quote

Proven Performance

150+ Employer Clients Served
Lower Long-Term Costs
15–20% Average Savings with RBP Strategies
National Carrier Access, Local Expertise
A Long-Term Strategy, Not a One-Year Fix

A Modern Approach to Employee Benefits

The traditional fully insured model is no longer the only option—and for many employers, it’s not the best one.

We help you explore and implement alternative funding strategies and innovative plan designs, including:

Level-Funded Health Plans – Level monthly premiums with claims transparency and potential surplus returns without additional liability. Average renewal 2–10%. Minimum enrollment: 10.
Self-Funded & Captive Plans – Traditional self-funding with specific and aggregate stop-loss and captive risk sharing. Long-term stability with average renewals of 0–10% and a 97% client renewal rate. Minimum enrollment: 40.
ICHRA (Individual Coverage HRA) – Employer-funded, tax free reimbursements allowing employees to purchase individual ACA marketplace coverage of their choice. Rates follow the individual ACA market; average renewal over last 5 years is approximately 5%. Minimum enrollment: 2.
Traditionally Fully-Insured — Conventional group coverage with level monthly premiums but limited claims transparency. Renewal ranges 10–40%. Minimum enrollment: 2.
Reference-Based Pricing (RBP) – Medicare-based claim pricing that can reduce premium costs by 15–20% compared to similar network PPO plans. Available in fully insured or level-funded structures with balance-billing protections. Minimum enrollment: 10.

Our role is to guide you through these options and recommend the right structure based on your risk tolerance, workforce demographics, and financial objectives.

Comprehensive Benefits Beyond Medical Coverage

Core Offerings

Group Health Insurance
Dental & Vision Plans
Life & Disability Insurance
Voluntary & Supplemental Benefits
Worksite Benefits Programs

Expanded Solutions

PEO (Professional Employer Organization) Partnerships
HR & Payroll Integration
Compliance Support (ACA, ERISA, COBRA)
Benefits Administration Technology

Technology & Support That Scale With You

Managing benefits shouldn’t be complicated.

We provide access to modern benefits technology platforms that streamline:

Employee enrollment
Benefits communication
Payroll integration
Ongoing plan management

Combined with hands-on support from our team, you get the best of both worlds: high-touch service and high-efficiency systems.

A Strategic Partner—Not Just a Broker

Your benefits strategy should evolve as your business grows.

We act as an extension of your team, providing:

Ongoing plan analysis and benchmarking
Renewal strategy and negotiation
Employee education and enrollment support
Compliance monitoring and guidance

Our goal is simple: help you make smarter decisions year after year. Every employer is different—and your benefits strategy should reflect that.

If you’re ready to reduce benefits costs, improve employee satisfaction, and gain more control over your plan, we’re here to help.

Let’s build a smarter benefits strategy together.

Request Quote

Need an Individual Health
Insurance Quote?
Click here

Blue Cross and Blue Shield

A Division of Patriot Growth Insurance Services, LLC

Charleston Office
802 Coleman Blvd, Suite 101
Mount Pleasant, SC 29464
Map | 843-766-3393

Greenville Office
220 North Main Street
Greenville, SC 29601
Map | 843-819-0908

Georgia Office
301 Sea Island Rd, Suite 6
St. Simons Island, GA 31522
Map | 843-766-3393

Group Health Insurance in Charleston, SC

Group Health Insurance in Greenville, SC

Check us out on LinkedIn

[email protected]

BlueCross BlueShield of South Carolina is an independent licensee of the Blue Cross and Blue Shield Association.

Beckham Insurance Group is an authorized agent for Blue Cross Blue Shield of South Carolina.