Better Employee
Benefits Packages

For 30 years, we've helped thousands of businesses design affordable, high-value benefits that attract and retain top talent.

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Access to the Nation's Leading Carriers
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Are Your Benefits Costs and
Complexities
Holding You Back?

You need benefits that build your team without breaking your budget. We see how frustrating it is
when rising costs, confusing plans, and heavy administration get in the way of growth.

Stop Overpaying for

Premiums

Skyrocketing annual renewals force you into difficult choices between your budget and your people. You suspect better rates are out there but lack the time and leverage to find them.

Attract and Keep Your Best People

Top candidates expect competitive benefits. If your plans are confusing or less attractive than the competition's, you risk losing your most valuable team members to other offers.

End Employee and HR
Frustration

Your team is stretched thin managing compliance and answering the same benefits questions over and over. This administrative burden distracts from the strategic work that moves your business forward.

Gain a True Partner in Benefits
Strategy and Cost Control

We go beyond basic brokerage to become an extension of your team. Our focus is simple: deliver better outcomes for your business, your budget, and your employees.

  • Data-Driven Brokerage That Finds Savings

    We use benchmark data to see how your current business health plans stack up against others. This analysis, combined with our platinum-level carrier relationships, consistently uncovers significant savings and opportunities for improvement.

  • Plans and Support That Employees Actually Value

    A great plan is only effective if employees use and appreciate it. We help you communicate that value with clear, year-round education and provide a dedicated concierge team to help your people with claims and questions.

See How FD National Delivers More Value

Unlike bundled PEOs or impersonal payroll providers, our independent model is built around your
specific needs, giving you more flexibility and expert, hands-on support.

Capability

Plan Choice & Design

Cost Savings

Employee Support

HR & Tech Flexibility

FD National

Complete market access and custom plan design.

Deep benchmarking and negotiation leverage.

Dedicated concierge team for claim and questions.

We integrate with your preferred payroll/HRIS

PEOs

Limited to their single master health plan

Higher overhead costs are passed on to you.

Support is often through a generic 1-800 number.

Locks you into their proprietary, all-or-nothing platform.

Payroll Providers

Only basic, pre-packaged plan options.

No advanced cost-containment strategies.

No support for employee benefits questions.

Tech is focused only on payroll, not benefits.

How We Saved a 49-Person Firm
~$200,000 Anually

A local firm was stuck with an overpriced plan from a big-name broker. They needed to cut costs without sacrificing the quality of coverage for their team.

16.5%

decrease in renewal costs

~$200K

in annual premium savings

100%

of medical premiums now covered by employer

Problem

Their long-time plan was no longer competitive, and their renewal was set to increase costs even further.

Solution

We shopped the entire market and used our benchmark data to negotiate a more competitive carrier and plan design.

Results

The client now enjoys superior benefits and a stronger negotiating position for future renewals.

Are Your Benefits
Competitive? Find Out

Download our exclusive 2025 report to see how your benefits compare to other small and mid-sized businesses in the South Florida market. This data is essential for smart budgeting and talent strategy.

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Your Path to Effortless Benefits Administration

We make the transition to our concierge support simple and seamless, with a proven process
that minimizes disruption and maximizes value from day one.

1

Discovery & Benchmarking

We start by understanding your goals, budget, and workforce. Then, we analyze your current plans against our market data to identify immediate opportunities for savings and improvement.

2

Strategy & Implementation

We present clear, data-backed recommendations and manage the entire implementation process, from carrier negotiations to a smooth, paperless open enrollment for your employees.

3

Year-Round Support

Our partnership doesn’t end after enrollment. Our in-house concierge team provides ongoing support for your HR team and helps your employees navigate their benefits all year long.

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Total Compliance and

Tech Integration, Handled for You

We ensure your benefits program is not only competitive but also fully compliant and easy to
manage. Our team provides expert guidance on all regulatory matters and integrates with the HR technology you already use.

ACA Reporting & Filing (1094/1095)

COBRA Administration

ERISA
Compliance

Seamless Payroll & HRIS Integration

Employee Navigator Platform Included

What Our Clients Say

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Krystal is my expert. She is a wealth of knowledge and provides excellent guidance based on my situation. I am diabetic.

Paul Davis Restoration of Broward

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Carrie and David are beyond helpful. They go to bat for me and advocate with passion to get me the best healthcare coverage, expedited claims, etc

Yossi Bryski

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I had a great experience working with Amanda—she was incredibly helpful and made the entire process of obtaining my insurance cards quick and easy...

GLADYS VILLALOBOS

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Financial Designs was great to work with. Communication was top notch and they were able to help me make some changes to my medical benefits. Would highly recommend them. AAA+++

Jimmy Hernandez

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I had an outstanding experience with Massiel Pena from the claims department! She was incredibly helpful, fast, and efficient in handling my claim...

Viktoria Peshkur

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Yarelis was amazing in further supporting me with all aspects of the questions I had regarding my health insurance. Quick and thorough response. Very helpful

Andrew Chung

Frequently Asked Questions

How are you different from a PEO?

We provide expert benefits brokerage and HR guidance without forcing you into a co-employment relationship. This means you get specialized advice and support while retaining full control of your business, culture, and choice of vendors.

Can you really lower our insurance costs?

Yes, in most cases we can. We leverage our deep market relationships and exclusive benchmark data to negotiate better rates and plan designs than most businesses can access on their own, often saving clients thousands.

What if we like our current payroll provider?

That is perfectly fine. Unlike PEOs that require you to use their bundled services, we are technology-agnostic. Our benefits administration platform integrates seamlessly with most major payroll systems, so there is no need to change what already works for you.

How do you help our employees directly?

We provide a dedicated concierge team as a direct point of contact for your employees. They can call our local office for help with complex claims, billing questions, or finding an in-network doctor, saving them and your HR team time and frustration.

Ready to Get Started?

Tell us about your business, and one of our experts will reach out to discuss how we can help you achieve your goals.

The FD National Advantage

  • Unbiased, expert advice
  • Solutions tailored to your business
  • Dedicated, human support
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