Employee Benefits International

What Employee Benefits International does

Employee Benefits International (EBI) is a Phoenix-headquartered, full-service insurance brokerage and consulting firm founded in 2012. The firm specializes in group health insurance and employee benefits placement for U.S. employers ranging from 2-employee small businesses to organizations with 1,000+ employees, with a geographic footprint described as Arizona and most of the United States. EBI generates revenue primarily through insurance carrier commissions for placing group health, ancillary, and stop-loss coverage; the firm does not charge direct brokerage fees to employer clients.

EBI's service catalog extends well beyond brokerage placement into twelve adjacent modules, including consumer-driven healthcare (HSAs/FSAs/HRAs/ICHRA), individual and Medicare solutions, executive insurance, PEO services for the 10-50 employee segment, compliance services (ACA, DOL, IRS, HIPAA, Section 125), HR services, benchmarking, contract review, and stop-loss insurance. It also operates ten industry verticals — auto dealerships, construction, education, healthcare, manufacturing, nonprofit, real estate, restaurants, technology, and tribal insurance — each with a dedicated landing page. The technology stack is industry-standard; EBI does not disclose a proprietary platform and uses conventional brokerage tools for RFP shopping, plan administration, and analytics.

EBI is positioned under OneDigital, a national insurance and risk management platform with more than 200 offices, which provides carrier leverage, back-office scale, and brand credibility. Go-to-market is sales-led and consultative: dedicated in-house benefits specialists reach prospects through direct phone outreach (602-800-5070), online contact forms, and content marketing (HR Elements, Wellness Works, Compliance Advisor newsletters). Named mid-market client logos include Corbins Electric, Destiny Springs Healthcare, and CSI Powerline, with CSI publicly attributing more than 20% premium savings to EBI relative to a prior broker in 2019.

Name

Employee Benefits International

Legal name

Employee Benefits International

Website

https://ebint.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Employee Benefits International is a Phoenix-based, full-service insurance brokerage and consulting firm that places group health and employee benefits coverage for U.S. employers from 2 to 1,000+ employees, operating under the OneDigital national platform across ten industry verticals.

Ownership category

akta.pro rank

Product category

Employee Benefits Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Professional Employer Organizations (561330)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

akta.pro secondary industries

Benefits Administration (BPACAPAC), Benefits Administration & Enrollment Support (BPAAAIAB)

Keywords

• Employee benefits brokerage
• Group health insurance
• Benefits consulting
• PEO services
• Compliance services

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: EBI earns commissions from insurance carriers for placing employee health and benefits coverage for employer clients. As a full-service brokerage, EBI is compensated by insurance providers for bringing them business, while delivering competitive pricing and coverage to employer clients at no direct cost for brokerage services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Employee Benefits International (EBI) is a full-service insurance brokerage and consulting firm that shops, places, and administers group health insurance and employee benefits plans for U.S. employers ranging from small businesses (2–50 employees) to large enterprises (1,000+ employees). The company analyzes employer needs, compares carrier offerings, negotiates coverage and pricing, and provides ongoing compliance, HR, and benefits administration support, earning commissions from insurance carriers for placements.

Product overview

Employee Benefits International (EBI) operates as a full-service insurance brokerage and consulting firm offering a comprehensive portfolio of employee benefits solutions. The core offering is the Employee Benefits brokerage service, which is augmented by specialized modules including Consumer-Driven Healthcare (with HSAs, FSAs, HRAs), Medicare Solutions, Executive Insurance, PEO Services, Compliance Services, HR Services, Benchmarking, Contract Review, and Stop-Loss Insurance. EBI also provides industry-specific benefit programs for Auto Dealerships, Construction, Education, Healthcare, Manufacturing, Nonprofit, Real Estate, Restaurant, Technology, and Tribal Insurance sectors. Content offerings include the HR Elements newsletter, Compliance Advisor newsletter, and Wellness Works newsletter. EBI is powered by OneDigital and headquartered in Phoenix, Arizona, serving businesses across Arizona and most of the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Brokerage Full-service insurance brokerage placing comprehensive group health insurance and ancillary benefits (dental, vision, disability, life, voluntary) for U.S. employers ranging from small businesses (2 employees) to large organizations (1,000+ employees), with carrier shopping, negotiation, and ongoing plan management.
• Consumer-Driven Healthcare Consumer-driven health plan (CDHP) solutions paired with tax-advantaged savings accounts including HSAs, FSAs, and HRAs, designed for employers seeking to control long-term healthcare costs while giving employees choice.
• Health Reimbursement Accounts (HRAs) Employer-owned health spending accounts that reimburse employees for qualified medical expenses, including traditional Excepted Benefit HRAs and Individual Coverage HRAs (ICHRA), provided as a standalone or paired with group health plans.
• Individual Solutions Individual and family insurance products for U.S. consumers, including ACA (Obamacare) plans, short-term medical coverage, dental, accident, and critical illness plans, sold via phone-based licensed producers.
• Medicare Solutions Medicare enrollment assistance and plan selection guidance for employees approaching eligibility age 65, helping employers and individuals navigate Medicare options.
• Executive Insurance Supplemental executive benefit plans including Salary Continuation Plans, Split-Dollar Insurance, Deferred Compensation, SERPs, Executive Bonus Plans, and Group Term Care, sold to employers as part of their executive retention package.
• PEO Services Professional Employer Organization services providing payroll and health benefits outsourcing for small businesses typically with 10–50 employees, aggregating buying power across multiple employers to secure group health rates.
• Compliance Services Regulatory compliance assistance including ACA/DOL/IRS compliance tools, HIPAA privacy audits, ACA reporting, plan documents, Section 125 setup, and PPACA certification, sold to employer clients separately or alongside brokerage.
• HR Services Strategic human resources consulting including HR organizational assessment, leadership coaching, HRIS/Payroll technology selection, mergers & acquisition HR support, compliance & risk management, and succession planning.
• Benchmarking Healthcare benchmarking services including internal, competitive, functional, and generic benchmarking to identify best practices, validate costs, and optimize benefits plans.
• Contract Review Comprehensive review of insurance carrier contracts to identify hidden loopholes, ensure performance, realize cost-savings, and maintain proper plan documents for employer clients.
• Stop-Loss Insurance Risk management product for self-funded health plans providing stop-loss protection to help employers manage healthcare costs while maintaining plan flexibility.

Quantifiable outcome

• Over 20% savings in health insurance costs for at least one client (CSI Powerline, 2019) compared to other brokers

Named customers3 records

Segments14 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• OneDigitalcoreStrategic or Co-development PartnerEBI is Powered by OneDigital, a national insurance and risk management platform with 200+ offices nationwide. OneDigital provides EBI with the resources, scale, and brand credibility of a national organization while EBI operates as a regional Arizona-focused benefits brokerage. EBI's careers page references OneDigital's 200+ office network, indicating a significant parent-affiliate relationship.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Alliant Insurance Services: Privately held U.S. specialty insurance brokerage with strong employee benefits capabilities, serving mid-market and large employers — directly comparable positioning and client base to EBI.
• CBIZ Benefits & Insurance Services: National provider of employee benefits brokerage, PEO, and HR advisory services to mid-market and small employers — closely aligned with EBI's small/mid-market target segments and PEO-enabled service mix.
• USI Insurance Services: Top-10 U.S. insurance brokerage with a strong employee benefits and HR consulting practice, competing head-to-head with EBI in mid-market segments with similar consultative, multi-carrier positioning.
• Hub International: Large U.S. insurance brokerage with deep employee benefits practice serving mid-market and enterprise employers. Directly comparable business model (commission-based brokerage, multi-vertical, carrier-agnostic).
• NFP (Aon): Mid-market-focused insurance broker and benefits advisor recently acquired by Aon, providing employee benefits brokerage, HR consulting, and PEO-adjacent services — highly comparable in size and customer profile to EBI.
• OneDigital: EBI's parent platform and direct affiliate, OneDigital is one of the largest U.S. employee benefits and insurance brokerage firms with 200+ offices. It is the closest comparable given shared service mix and the explicit 'Powered by OneDigital' relationship.
• Lockton Companies: World's largest independent insurance brokerage with substantial employee benefits and group health capabilities. Comparable on consultative brokerage model and benefits-focused service portfolio.

Broad incumbents

• Marsh & McLennan Agency: Mid-market-focused arm of Marsh, offering employee benefits brokerage and HR consulting. Comparable client profile and product mix but with substantially greater resources and geographic breadth.
• Brown & Brown, Inc. Large publicly traded U.S. insurance broker with a sizable employee benefits practice built through serial acquisitions. Overlapping service mix but operates as a diversified incumbent.
• Arthur J. Gallagher & Co. Global, publicly traded insurance brokerage and risk management firm with a major employee benefits division. Comparable service offerings but at vastly larger scale and broader geographic reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ebibenefits

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Employee Benefits International