C2 Solutions

What C2 Solutions does

C2 Solutions, legally C2 Centric, LLC, is an equity-owned partnership founded in 2012 and headquartered in Grand Rapids, Michigan. It operates as a coordinating platform for eight independent regional employee-benefits brokerages (Conner Strong & Buckelew, Cross Insurance, Holmes Murphy, McGohan Brabender, M3 Insurance, Scott Insurance, Sterling Seacrest Pritchard, and The Partners Group), reaching 36 states through 97+ offices, 280 Employee Benefits Consultants, and 4,735 total employees across the member firms. The combined partnership manages $27B in employee-benefits premiums and reports $1.4B in total firm revenue.

The company's core offering is a portfolio of seven exclusive proprietary products delivered only to member firms: C2 ClaimsCheck (claims auditing with AIM), C2 RxAdvantage (PBM consulting with RxBenefits across Optimize 360, Optimize Direct, and Protect), C2 Absence Navigator and C2 Absence Complete (leave-management and compliance tooling), C2 Benchmarking (powered by Bnchmrk, covering 7,500+ employers and 65,000+ active benefit plans), C2 Actuarial Pricing Support (powered by Claros for large-group rating factors), and C2 Surgery Experience (Goldfinch Health-powered surgical navigation and return-to-work support). Recent additions include BrokerPRO's GenPRO generative-AI document analysis suite, accessed through a partnership announced in August 2025, and a Lincoln Financial Group preferred partnership for ancillary and worksite programs in the middle market.

C2's business model is built on equity ownership and revenue sharing among member firms, commission-based brokerage revenue at the member-firm level on $27B in premiums, and curated preferred-partner economics across stop-loss carriers, ancillary carriers, PBMs, ICHRA providers, and technology vendors (Claros, HealthJoy, BrokerPRO). Pricing to end clients is quote-based and not publicly disclosed; C2 Surgery Experience uses a per-case fee model. The company's stated customer concentration is in middle-market employers and plan sponsors, with member-firm clients ranging from regional small-business accounts to larger enterprise plans. There is no disclosed external private-equity, strategic-parent, or institutional investor ownership.

Name

C2 Solutions

Legal name

C2 Centric, LLC

Website

https://poweredbyc2.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

C2 Solutions is an equity-owned partnership of eight independent regional employee-benefits brokerages that delivers exclusive proprietary products and a curated preferred-partner ecosystem to member firms and their employer clients across 36 states.

Ownership category

akta.pro rank

Headquarters

HQ city

Grand Rapids

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: C2 Solutions operates as an equity-owned partnership of employee benefits brokerages. Member firms generate revenue through commissions from placing employee benefits insurance (health, dental, vision, life, disability) for their clients. C2 as a collective manages $27B in employee benefits premiums and generates $1.4B in total firm revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

C2 Solutions is an equity-owned partnership of independent regional employee benefits brokerages that develops and distributes a portfolio of proprietary employee benefits products and services exclusively to its member firms. These products include claims auditing (ClaimsCheck), pharmacy benefit consulting (RxAdvantage), absence management (Absence Navigator and Absence Complete), benchmarking (powered by Bnchmrk), actuarial pricing support (powered by Claros), and surgery experience management (powered by Goldfinch Health). Member firms then distribute these products along with health, dental, vision, life, and disability insurance to employer clients across 36 states.

Product overview

C2 Solutions is an equity-owned partnership offering a portfolio of exclusive employee benefits products and services through collaborative resource sharing among independent regional member firms. The product portfolio includes C2 ClaimsCheck (health plan auditing partnered with AIM), C2 RxAdvantage (embedded PBM consulting with RxBenefits, Optimize 360/Direct, and Protect clinical oversight components), C2 Absence Navigator (six-tool absence and compliance management), C2 Absence Complete (customizable absence management suite), C2 Benchmarking (powered by Bnchmrk with 65,000+ benefit plans), C2 Actuarial Pricing Support (powered by Claros for large group rating factors), C2 Surgery Experience (Goldfinch Health-powered surgical guidance), and a Pricing Model Tool. This is a multi-product portfolio, not a unified platform with modules—each product serves distinct use cases (claims auditing, pharmacy management, absence compliance, benchmarking, actuarial pricing, surgery navigation) while being offered exclusively to member firms.

Differentiator

Problem solved

Functional benefit

Brands

• ClaimsCheck: Most thorough and comprehensive health plan audit using best-in-class methodologies and auditing techniques
• RxAdvantage
• Absence Navigator
• Absence Complete
• Benchmarking
• Actuarial Pricing Support
• Surgery Experience

Products and services

• C2 ClaimsCheck The most thorough and comprehensive health plan audit designed for employers and plan sponsors, using best-in-class methodologies and auditing techniques. C2 has partnered with AIM (a national independent claims and benefits firm) to build this proprietary claims audit program.
• C2 RxAdvantage Embedded PBM (Pharmacy Benefit Manager) consulting guidance and support delivering best-in-class plan management, competitive contract pricing, and pharmacy benefits management. Includes Optimize 360, Optimize Direct, and Protect components.
• C2 Absence Navigator Six easy-to-use tools to manage leave-of-absence programs effectively while maintaining complex federal and state regulatory compliance rules. Includes Leave Genius Pro subscription, DMEC membership, subject matter expert consulting, FMLA + ADA training, LOA + ADA letters suite and workflows, and compliance updates.
• C2 Absence Complete Comprehensive absence management as a highly customizable suite of services designed to fit clients' unique absence and leave needs. Includes custom services, dedicated client service team, discovery and review, leave and ADA program analysis, RFP and implementation, reporting and analytics, and leave administration solutions.
• C2 Benchmarking Benchmarking reports powered by Bnchmrk for medical and Rx, dental, vision, life, short-term disability and long-term disability. Bnchmrk's robust database covers more than 7,500 employers nationwide and includes more than 65,000 active benefit plans.
• C2 Actuarial Pricing Support Comprehensive reporting on methodology and considerations with actuarially sound development of large group rating factors. Powered by Claros, providing a nationwide data source with factors including age-gender, enrollment tier, regional, historical trend, and utilization and unit cost trend.
• C2 Surgery Experience A revolutionary employee benefit that prevents suboptimal surgery, working within existing insurance networks to improve access, medical guidance, and patient outcomes through Goldfinch Health's nurse navigators and enhanced surgical pathways. Operates on a pay-per-case fee model with measurable results including faster return-to-work times.

Quantifiable outcome

• C2 manages $27B in employee benefits premiums across member firms
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature8 records

Partnerships

23 partnerships are on record, tiered core and major.

• BrokerPROcoreTechnology or Integration · 14 August 2025Partnership giving C2 member firms access to BrokerPRO's PRO Suite including BenchmarkPRO (national benchmarking insights) and GenPRO (generative AI solution for analyzing policies, quotes, and insurance documents). GenPRO has proven to free up an average of 20% of users' time. Partner firms include M3 Insurance Solutions, Conner Strong & Buckelew, Cross Insurance, McGohan Brabender, Sterling Seacrest Pritchard, and The Partners Group.
• Lincoln Financial GroupcoreStrategic or Co-development Partner · 2 December 2024Strategic partnership announced December 2, 2024, enhancing C2's ancillary and worksite program offerings for member firms and their clients. Lincoln Financial Group provides additional resources and expertise specifically tailored for the middle market. Lincoln Financial has approximately 17 million customers and $311 billion in end-of-period account balances as of June 30, 2024.
• AIM (National Independent Claims and Benefits Firm)coreTechnology or IntegrationPartnership with AIM to build C2 ClaimsCheck, a proprietary claims audit program. AIM specializes in reviewing self-funded health plans.
• Goldfinch HealthcoreTechnology or IntegrationPartnership powering C2 Surgery Experience, providing access to Goldfinch's nurse navigators and MDGuidelines Database for surgery outcome validation. Validation Institute-certified methodology.
• BnchmrkcoreTechnology or IntegrationBnchmrk powers C2 Benchmarking, a software and data company focused on employee benefits benchmarking. Database covers more than 7,500 employers nationwide and 65,000+ active benefit plans.
• RxBenefitscoreStrategic or Co-development PartnerPBM partner offering Optimize 360 for leveraged contract savings, Optimize Direct for direct PBM contracting, and Protect for clinical oversight. RxBenefits negotiates with the big three PBMs with fully transparent, client-aligned, guaranteed discounts and rebates.
• Guardian InsurancemajorStrategic or Co-development PartnerPreferred Life, Disability & Worksite Partner listed on C2's preferred partners panel.
• HartfordmajorStrategic or Co-development PartnerPreferred Life, Disability & Worksite Partner listed on C2's preferred partners panel.
• Standard InsurancemajorStrategic or Co-development PartnerPreferred Life, Disability & Worksite Partner listed on C2's preferred partners panel.
• Sun LifemajorStrategic or Co-development PartnerPreferred Life, Disability & Worksite Partner and Preferred Stop Loss Partner listed on C2's preferred partners panel.
• VoyamajorStrategic or Co-development PartnerPreferred Life, Disability & Worksite Partner and Preferred Stop Loss Partner listed on C2's preferred partners panel.
• Northwell Health (NW)majorStrategic or Co-development PartnerPreferred Stop Loss Partner listed on C2's preferred partners panel.
• SymetramajorStrategic or Co-development PartnerPreferred Stop Loss Partner listed on C2's preferred partners panel.
• QBEmajorStrategic or Co-development PartnerPreferred Stop Loss Partner listed on C2's preferred partners panel.
• AffirmedRxmajorStrategic or Co-development PartnerPreferred Pharmacy Benefit Program Partner listed on C2's preferred partners panel.
• RxBmajorStrategic or Co-development PartnerPreferred Pharmacy Benefit Program Partner listed on C2's preferred partners panel.
• CVS CaremarkmajorStrategic or Co-development PartnerPreferred Pharmacy Benefit Program Partner listed on C2's preferred partners panel.
• Express ScriptsmajorStrategic or Co-development PartnerPreferred Pharmacy Benefit Program Partner listed on C2's preferred partners panel.
• Meritain HealthmajorStrategic or Co-development PartnerPreferred Pharmacy Benefit Program Partner listed on C2's preferred partners panel.
• OptumRXmajorStrategic or Co-development PartnerPreferred Pharmacy Benefit Program Partner listed on C2's preferred partners panel.
• RemodelHealthmajorStrategic or Co-development PartnerPreferred ICHRA Partner listed on C2's preferred partners panel.
• ClarosmajorTechnology or IntegrationExclusive Technology Partner listed on C2's preferred partners panel.
• HealthJoymajorTechnology or IntegrationExclusive Technology Partner listed on C2's preferred partners panel.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Lockton Companies: World's largest privately held insurance brokerage with a robust U.S. employee benefits practice serving mid-market and large employers. Closely comparable as a non-public, partner-led brokerage competing against national consolidators.
• USI Insurance Services: Major U.S. insurance brokerage with one of the largest middle-market employee benefits practices. Comparable as a private, growth-oriented brokerage platform using proprietary tools and acquisitions to scale.
• Brown & Brown: Public, decentralized U.S. insurance brokerage with significant employee benefits revenue built through regional office acquisitions. Comparable as a multi-regional, decentralized brokerage serving middle-market employers.
• Hub International: Privately held North American insurance brokerage with a sizable employee benefits segment. Comparable as a private roll-up platform pursuing regional broker acquisition strategies.
• The BIG Alliance (Burns & Wilcox): Network of independent property/casualty insurance agencies offering member firms shared resources, market access, and carrier relationships. Comparable as a 'partnership-of-independents' model, though tilted to P&C rather than benefits.
• Risk Strategies Company: Private national insurance brokerage with significant specialty and benefits exposure. Comparable as a private, growth-oriented broker built through selective regional acquisitions.
• NFP (an Aon company): Middle-market-focused U.S. insurance brokerage with deep employee benefits expertise, now under Aon's ownership. Comparable as a specialized middle-market benefits brokerage platform.

Emerging players

• BrokerTech Ventures: Consortium of independent insurance brokerages collaborating to evaluate and deploy emerging technology. Comparable as an independent-brokerage partnership model focused on technology enablement, with a different cohort of member firms.

Broad incumbents

• Marsh McLennan (Marsh, Mercer, Oliver Wyman): Largest global insurance brokerage and consulting organization with Mercer as a major employee benefits consultant. Represents the dominant incumbent that C2's 'national partnership' model is built to compete against.
• Aon plc: Global professional services firm with major U.S. employee benefits brokerage via Aon and acquired NFP. Competes with C2 in mid-market and large employer benefits segments; serves as broad incumbent reference.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/collaboration-centric-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 C2 Solutions