MAX Total Benefits Solutions

What MAX Total Benefits Solutions does

MAX Total Benefits Solutions, Inc. is an independent employee benefits brokerage and consulting firm headquartered at 200 Broadhollow Road, Suite 207, Melville, NY. The firm delivers end-to-end employee benefits services spanning strategic plan design, carrier negotiation, implementation, compliance support, HR support, technology-enabled enrollment, and ongoing account management. Its core product portfolio includes health, dental, and vision insurance, group life and disability coverage, FSAs/HSAs, retirement plans, voluntary benefits, compliance services (ACA, DOL, 6055/6056 reporting), HR support, technology services, and a specialty services module that includes a proprietary legal helpline (MTBS HELPLINE), wellness advocacy (Health Advocate), and retirement plan advisory across multiple providers. A dedicated self-employed product line addresses individual PPO plans, MEC coverage, and supplemental products for 1099 contractors and small business owners.

The firm's technology stack is not proprietary; it operates on a Zywave-powered website for client engagement, quote requests, and content, and relies on industry-standard carrier and vendor platforms for benefits administration. It does not expose an API, does not claim proprietary AI/ML capabilities, and does not disclose any data flywheel or differentiated platform architecture.

Commercially, MAX earns revenue exclusively through insurance brokerage commissions paid by carriers (Aetna, Cigna, Empire BCBS, Humana, Kaiser, United Healthcare, CDPHP) as a percentage of premium placed, plus ancillary fees tied to specialty services. It operates a sales-led, consultative GTM motion driven by website quote requests, direct in-person consultation at its Melville office, organic content marketing, a referral program, and email outreach. The firm serves primarily small to mid-market employers with a secondary self-employed and individual segment, operating regionally within New York state without disclosed national or international footprint. Leadership consists of President David M. Solomons (33+ years industry experience), Senior VP of Client Services Jennifer Ocasio, and Client Services-Small Group Natalie Perez, consistent with a boutique brokerage of 1-10 employees.

Name

MAX Total Benefits Solutions

Legal name

MAX Total Benefits Solutions, Inc.

Website

https://mtbenefitsolutions.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

MAX Total Benefits Solutions is an independent employee benefits brokerage and consulting firm based in Melville, NY, serving small to mid-market employers and self-employed individuals with health, dental, vision, compliance, HR, and retirement plan services via carrier commissions.

Ownership category

akta.pro rank

Product category

Employee Benefits Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Compensation, Benefits & Total Rewards Advisory (BPACAJAG)

akta.pro secondary industries

Benefits Administration & Total Rewards Outsourcing (BPACAKAE), Benefits Administration & Enrollment Support (BPAAAIAB), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Employee benefits brokerage
• Benefits consulting services
• Group health insurance
• Insurance brokerage solutions
• HR compliance support

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage, MAX Total Benefits Solutions earns commissions from insurance carriers (Aetna, Cigna, Empire BCBS, Humana, Kaiser, United Healthcare, CDPHC) for placing employee benefits business. Commissions are typically a percentage of premium volume placed through the brokerage.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MAX Total Benefits Solutions is an independent insurance brokerage and consulting firm that places group and individual insurance coverage (health, dental, vision, life, disability, FSA/HSA, retirement, and voluntary benefits) with multiple national carriers on behalf of employers and self-employed clients. The firm delivers end-to-end benefits consulting including strategic plan design, carrier negotiation, implementation, compliance monitoring, HR support, technology/enrollment tools, and ongoing account management. It earns commissions from carriers and provides supplemental consulting services such as legal helpline access, wellness advocacy, and M&A due diligence reviews.

Product overview

MAX Total Benefits Solutions operates as a comprehensive employee benefits brokerage and consulting firm offering an integrated portfolio of services. The core offering encompasses employee benefits consulting, compliance services, core benefits administration, HR support, technology services, and communication/marketing tools. The company provides specialized insurance products including health, dental, and vision insurance alongside specialty services such as FSA/HSA/HRA administration, retirement plan consulting, legal helplines, and wellness programs. The specialty services module augments the core consulting practice with specialized tools including the MTBS HELPLINE, Health Advocate wellness program, and client benefits portal. For self-employed individuals, a dedicated module offers tailored medical plans (PPO), minimum essential coverage, and supplemental benefits. Together, these services form an end-to-end employee benefits ecosystem spanning plan design, carrier negotiation, implementation, compliance, and ongoing administration.

Differentiator

Problem solved

Functional benefit

Products and services

• Communication & Marketing Wellness programs and employee communications services including health and wellness information, fitness programs, newsletters, videos, and employee communications to keep the workforce informed and engaged. Designed for employer clients seeking to strengthen benefits engagement.
• Compliance Services Federal benefits law compliance support covering ACA and DOL compliance, 6055/6056 reporting, 1094/1095 filing, HR assistance, employee benefits statements, employee handbook services, and attorney-reviewed newsletters. Targeted at employer clients navigating complex regulatory requirements.
• Core Services Comprehensive benefits consulting including strategic consulting, plan analysis and design, marketplace search and recommendations, plan implementation and communications, ongoing account management, customized reports, and annual reviews. Core brokerage engagement for employer clients.
• Dental Insurance Dental insurance coverage for individuals and families, including preventive care, basic restorative services, and major restorative work, offered through employer group plans, individual plans, or standalone policies.
• Employee Benefits Full range of employee benefits including group health insurance, dental and vision coverage, life and disability insurance, FSAs, HSAs, retirement plans, 401(k) options, and voluntary supplemental benefits. Comprehensive package for employer clients.
• Employee Benefits for the Self Employed Tailored benefits solutions for self-employed professionals including PPO medical plans, MEC and minimum value plans, dental, vision, life insurance, and critical illness coverage with national networks and no referral requirements. Targeted at freelancers, entrepreneurs, and 1099 contractors.
• Health Insurance Health insurance coverage including individual and family plans, group health insurance, vision and dental insurance, prescription insurance, HSAs, disability insurance, supplemental insurance, and long-term care options.
• HR Support HR support services including vacation tracking, online enrollment, onboarding/offboarding assistance, plan design decision support, and employee portal/HR intranet capabilities for employer clients.
• Specialty Services Specialized benefits services including legal helpline for HR professionals (MTBS HELPLINE), wellness and health advocacy programs (Health Advocate), client benefits portal, M&A due diligence review, FSA/HSA/HRA administration, HRIS/benefits administration, dependent eligibility audits, and retirement plan consulting.
• Technology Services Technology support services for benefits administration including onboarding/offboarding assistance and ACA compliance tools for employer clients.
• Vision Insurance Vision insurance covering routine eye care including eye exams, lenses, frames, contacts, and corrective surgery discounts such as Lasik.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and supporting.

• AetnacoreChannel Partner/ Reseller/ DistributorAetna is one of the major health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers Aetna plans as part of their employee benefits portfolio, providing clients access to Aetna's network and health insurance products.
• CignacoreChannel Partner/ Reseller/ DistributorCigna is one of the major health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers Cigna plans as part of their employee benefits portfolio.
• Empire Blue Cross Blue Shield (Anthem)coreChannel Partner/ Reseller/ DistributorEmpire BCBS is one of the major health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers Empire plans as part of their employee benefits portfolio.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorUnited Healthcare is one of the major health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers United Healthcare plans as part of their employee benefits portfolio.
• HumanacoreChannel Partner/ Reseller/ DistributorHumana is one of the major health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers Humana plans as part of their employee benefits portfolio.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorKaiser Permanente is one of the major health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers Kaiser plans as part of their employee benefits portfolio.
• CDPHCcoreChannel Partner/ Reseller/ DistributorCDPHC is one of the health insurance carriers represented by MAX Total Benefits Solutions. The brokerage offers CDPHP plans as part of their employee benefits portfolio.
• Health AdvocatesupportingStrategic or Co-development PartnerHealth Advocate is offered as part of MAX's wellness and health advocacy programs. The partnership helps employees navigate the healthcare system, manage chronic conditions, and access wellness resources. MAX recommends this tool to improve employee wellness and reduce employer premium costs.
• MTBS HELPLINEsupportingStrategic or Co-development PartnerMTBS HELPLINE is a proprietary legal helpline service provided by MAX for HR professionals. It delivers best-practice advice and counsel on human resource and employment law issues including Wage/Hour, Workers' Compensation, Discrimination, Wrongful Termination, Benefits, ADA and more. Access to employment law attorneys via a state-of-the-art online portal is available to clients as often as needed.
• Retirement Plan Advisory Partners (ING, MetLife, Prudential, American Funds, Fidelity Advisors, Allianz)supportingChannel Partner/ Reseller/ DistributorMAX partners with a full-service securities firm for retirement plan review and consulting. The partnership provides access to providers including ING, MetLife, Prudential, American Funds, Fidelity Advisors, and Allianz for 401(k) and retirement plan services.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• OneDigital: Large tech-enabled employee benefits brokerage focused on mid-market employers, offering consulting, HR support, compliance, and benefits administration across multiple carriers - the same fundamental model MAX pursues, just at greater scale.
• NFP (A Marsh company): Mid-market-focused insurance broker and benefits consultancy placing group health, life, disability, and voluntary lines through multiple carriers; highly comparable to MAX in target segment and service mix.
• USI Insurance Services: Large independent broker delivering group benefits, property/casualty, and retirement consulting to mid-market employers through a multi-carrier, multi-line platform analogous to MAX's model.
• Hub International: Mid-sized insurance brokerage placing employee benefits and commercial lines for employers via multiple carrier relationships; comparable in service portfolio and customer profile to MAX.

Broad incumbents

• Lockton: World's largest independent insurance broker with significant employee benefits practice serving mid-market and large employers across multiple geographies - a scaled, independent analogue that competes for the same target customers.
• Brown & Brown: Diversified insurance brokerage with national reach across commercial and employee benefits lines; operates across a broader portfolio but overlaps directly with MAX in group benefits placement.
• Acrisure: Fast-growing insurance brokerage and financial services platform that aggressively acquires regional brokerages like MAX; competitive overlap plus a potential acquirer of MAX.
• Marsh McLennan: Global insurance brokerage and advisory giant; its Mercer / Marsh benefits divisions directly compete for the same mid-market employer benefits business that MAX targets.
• Aon: Global insurance broker and benefits consultancy whose Health & Benefits practice directly competes for employer group benefits accounts across carrier relationships analogous to MAX's.

Emerging players

• World Insurance Associates: Rapidly growing insurance brokerage roll-up adding regional agencies and employee benefits books; comparable operating model to MAX with acquisitive growth ambition in the same niche.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/p/Max-Total-Benefit-Solutions-Inc-100070341120640
• LinkedInlinkedin.com/in/maxtotalbenefitsolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 MAX Total Benefits Solutions