Eben Concepts

What Eben Concepts does

eBen (legal entity Eben Concepts) is a privately held employee benefits brokerage and HR consulting firm founded in 1999, headquartered at 3150 North Elm Street, Suite 201, Greensboro, NC, with additional presence in Fayetteville, NC. The firm operates a four-pillar service platform: (1) Employee Benefits brokerage across health, dental, vision, life, disability, FSA, critical illness, cancer, voluntary, and group pet insurance; (2) Benefits Compliance, including ACA reporting, HIPAA, Form 5500 filing, non-discrimination testing, and dependent eligibility audits; (3) HR Solutions encompassing benefits administration, COBRA administration, payroll, time and attendance software, open enrollment, and HR consulting; and (4) Individual Insurance for health, dental, vision, and Medicare supplement coverage. Its primary customers are employers and businesses in the Southeast US, with a secondary segment of individual insurance buyers. The firm does not operate proprietary technology platforms beyond a client benefits portal and offers no AI or ML-driven products.

The firm's revenue model is dual-stream: insurance brokerage commissions from carriers including AARP/United HealthCare, Alignment Health, AETNA, Anthem/BCBS, Cigna, GTL, Humana, Mutual of Omaha, Silver Scripts, and WellCare, plus professional services fees for HR consulting, benefits administration, compliance, payroll, and COBRA administration. Pricing is quote-based and not publicly disclosed. Go-to-market is sales-led, targeting enterprise and mid-market employers through direct relationship-based selling, supported by content marketing (blog, newsletter, workbooks, case studies) and organic social presence on LinkedIn, Facebook, and Instagram. The firm maintains a public-facing leadership team of licensed professionals (JD, REBC, RHU credentials) and reports a headcount of 51-100 employees.

eBen is affiliated with Risk Strategies, a larger national insurance brokerage, through a strategic partnership established around 2024. Under the partnership, eBen retains its brand, regional client relationships, and operational independence, while leveraging Risk Strategies for expanded back-office capabilities and carrier access. Leadership has publicly framed the affiliation as enabling the firm to function as a 'trusted advisor and business partner' rather than a transactional broker, and as a privately owned company it emphasizes client value over shareholder return. No acquisitions, funding rounds, or material leadership transitions have been disclosed.

Name

Eben Concepts

Legal name

eBen

Website

https://ebenconcepts.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Employee Benefits Brokerage and HR Consulting

NAICS

Human Resources Consulting Services (541612), Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

akta.pro secondary industries

Workforce Benefits Administration (Enrollment & Deductions) (BPACAIAF), Onboarding, Offboarding & Employee Lifecycle Administration (BPACAHAL)

Keywords

• Employee benefits brokerage
• HR consulting services
• Benefits administration
• Benefits compliance management
• Individual insurance brokerage

Headquarters

HQ city

Fayetteville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance carriers including AARP/United HealthCare, Alignment Health, AETNA, Anthem/BCBS, Cigna, GTL, Humana, Mutual of Omaha, Silver Scripts, and WellCare for placing employee benefits coverage.
2. HR Consulting and Professional Services: Fees for HR consulting, benefits administration, compliance services, payroll, COBRA administration, and other professional HR solutions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

eBen is an employee benefits and HR consulting/brokerage firm that designs, places, and administers customized employee benefits packages and HR solutions for employers. Core offerings include brokerage of group benefits (health, dental, vision, life, disability), benefits compliance management (ACA, HIPAA, Form 5500), HR administration services (payroll, COBRA, time & attendance), and individual insurance placement. Revenue is earned via insurance carrier commissions on placed coverage and professional service fees for HR consulting and administration.

Product overview

eBen is an employee benefits and HR consulting/brokerage firm that operates as a unified platform of interconnected services. The core offering comprises four integrated service pillars: Employee Benefits (covering Health, Dental, Vision, Life, Disability, FSA, Critical Illness, Cancer Plans, Voluntary, and Group Pet Insurance), Benefits Compliance (managing ACA Reporting, HIPAA, Form 5500, and other regulatory requirements), HR Solutions (including Benefits Administration, HR Consulting, Payroll, and Time & Attendance Software), and Individual Insurance (Health, Dental, Vision, Medicare). These services are designed to work together as a comprehensive employee benefits and HR management solution for employers.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Comprehensive employee benefits brokerage and consulting covering Health, Dental, Vision, Life, Disability, FSA, Critical Illness, Cancer Plans, Voluntary, and Group Pet Insurance for employer clients. eBen places coverage through multiple carriers including AARP/United HealthCare, AETNA, Anthem/BCBS, Cigna, Humana, Mutual of Omaha, Silver Scripts, and WellCare, and delivers strategy design and execution support to employers.
• Benefits Compliance
• HR Solutions
• Individual Insurance

Quantifiable outcome

• $600k in savings achieved through strategy for limiting exposure

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

One partnership is on record.

• Risk StrategiescoreStrategic or Co-development PartnerPartnership with Risk Strategies, an insurance brokerage firm. The partnership is founded on the premise that an insurance brokerage can be more—a trusted advisor and business partner whose focus on client needs creates value and success. EBen maintains its operations under the eBen brand while leveraging the Risk Strategies partnership for expanded capabilities.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Brown & Brown, Inc. Brown & Brown is a large publicly traded US insurance brokerage with substantial employee benefits practice — operates broadly across all insurance lines and benefits, overlapping with Eben in employer benefits brokerage and risk advisory.
• USI Insurance Services: USI is a top-10 US insurance brokerage with a sizable employee benefits and HR consulting practice serving mid-market and large employers — a broader incumbent competing for the same employer benefits and HR advisory wallet Eben targets.
• Hub International: Hub International is a major North American insurance brokerage offering employee benefits, commercial, and personal insurance — a broad incumbent with benefits brokerage overlap to Eben across mid-market and large employer accounts.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with a large US employee benefits consulting practice — operates broadly across the benefits brokerage value chain where Eben competes.
• NFP (Aon): NFP is a US insurance brokerage and benefits consulting firm recently acquired by Aon — offers mid-market employee benefits, HR consulting, and retirement services broadly comparable to Eben's offering, but at much larger scale and now backed by a global brokerage.
• Marsh McLennan Agency: Marsh McLennan Agency is the middle-market arm of global broker Marsh McLennan, providing employee benefits, commercial insurance, and HR consulting — a broad incumbent competing for the same mid-market employer relationships Eben serves, particularly given its partnership network model (similar in concept to Risk Strategies).

Direct peers

• Alera Group: Alera Group is a national insurance, employee benefits, and HR consulting firm assembled from regional agencies — comparable to Eben in offering employee benefits brokerage, HR consulting, and compliance services to mid-sized employers, though at much greater scale.
• Higginbotham: Higginbotham is a US insurance brokerage and HR consulting firm built largely through regional roll-ups, offering employee benefits, commercial insurance, and HR services to mid-market employers — directly comparable to Eben in regional-mid-market benefits brokerage positioning.
• OneDigital: OneDigital is one of the largest US employee benefits, HR consulting, and wealth management firms serving mid-market and large employers — the closest direct comparable to Eben in service mix (benefits brokerage + HR consulting + compliance) and target segment.

Emerging players

• Insperity: Insperity is a publicly traded PEO providing HR, benefits administration, payroll, and compliance services to SMB and mid-market employers — overlaps with Eben's HR Solutions and Benefits Administration offerings, though via a co-employment model rather than pure brokerage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/eBenBenefits
• LinkedInlinkedin.com/company/ebenconcepts
• Instagraminstagram.com/ebenbenefits

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Eben Concepts