Core Employee Benefits
Core Employee Benefits is a privately-held Idaho-based insurance brokerage founded in 2013 that places group health, life, dental, disability, and vision insurance for small-to-mid-sized employers across Idaho, primarily in the Boise metropolitan area.
- Company typePrivate
- Founded2013
- HeadquartersEagle, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Core Employee Benefits does
Core Employee Benefits is a privately-held, full-service group benefits insurance brokerage founded in 2013 by AJ Little and headquartered in Eagle, Idaho (serving the Boise metropolitan area). The firm acts as an intermediary between employer clients and insurance carriers, offering group health insurance (available for groups as small as two employees across fully insured, partially self-funded, and fully self-insured plan designs), group life insurance, group dental insurance, group disability insurance (short-term and long-term), group vision insurance, and alternate funding plans that combine partially self-funded and self-funded arrangements with stop-loss protections.
The company has no proprietary technology platform; rather, it operates on standard group-broker workflows, partnering with all major Idaho carriers—including Blue Cross of Idaho, Regence Blue Shield of Idaho, Moda Health, PacificSource, SelectHealth, St. Luke's Health Plan, Allstate/Allied—along with ancillary carriers (Delta Dental, Ameritas, Principal, Companion Life, Kansas City Life) and third-party administrators (Key Benefit Administrators, Lucent Health, 90 Degree Benefits) to assemble customized plan packages. Distribution is direct-to-employer and consultative, anchored on founder AJ Little's Certified Employee Benefit Specialist (CEBS) designation from the Wharton Business School.
Revenue is generated through commissions paid by insurance carriers on placed group policies, structured as a recurring revenue stream tied to premium volume. The firm employs 1-10 people and serves small-to-mid-sized employers in Idaho, ranging from groups of two employees up to 1000+ for self-funded arrangements. There is no record of external funding, parent company ownership, or institutional investment; the business is founder-owned and operated under the Core Employee Benefits legal name with family-member leadership (AJ Little as President; Stephanie Little as Insurance Broker).
Core Employee Benefits firmographics
Firmographics- Name
- Core Employee Benefits
- Legal name
- Core Employee Benefits
- Website
- https://coreemployeebenefits.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Core Employee Benefits is a privately-held Idaho-based insurance brokerage founded in 2013 that places group health, life, dental, disability, and vision insurance for small-to-mid-sized employers across Idaho, primarily in the Boise metropolitan area.
- Ownership category
- akta.pro rank
Core Employee Benefits industry classification
Industry- Product category
- Group Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness) (HLAEAAAK)
- akta.pro secondary industries
- Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Worksite Supplemental Life Insurance (Voluntary Life) (FSAIAMAF), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)
Keywords
Where Core Employee Benefits is headquartered
LocationHeadquarters
- HQ city
- Eagle
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Core Employee Benefits business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Brokerage Commissions: The company generates revenue through commissions paid by insurance carriers for placing group health, life, dental, disability, and vision insurance policies with employers. Commissions are typically a percentage of premiums collected.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Group Health Insurance - Customized plans for 2+ employees |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Core Employee Benefits product offering
Product offeringCore offering
Core Employee Benefits is a full-service insurance brokerage that places group health, life, dental, disability, and vision insurance policies with employers. The agency works with multiple carriers and third-party administrators to offer fully insured, partially self-funded, and fully self-insured plans for employer groups of 2 to 1000+ employees, primarily in Idaho.
Product overview
Core Employee Benefits is a full-service insurance agency offering a portfolio of group benefit products for employers. The core offerings include Group Health Insurance (with options for 2+ employees across fully insured, partially self-funded, and fully self-insured plans), Group Life Insurance, Group Dental Insurance, Group Disability Insurance (short-term and long-term), and Group Vision Insurance. These products are complemented by Alternate Funding Plans that enable partially-self funded and self-funded arrangements with stop-loss insurance protections. The company works with multiple carrier partners and third-party administrators to provide customized benefit solutions for small to large employers.
Differentiator
Problem solved
Functional benefit
Products and services
- Group Health Insurance Employer-based health insurance placement for groups of as few as 2 employees, available as fully insured, partially self-funded, or fully self-insured plans, sourced through multiple Idaho carrier partners.
- Group Life Insurance Group life insurance offered as employer-paid or voluntary coverage for employees, typically placed on a guarantee-issue basis for smaller policies as term insurance through carrier partners such as Companion Life, Kansas City Life, and Principal.
- Group Dental Insurance Group dental insurance covering preventive care through major services, available on an employer-paid or voluntary basis, placed through carriers including Delta Dental, Ameritas, and Principal.
- Group Disability Insurance Paycheck-protection disability insurance structured as a percentage of pay or a flat amount, available as employer-paid or voluntary coverage, with both short-term and long-term disability options placed through carrier partners.
- Group Vision Insurance Vision coverage for eye exams and materials, positioned as an inexpensive employee benefit option and placed through carrier partners such as Ameritas.
- Alternate Funding Plans Partially self-funding and self-funding arrangements for employer groups to manage healthcare assets with stop-loss insurance protections, including packaged plans for smaller employers and à la carte structures for larger employers seeking greater control over cash flow and benefits.
Companies that use Core Employee Benefits
Customer profileSegments2 records
Ideal customer profiles2 records
Core Employee Benefits technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Core Employee Benefits partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- Blue Cross of IdahocoreHealth insurance carrier partner. Core Employee Benefits works with Blue Cross of Idaho to provide group health insurance options to employers.
- Regence Blue Shield of IdahocoreHealth insurance carrier partner providing group health coverage options through the brokerage.
- Moda HealthcoreHealth insurance carrier partner providing group health coverage options.
- PacificSourcecoreHealth insurance carrier partner providing group health coverage options.
- SelectHealthcoreHealth insurance carrier partner providing group health coverage options.
- St. Luke's Health PlancoreHealth insurance carrier partner providing group health coverage options.
- Allstate/AlliedcoreHealth insurance carrier partner providing group coverage options.
- Delta DentalcoreDental insurance carrier partner providing group dental coverage.
- AmeritascoreDental/vision/ancillary insurance carrier partner.
- PrincipalcoreDental/life/disability insurance carrier partner.
- Companion LifeminorLife insurance carrier partner.
- Kansas City LifeminorLife insurance carrier partner.
- Key Benefit AdministratorscoreThird-party administrator (TPA) partner for self-funded plans.
- Lucent HealthcoreThird-party administrator (TPA) partner for self-funded health plans.
- 90 Degree BenefitscoreThird-party administrator (TPA) partner for alternative funding arrangements.
Scale indicators2 records
Recent moves4 records
Expansion highlights3 records
Core Employee Benefits competitors and assessment
Company assessmentBroad incumbents
- OneDigital: OneDigital is one of the largest U.S. employer-benefits brokerages and is the closest scale analog to Core Employee Benefits' SMB/mid-market focus. Both agencies sell group health, life, dental, disability and voluntary benefits to employers via consultative brokerage; OneDigital is the established incumbent Core is competing with for the same client profile.
- USI Insurance Services: USI is a top-5 U.S. insurance brokerage with a substantial employee-benefits practice serving mid-market employers nationally and regionally. It is a direct competitor for the same mid-sized employer accounts Core Employee Benefits targets, with overlapping carrier rosters and self-funded/alternative-funding capabilities.
- Hub International: Hub International is a large North American insurance brokerage with deep employee-benefits capabilities across group health, life, disability and voluntary lines. Comparable to Core in serving mid-sized employer groups, but with a much broader geographic footprint and carrier/consulting resources.
- Brown & Brown Insurance: Brown & Brown is a large publicly traded insurance brokerage with a national employee-benefits segment focused on mid-market employers. Competes with Core for the same employer-benefit buyer, with similar multi-carrier and self-funded/alternative-funding capabilities but vastly greater scale.
- Lockton Companies: Lockton is the world's largest privately held insurance brokerage, with major employee-benefits practices serving mid-to-large employers. Comparable in offering group health, life, disability and alternative funding arrangements, and a direct competitor when local Idaho employers outgrow Core's capacity.
- AssuredPartners: AssuredPartners is a rapidly growing national insurance brokerage with strong employee-benefits capabilities and an active acquirer of regional benefits agencies. Direct competitor to Core in the mid-market employer space and a likely acquirer-type peer given its roll-up M&A strategy.
- NFP (an Aon company): NFP is a mid-to-large U.S. insurance broker and benefits advisor with established group-benefits practices for mid-market employers. Direct competitor in group health, life and disability brokerage, and one of the more active acquirers of regional employee-benefits agencies like Core.
- Mercer (Marsh McLennan): Mercer is the global benefits consulting arm of Marsh McLennan, offering group health, life, disability and voluntary benefits consulting/brokerage to mid-sized and large employers. Comparable product/offering mix to Core but operates at the consulting-strategy end of the spectrum, frequently competing for the same mid-market employer relationships.
Emerging players
- BenefitMall: BenefitMall is a national insurance brokerage and benefits technology platform serving small and mid-sized employers with group health, life, dental and voluntary products — a very close functional analog to Core Employee Benefits, but with proprietary technology and significantly broader carrier/scale.
- SimplyInsured: SimplyInsured is a tech-enabled online broker and small-group benefits platform targeting the same micro/SMB employer segment (small-group health, dental, vision) that Core Employee Benefits serves. Comparable customer profile (2-50 employee employers), contrasted by a digital-first rather than consultative broker delivery model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Core Employee Benefits social profiles
Digital presenceCore Employee Benefits financial estimates
Financial estimateRevenue estimate
Valuation estimate
Core Employee Benefits leadership team
Management profileNumber of profiles
Profiles2 records
Core Employee Benefits funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Core Employee Benefits M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Core Employee Benefits
What does Core Employee Benefits do?
Core Employee Benefits is a full-service insurance brokerage that places group health, life, dental, disability, and vision insurance policies with employers. The agency works with multiple carriers and third-party administrators to offer fully insured, partially self-funded, and fully self-insured plans for employer groups of 2 to 1000+ employees, primarily in Idaho.
Is Core Employee Benefits a public or private company?
Core Employee Benefits is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Core Employee Benefits founded?
Core Employee Benefits was founded in 2013. It employs 1 to 10 people.
Where is Core Employee Benefits based?
Core Employee Benefits is headquartered in Eagle, United States, in the North America region.
How does Core Employee Benefits make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Core Employee Benefits's main competitors?
Broad incumbents on record are OneDigital, USI Insurance Services, Hub International, Brown & Brown Insurance, Lockton Companies, AssuredPartners, NFP (an Aon company) and Mercer (Marsh McLennan). Emerging players are BenefitMall and SimplyInsured.
Does Core Employee Benefits have an API?
No public API is recorded for Core Employee Benefits.
What industry is Core Employee Benefits in?
Core Employee Benefits's product category is Group Insurance Brokerage. Its primary akta.pro industry code is HLAEAAAK, Ancillary Employer Benefits (Life/Disability/Accident/Critical Illness), with a secondary code of FSAIAIAB, Group Disability Income Insurance (Employer-Sponsored). Its NAICS code is 524210 and its SIC code is 6411.