CORE Insurance Services

What CORE Insurance Services does

CORE Insurance Services is a privately held insurance brokerage and employee benefits consultancy headquartered in San Mateo, California, with 11-50 employees and over 20 years of operating history. The firm enables small and midsize companies to design, procure, and administer employee benefits packages typically only available to large corporations, serving SMB clients and select enterprise technology-sector firms (including MSI, Microlandusa, and PixArt Imaging) with multi-year tenures of 10-16+ years. Primary service lines span employee benefits (medical, dental, vision, life, disability), 401(k) and retirement plan services with fiduciary support, risk management, international/global benefits, HR solutions, employee advocacy and wellness, and compliance services including ACA reporting.

The underlying technology backbone is the Employee Navigator-powered Benefits & HR Solutions Platform, providing 24/7 online enrollment, employee self-service portals, HR document management, mobile access, ACA tracking, and per-form 1094/1095 generation. CORE pairs this SaaS workflow with a proprietary library of 5,000+ digitally mapped enrollment forms, automated carrier integrations, and recurring compliance content (webinars, monthly legislative newsletters). Delivery is human-led by dedicated account managers, supported by SPHR/PHR certified HR advisors and a senior benefit consultant (Bill Huang) holding MDRT Top of the Table status for the past 10 consecutive years.

CORE makes money primarily through insurance brokerage commissions from carriers across all 50 states (with access to 100+ carrier relationships), supplemented by per-form technology platform fees for compliance filings, professional services fees for benefits and retirement plan consulting, and 401(k) administrative and fiduciary service fees. Go-to-market is consultative, direct B2B sales targeting HR decision-makers and business owners, reinforced by referral-driven growth from long-tenured clients and thought-leadership content.

Name

CORE Insurance Services

Legal name

CORE Insurance Services

Website

https://thecoreinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

CORE Insurance Services is a privately held insurance brokerage and benefits consultancy in San Mateo, California. The firm helps small and midsize companies design and administer employee benefits, retirement plans, compliance, and risk management using an Employee Navigator-powered platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Employee Benefits Consulting

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

akta.pro secondary industries

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Group Whole Life (Limited/Continuous Pay) (FSAIADAE)

Keywords

• Employee benefits brokerage
• Insurance broker services
• Retirement plan administration
• Risk management consulting
• HR compliance solutions

Headquarters

HQ city

San Mateo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: CORE Insurance Services acts as an insurance broker earning commissions from insurance carriers for placing employee benefits coverage including medical, dental, vision, life, and disability insurance. The company has access to top carriers in all 50 states and works with over 100 carrier options.
2. Technology Platform Fees: Per-form fees charged for generating and sending 1094 and 1095 tax forms through the online benefits administration platform.
3. Employee Benefits Consulting: Professional consulting services for benefits package design, plan administration, compliance support, and ongoing account management including carrier updates, auditing, and employee seminars.
4. 401(k) and Retirement Plan Services: 401(k) plan setup, management, and fiduciary services including vendor benchmarking, compliance monitoring, and administrative support for retirement programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

CORE Insurance Services is a B2B insurance brokerage and benefits consultancy that designs, places, and administers employee benefits packages (medical, dental, vision, life, disability), 401(k)/retirement plans, risk management programs, and global/international insurance coverage for small and midsize businesses. The firm pairs these consulting services with an Employee Navigator-powered Benefits & HR Solutions Platform that delivers 24/7 online enrollment, self-service portals, ACA compliance tooling (including 1094/1095 generation), HR management, and document storage for clients and their employees.

Product overview

CORE Insurance Services offers a portfolio of insurance and employee benefits services built around an all-in-one Benefits & HR Solutions Platform (powered by Employee Navigator technology). The core offering combines employee benefits services, retirement plans, risk management, global services, employee advocacy, HR solutions, and compliance services into an integrated suite. The technology platform enables 24/7 online benefits administration with features including enrollment forms, HR self-service portals, mobile access, document management, compliance tracking (ACA, 1094/1095 reporting), and automated updates. These services are delivered alongside human-powered consulting for compliance, risk management, and employee advocacy.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Services Design, placement, and ongoing administration of employee benefits packages including medical, life, dental, vision, and disability coverage, plus compliance services, plan design, program analysis, and dedicated account management. CORE places coverage with top carriers accessible in all 50 states.
• Retirement Plans Services 401(k) and retirement planning services including plan setup, vendor benchmarking, compliance monitoring, fiduciary services, administrative support, and ongoing strategic market monitoring.
• Risk Management Services Risk analysis and bespoke risk management programs, including liability analysis, claims management, risk assessments, and coverage for cyber risks, professional service mistakes, property damage, international risks, human risks, and business interruption.
• Global Services International employee benefit and insurance coverage programs including global medical insurance, business travel insurance, evacuation and assistance services, global benefits benchmarking, and implementation support for multinational companies with expatriate and globally mobile employees.
• Employee Advocacy Programs Corporate wellness and advocacy programs including ergonomic assessment, harassment prevention training, wellness seminars, stress management, health incentives, and professional development training.
• Human Resources Solutions HR outsourcing services providing access to live SPHR/PHR certified advisors, a compliance content library, living handbook builder, training courses, harassment prevention, workplace safety resources, and document creation for ERISA-compliant documents.
• Compliance Services Compliance department services covering ACA compliance audits, preparation of SPD/Form 5500/1094-C/1095-C documents, claims processes, fiduciary standards, and ongoing legislative updates delivered through webinars and monthly newsletters.
• Benefits & HR Solutions Platform An all-in-one online benefits administration and HR software platform (powered by Employee Navigator) providing 24/7 access to enrollment, employee self-service, compliance tracking, and document management for brokers, HR departments, and employees.

Quantifiable outcome

• Long-term client retention exceeding 10-16 years demonstrating sustained value delivery

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Employee NavigatorcoreTechnology or IntegrationStrategic technology partnership providing the all-in-one benefits administration and HR software platform. Employee Navigator is described as working with the nation's leading insurance brokers and carriers to provide companies of all sizes with modernized benefits administration. The platform enables CORE to offer 5000+ digitally mapped enrollment forms, automatic updates, carrier integrations, and seamless benefits management.

Scale indicators8 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Alliant Insurance Services: Alliant is a specialty insurance brokerage serving mid-market and enterprise clients across commercial, employee benefits, and risk — comparable in product breadth and mid-market positioning.
• Brown & Brown Insurance: Brown & Brown is a large publicly traded insurance brokerage providing commercial P&C, employee benefits, and risk services to mid-market and enterprise clients — overlapping with CORE's benefits and risk management offerings at greater scale.
• USI Insurance Services: USI is a major mid-market insurance brokerage and employee benefits consulting firm with proprietary risk-management and benefits-administration capabilities — competing for the same SMB and mid-market benefits accounts as CORE.
• Hub International: Hub International is a large North American insurance brokerage offering commercial, employee benefits, and personal lines — a broad incumbent competing for CORE's mid-market commercial and benefits accounts.
• Lockton: Lockton is the world's largest independent insurance brokerage offering employee benefits, risk management, and retirement services — comparable in core service lines and consultative approach, though operating at far greater scale.

Direct peers

• OneDigital: OneDigital is one of the largest U.S. employee benefits and HR consulting brokerages serving mid-market employers with a comparable multi-line benefits, retirement, and HR advisory portfolio — a direct SMB/mid-market competitor to CORE.
• Sequoia Consulting Group: Sequoia is an HR, benefits, and risk-management consulting firm serving mid-market and technology clients — closely comparable in client profile (notably tech-sector employers), service breadth, and benefits-administration focus.
• BenefitMall: BenefitMall is a national employee benefits brokerage and administration platform serving small and midsize employers — directly comparable in target segment, benefits-brokerage model, and carrier-multiplicity approach.
• NFP (an Aon company): NFP is a mid-market-focused insurance broker and benefits consultant offering employee benefits, retirement, and risk management — directly comparable in target market, product mix, and consultative brokerage model.
• CBIZ Benefits & Insurance Services: CBIZ provides employee benefits brokerage and HR consulting to small and midsize businesses — directly comparable in target market and service mix, including benefits, retirement, and HR advisory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/coreinsured

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CORE Insurance Services