NBI & Associates

What NBI & Associates does

NBI & Associates LLC is an independent employee benefits brokerage and consulting firm headquartered in Burleson, Texas (Dallas-Fort Worth area), founded in 1986 by Nathan and Jeannine Beach. The firm places group medical, dental, vision, life, disability, and voluntary benefits for employers by acting as an intermediary between clients and a broad panel of insurance carriers, including Blue Cross Blue Shield of Texas, Aetna, UnitedHealthcare, Cigna, and Humana, alongside specialty carriers such as Sana Benefits, Gravie, Baylor Scott & White, Allstate, and Trustmark. NBI employs a 'BIG/Little' Broker model that combines large-brokerage resources with personalized service, providing consultative strategy (market research, GAP/MERP concepts, level-funded plans, renewal negotiations), year-round account management, on-site enrollment support, and dedicated call-center service for groups of 100+ employees.

The firm's core technology platform is BerniePortal HRIS, a third-party system NBI reskins and bundles at no additional cost to deliver digital onboarding, benefits enrollment, compliance notices, carrier billing integrations, a smartphone app, and 1094C/1095C ACA reporting. Optional modules extend the platform into time and attendance, PTO tracking, applicant tracking, performance management, COBRA administration, FSA/HSA/HRA account administration, and payroll integration. NBI supplements this with in-house automated multi-market quoting systems for side-by-side carrier comparisons and a CRM-based compliance document repository for audit-ready client files.

NBI generates revenue primarily through carrier-paid brokerage commissions on insurance placements, supplemented by benefits consulting fees for strategic advisory work. The firm added two partners via 2021 mergers — Becky Tenseth (TAG Benefits Group) and Darren Hooker — and now operates with roughly 300 commercial accounts, primarily in the DFW/Southwest region but reachable nationally through its Scali Insurance Group partnership. NBI is privately held by the Beach family and partners, with no disclosed external institutional capital, and operates with a small team (1-10 employees) augmented by long-tenured producers.

Name

NBI & Associates

Legal name

NBI & Associates LLC

Website

https://nbiandassociates.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

NBI & Associates is an independent Texas-based employee benefits brokerage founded in 1986 that places group medical, dental, vision, and ancillary benefits for 300+ employers via carrier commissions, supported by a BerniePortal HRIS technology platform and Scali Insurance Group partnership.

Ownership category

akta.pro rank

Product category

Employee Benefits Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Care Navigation, Advocacy & Benefits Guidance Platforms (HLALADAJ)

Keywords

• Employee benefits brokerage
• Group health insurance
• Benefits consulting services
• HR benefits administration
• ACA compliance reporting

Headquarters

HQ city

Burleson

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, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: NBI acts as an independent insurance broker earning commissions from multiple insurance carriers including Blue Cross Blue Shield of Texas, Aetna, UnitedHealthcare, Cigna, Humana, and others. Revenue is generated through placement of employee benefit plans for employers.
2. Benefits Consulting Services: Consulting fees for holistic benefits strategy development, market research analysis, and strategic recommendations including tax savings strategies, GAP/MERP concepts, and level-funded insurance options.
3. Technology Platform Services: Provides BerniePortal HRIS technology platform with features including digital onboarding, compliance tools, and ACA reporting at no additional cost as part of the brokerage service offering.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

NBI & Associates is an independent employee benefits broker that places group medical, dental, vision, life, disability, and voluntary insurance plans with major carriers for employers. Beyond placement, the firm provides benefits strategy consulting (including GAP/MERP, level-funded, and renewal negotiation services), compliance management (ERISA, COBRA, HIPAA, ACA reporting via the BerniePortal HRIS platform), and year-round HR support including on-site enrollment and call center assistance.

Product overview

NBI & Associates provides employee benefits brokerage and HR administration services through a technology-enabled platform model. The core technology platform is BerniePortal HRIS, which NBI uses to deliver integrated benefits administration services including Digital Onboarding, Compliance Notices, Carrier Billing integrations, Smart Phone App, and ACA Reporting. BerniePortal HRIS serves as the central platform with built-in features for compliance tracking and notices, carrier billing integration, and mobile access. Additional optional modules within the platform include Time & Attendance, PTO Tracking, Applicant Tracking, Performance Management, COBRA Administration, and FSA/HSA/HRA Account Administration. The system also offers optional Payroll Integration via BerniePortal's proprietary payroll component. NBI operates as an independent broker agency, utilizing the BerniePortal HRIS platform to connect with major insurance carriers including Blue Cross Blue Shield of Texas, Aetna, UnitedHealthcare, Cigna, and Humana for benefits administration.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Benefits Brokerage & Partnership Independent placement of group medical, dental, vision, life, disability, and voluntary benefits with all major Texas medical carriers for commercial employers, structured as an ongoing broker partnership rather than a one-time transaction.
• Market Research & Analytics Multi-market competitive carrier research and side-by-side analysis using in-house automated quoting systems to surface all available options for an employer's benefits package.
• Strategy Analysis & Superior Strategies Strategic benefits consulting including GAP/MERP concepts (20-35% savings), level-funded insurance options (15-30% savings), tax savings strategies, and renewal negotiation services typically saving 5-10% off annual increase percentages.
• Communication & Implementation Services Execution of benefits delivery including formal on-site enrollment meetings, call center support through Professional Enrollment Concepts for groups with 100+ employees, and employee education on benefit options.
• Client Support & Account Service Year-round HR support with dedicated account managers serving commercial accounts of all sizes, including ongoing issue resolution and benefits administration assistance.
• Compliance Resources & ACA Reporting Compliance support covering ERISA, COBRA, HIPAA, and ACA requirements, including 1094C/1095C ACA Large Employer IRS Reporting with printable filing documents and an audit-ready digital document repository of contracts, enrollment forms, SPDs, and benefits notices.
• LifeX PPO Medical Coverage Individual PPO medical coverage plan offered through the LifeX Research Corporation and administered by Benefits Health Plan Inc (BHPI), where Research Associates complete health activities in return for payments and become eligible for group medical and wellness benefits.
• Individual Insurance Coverage Quoting Quote-generation service for individuals seeking health insurance coverage, accessed via the QuoTit Individual portal linked from the NBI website.

Quantifiable outcome

• GAP/MERP concept strategies typically achieve 20%-35% premium savings compared to traditional plans
• +4 more outcomes

Named customers4 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

Integration16 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• BerniePortalcoreTechnology or IntegrationBerniePortal is NBI's primary HRIS platform partner providing benefits administration technology. The platform offers digital enrollment, compliance tracking, ACA reporting, and employee self-service tools. NBI promotes BerniePortal as a premier NO COST turnkey digital benefits delivery system for their clients.
• Professional Enrollment ConceptsminorImplementation/ SI/ Consulting PartnerProfessional Enrollment Concepts provides call center services for enrollment support, particularly for employers with 100+ employees.
• Scali Insurance GroupcoreChannel Partner/ Reseller/ DistributorNBI & Associates LLC is a proud partner of Scali Insurance Group, a nationwide network of independent insurance agencies dedicated to providing exceptional service and innovative risk solutions. This partnership is displayed prominently on the NBI website and logo section.
• LifeX Research CorporationminorStrategic or Co-development PartnerLifeX Research Corporation provides the LIFE X PPO Medical coverage product for group plan eligibility. Research Associates complete health activities in return for payments and become eligible for group medical and wellness benefits.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 NBI & Associates