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BSI CORPORATE BENEFITS | NEW JERSEY

Every Renewal Has a Story Behind It

Your benefits plan is a business strategy. We help New Jersey employers understand what's actually driving their costs, not just accept the number at renewal.

See What's Behind Your Renewal
20+
Years Independent
98%
Client Retention
94
Net Promoter Score vs. 48 Industry Avg.
2,100+
Employers in our CORE Consortium


BSI Corporate Benefits has operated independently since 2003, maintains a 98% client retention rate, and manages BSI CORE, a self-funded consortium serving 2,100+ employers.

 

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A DIFFERENT KIND OF BENEFITS PARTNER FOR NEW JERSEY LEADERS

We bring 20+ years of independent, results-driven employee benefits consulting to New Jersey. In a market where renewal costs keep climbing and answers keep getting vaguer, we ask a different question: what's actually driving your number, and what can you do about it?

Learn More About BSI Corporate Benefits

 FOR HR & BENEFITS LEADERS 

A TRUE EXTENSION OF NEW JERSEY HR TEAMS

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You’re juggling compliance, open enrollment, employee questions, and strategic initiatives — with little real support from your broker.

OUR SOLUTION

  • Dedicated Human Service Teams – Real people answering calls, every time. No bots, no scripts.
  • Employee Advocacy – Real people answering calls, solving problems fast
  • Engagement & Education – Boost enrollment and employee satisfaction with ongoing communication
  • Compliance Support – Stay ahead of regulations without the stress
  • Health Solutions Expertise – Offer customized solutions to support health improvement

     

Speak to Someone on Our Team

EVENTS & COMMUNITY

Join us in New Jersey

From community events to educational sessions on the issues shaping today's benefits landscape, BSI shows up in New Jersey year-round. Check back here for upcoming events, or join our mailing list to be the first to hear about opportunities in your area.

Proven Across Industries. Trusted Across the Northeast.

What do you want to understand before your next renewal?

What makes BSI's ownership structure different?

We stay independent. That means our advice is not shaped by a parent company, private equity ownership, or carrier quotas. You get a consulting relationship built around your funding strategy, contract structure, and long-term plan performance.

 
What if we are fully insured today?

That is where many conversations start. We review what is driving your renewal, what your contract language actually says, and whether a different funding approach could give you more control, transparency, and stability without shifting costs to employees.

 
Is BSI CORE only for large employers?

No. BSI CORE was built to give mid-market employers access to the purchasing power and protections that are usually reserved for much larger organizations. It creates more options for employers that want a stronger strategy, not just another renewal cycle.

Can we talk even if we are not ready to change brokers?

Yes. If you want a second look at your renewal, your stop-loss structure, or the assumptions behind your current strategy, we are happy to have that conversation. You do not need to be in a formal search to understand your options.

Why does our renewal keep going up faster than expected?

A few things typically drive it: rising claims and specialty drug costs across the industry, plus plan-specific factors like funding structure and stop-loss contract terms that most employers never see broken out. We've worked with clients facing increases well above 400% traced back to something as specific as a missing rate cap. Before you accept the number, it's worth understanding which of these is actually yours.

Qualities that Set BSI Apart

Choice, Not a Mandate

Most brokers steer you toward whatever their carrier relationships make easiest for them. BSI CORE gives you choice of plan design, carrier, and funding structure, priced by independent actuaries, not the carrier you're being sold. It's why BSI CORE clients have averaged a 5.75% renewal increase, compared to a 14.6% fully-insured market average, over the same period.

 

Full Visibility, No Guessing

You should never have to take your broker's word for how your plan is performing. Every CORE client gets full visibility into their own claims data, year-round, not just at renewal. When a number moves, you'll already know why.

Capped Increases, Real Protection

A missing rate cap is one of the most common reasons a renewal spikes without warning. We've worked with a client whose stop-loss renewal increased 433% in a single year, traced back to exactly that gap. CORE's consortium-wide buying power is built to protect against it happening to you.

Built for the Long Term, Not Just the Renewal

BSI has operated independently since 2003, with no shareholders, carrier quotas, or parent company setting the agenda. That independence is why clients stay: 98% client retention, year after year.

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