Five Stones.
The Clear Advantage.
We're a worksite and ancillary benefits platform built on a simple belief — strategy beats size, clarity beats confusion, and the right tools change everything.
The system wasn't built for you. We're here to change that.
The benefits industry is full of giant barriers — strict underwriting, confusing plan designs, participation requirements, and pricing structures built for large organizations. If you're a small or mid-sized employer, an independent producer, or a broker trying to do more for your clients, you already know what that feels like.
You're playing a game that wasn't designed for you to win.
Employers are stretched thin — wearing too many hats, buried in paperwork, and offering benefits their employees don't fully understand. Without education, participation stays low. And when participation is low, nobody wins. Not the employer. Not the employee. Not the carrier.
Producers are stuck inside a system with limited products, limited solutions, limited technology, and limited compensation structures. All of this limits capability. The people who want to do right by their clients often have the fewest resources to do it.
Brokers know their clients need more — enrollment support, voluntary benefits, technology — but adding those capabilities in-house isn't realistic. So the gap stays open.
Meanwhile, insurance remains the one thing people pay for that they can't touch or feel. The one expense with no immediate result. And without real education, employees are left guessing — or opting out entirely. It doesn't have to work this way.
We built Five Stones to
flip the script.
Five Stones is a worksite and ancillary benefits platform that combines hands-on expertise with modern technology to deliver what most of this industry can't — or won't.
We're carrier agnostic. Our only loyalty is to you. Not to a single carrier, not to a commission structure, not to the way things have always been done. We exist to remove the barriers that have kept employers, producers, and brokers from accessing the benefits, tools, and support they need.
Our approach is education first. We don't just hand employees a stack of options and hope for the best. We send trained benefits advisors — in person, virtually, or through our call center — to help people actually understand what's being offered, why it matters, and what it costs per paycheck. The result? Participation rates between 50–65%, compared to the 10–15% industry average when education is missing.
And we don't disappear after enrollment. We aren't transactional. We're just as invested in a claims call as a sales call. That's not a talking point — it's how our business model works. We invest in people and technology that ensure long-term, white-glove service for our clients. The level of support you get in year one is the same support you get in year five.
Five stones. Clear Advantage.
Each of the five stones represents a specific advantage we deliver across our worksite and ancillary benefits platform. Together, they put control back in your hands, expand your options, and create opportunities the traditional model was never designed to offer.
Accessibility
Access to carriers, underwriting, and plan designs that are normally reserved for large organizations — brought down to companies with as few as five employees.
Affordability
Pricing structures and creative plan strategies that increase value without increasing cost. Better benefits don't have to mean bigger bills.
Clarity
Education-first enrollment that helps employees understand their benefits — not just choose them. When people understand, they participate. When they participate, everyone benefits.
Leverage
Technology, tools, strategy, and support that amplify what you're able to offer and deliver. Whether you're an employer, producer, or broker — you punch above your weight with Five Stones.
Better Outcomes
Higher participation. Stronger retention. Happier employees. More confident employers. More capable producers and brokers. This is what happens when you remove the barriers.
Who we serve — and how we show up.
Simple, straightforward, built around you.
No pitch. No pressure. Just a conversation about what you need and how we can help.
Have a Conversation
Tell us what you're up against. What's working, what isn't, and what you wish you had. We listen first — and we listen well.
Get a Custom Strategy
We go to work — evaluating carriers, matching technology, and building a plan tailored to your specific situation.
We Handle the Heavy Lifting
From enrollment to education to ongoing administration and service — we plug in and deliver.
What changes when Five Stones shows up.
The weight lifts. The chaos calms. And your people finally understand what their benefits are actually worth. You reconnect with why you chose to lead your business or serve in HR in the first place. And you get back to focusing on the work that actually moves your organization forward.
Participation rates that double or triple from previous years
Employees who walk away from enrollment feeling educated — not confused
HR teams that get their time back and can focus on the work that grows the business
Benefits administration that runs on a real system — not spreadsheets, not paper, not memory
A partner who shows up the same way in year five as they did in year one
The kind of experience where your employees come up and thank you for what you offer
Let's remove the barriers.
Whether you're an employer looking for a better benefits experience, a producer ready for a real platform, or a broker who wants to expand what you offer your clients — we'd love to hear what you're up against.