Strategic Partnerships Carmel Bay Group has recently partnered with CalCPA Health to offer exclusive group health plans, signaling openness to alliances that expand their market reach into professional services and accounting firms.

SMB to Growth With a stated capability to design plans for companies of one that scale as they grow, there is a clear opportunity to target small and emerging Californiabased businesses before they hit larger benefits programs.

Compliance Support The firm emphasizes assistance with COBRA, ERISA and other compliance requirements, a service value proposition that can be highlighted to midmarket companies seeking to outsource benefit administration.

Regional Focus Headquartered in Carmel, California, and focusing on California and beyond, potential upsell exists by targeting coastal andBay Area SMBs seeking localized expertise in group insurance plans.

Experience and Service As an independent broker with thirty years of benefit experience and full enrollment/administration support, position Carmel Bay Group as a lowerrisk, high-touch partner for busy HR teams wary of benefits complexity.