Smarter employee benefits and group health insurance. Less work for your business.
Maryland-rooted SSGI helps employers control benefit costs, compare group health insurance, simplify administration, and support employees — with experienced guidance, responsive service, and technology built for what comes next.
Enterprise-grade benefits capabilities with the accountability of an independent, family-owned firm.
Family-owned
A Decker Family Company — relationships over transactions.
Independent
We work for you, not a single carrier or parent company.
Multi-state licensed
Multi-state licensed insurance agency. See licenses.
Technology-enabled
Modern tools built for what comes next in benefits.
Five connected paths to better benefits
Each one links to its own route. Together they cover strategy, administration, flexibility, and Maryland FAMLI readiness.
Comprehensive benefits designed to control costs while protecting the people who power your business.
Dental, vision, life, disability, and voluntary/worksite coverage that rounds out your core plan.
Plan administration that reduces burden, helps you coordinate compliance responsibilities, and keeps your plan current.
Individual Coverage Health Reimbursement Arrangements — a flexible alternative to traditional group health.
Get FAMLI-ready with private-plan guidance, payroll prep, and clear timelines for Maryland employers.
An ICHRA comparison that changed the renewal math
One employer faced approximately a 25% traditional renewal increase. SSGI completed a plan comparison and the resulting outcome showed approximately $520,000 in combined annual savings — including approximately $57,000 in direct employer savings — compared with the incumbent renewal.
- ~25%Traditional renewal increase the client faced
- ~$520,000Combined annual savings in the completed comparison
- ~$57,000Direct employer savings versus the incumbent renewal
Figures based on a client-specific plan comparison, rounded, and compared with the incumbent renewal. Results vary and are not guaranteed. Client name, industry, geography, workforce size, carriers, and plan details withheld.
Andrew Decker Perspective
A long-form perspective on how AI, robotics, and lower healthcare costs could reshape employee benefits and the future of work.
One accountable team, end to end
The same licensed team owns your strategy, enrollment, administration, employee support, and renewal — with modern tools handling the repetitive work. Here's how that operating model answers the pressures employers face.
SSGI's Operating Model
AI-assisted execution handles the repetitive work; licensed people remain accountable for every recommendation and decision.
- Strategy
- Enrollment
- Administration
- Employee Support
- Renewal
Licensed people remain accountable for recommendations, guidance, decisions, and exceptions. Technology reduces the workload; it does not replace the guidance you rely on.
Rising benefit costs
Premium increases outpace budgets year after year, squeezing margins and take-home pay alike.
Independent strategy
We benchmark plans across carriers and design a strategy that fits your people and budget — not a single carrier's quota.
Administrative burden
Renewals, compliance, enrollments, and reporting pull your team away from the work that matters.
AI-assisted administration
Modern tools handle eligibility, enrollment, and reporting faster — with experienced people accountable for every outcome.
Employee confusion
Plans are hard to understand. Employees disengage when benefits feel opaque and unsupported.
Year-round employee support
A named team answers questions in plain language and helps your people understand and use what they have.
Employers who want a partner, not just a vendor
SSGI serves employers across our licensed states — from small and growing teams to multi-location groups — with tailored strategies, not off-the-shelf plans.
Small and growing employers
Teams building their first real benefits program — practical plans that attract talent without overbuilding.
Multi-location and multi-state groups
Employers with multiple sites, states, or workforce segments who need coordinated benefits strategy.
Not sure where you fit?
Tell us about your team and we'll recommend the right starting point — no obligation.
SSGI helps employers compare group health insurance and employee benefits across Maryland—including Harford County and Bel Air, Howard County and Columbia, Baltimore County and Baltimore City, Anne Arundel, Cecil, Montgomery, and Prince George's counties—plus multi-state workforces across our licensed states.
Public feedback on Google
Read what employers and individuals have shared publicly about working with SSGI.
Read our Google reviewsFor many employers, discretion matters. SSGI does not display client names, logos, or identifiable results without permission.
In 2020, SSGI acquired Pace Thomas Benefit Services, carrying forward more than 30 years of benefits experience into a family-owned, technology-enabled firm. Read the archived announcement.
Meet the teamReady to cut costs, not benefits?
Request an Employer Benefits Review. We'll look at your plan, your costs, and what comes next — no obligation.
Featured Insight
When Healthcare Gets Cheaper: AI, Employee Benefits and the Future of Work
AI and robotics are poised to reduce both the cost of healthcare and the human labor required to operate today's healthcare and insurance systems—making portable benefits and a universal base layer of healthcare more necessary and achievable.
Read Andrew's perspective