Your benefits, handled by Think. Your total rewards, built with Forge.
Think Insurance Group has partnered with Forge Benefits Group, a concierge total rewards advisory firm led by financial and tax professionals. Think keeps placing and servicing your insurance. Forge adds what an insurance agency shouldn't do alone: owner and executive wealth planning, a tax-qualified wellness plan, benchmarking against your peers, and a concierge your people can actually call.
Places and services every insurance line: medical cost strategy, employer-paid coverages, voluntary benefits.
Advises on wealth and retirement, tax-qualified wellness, and P&L benchmarking, with a concierge for owners and employees.
Think places the insurance. Forge builds the wealth around it.
Most companies treat benefits and financial planning as two separate conversations with two separate vendors who never talk. We've joined them. Nothing about your coverage changes: same Think team, same renewal process, same service. You simply gain a second specialist who owns the parts of total rewards that live outside an insurance policy.
Stays your broker.
We keep placing and servicing every insurance line, shopped across carriers, managed all year, with claims advocacy and compliance handled by the team you already know.
Becomes your total rewards advisor.
Financial and tax professionals who build the owner wealth plan, run the tax-qualified wellness program and the benchmarking, and give owners and employees a concierge to call.
Six spokes. One owner for each.
Forge organizes everything a company spends on its people into one Total Rewards hub with six spokes. Every spoke has a clear owner, so nothing falls between two advisors. Select a spoke to see what it covers.
Think places & services
Forge advises
Wealth & Retirement
401(k) design, cash balance plans and executive retention, built by financial and tax professionals around the owners and the people you can't afford to lose.
- 401(k) plan design
- Cash balance plans
- Executive retention strategy
Forge also runs its own flat-fee benefits audit and benchmark cost study, and provides a concierge for owners and employees. Advisory services are provided by Forge Benefits Group; insurance is placed and serviced by Think Insurance Group.
What Think clients gain through the partnership.
Four capabilities that sit beside your insurance, delivered by Forge's financial and tax professionals and coordinated with your Think team.
Owner & executive wealth planning
A plan built around the people who own and run the business: how they save, how much tax they keep, and why their key people stay.
- Cash balance plans
- Non-qualified deferred compensation
- Tax reduction strategy
- Executive retention strategy
1-on-1 employee financial concierge
A real person employees can call about the financial decisions that don't fit on an enrollment form.
- 401(k) rollovers
- Special-needs dependent planning
- Long-term care and eldercare planning
Comp & benefits benchmarking
See where your compensation and benefits spend sits against your peers, and what it does to the P&L, before you make the next decision.
- P&L benchmarking
- Flat-fee benefits audit & benchmark cost study
Tax-qualified wellness
The Engage Wellness plan: telemedicine, mental wellness and everyday health savings, structured to reduce payroll taxes for the company.
- Provided and administered by Engage Wellness
- Delivered through Forge Benefits Group
- See the full program ↓
Wellness your people use, structured to fund itself.
Engage pairs a Self-Insured Medical Expense Reimbursement Plan with a Section 125 cafeteria plan and an ACA-compliant medical plan. Employees complete one wellness activity per quarter, and gain access to care and savings they'll actually use. Because of how the plan is structured, the company's FICA savings can more than cover the program's cost, as Engage's own example below shows.
Telemedicine
See a provider without leaving work or home.
Mental wellness
Powered by S4K Connects: three counseling sessions and a 24/7 “In the Moment” line.
Direct primary care
Optional, $10 per visit where available.
Vision, dental & hearing
Savings on everyday care outside the medical plan.
Discounted labs
Lab work at discounted prices through DirectLabs.
Medical equipment
Savings on medical equipment through Homelink.
ERISA plan documents
Plan documents prepared through BEN-X.
One activity a quarter
The only ask of employees: complete one wellness activity each quarter.
Married employee earning $4,000 a month
| Line item | Amount |
|---|---|
| Employer FICA savings | $111.69 |
| Less: Engage dashboard fee | −$41.00 |
| Net employer savings | $70.69 |
| Net per year | $848.28 |
Single employee, same illustration
$38.56 net / month$462.72 net / year
Illustrative example provided by Engage Wellness; results vary by work state, withholding and deductions; not tax or legal advice. Consult your tax advisor.
Five steps, start to payroll
- 01Census
- 02Review & finalize
- 03Employee presentation
- 04Enrollment
- 05Payroll
Forge coordinates the census and implementation with Engage. Your Think team keeps the medical plan the program pairs with.
Hear it from Engage
The wellness program is provided and administered by Engage Wellness through our partner Forge Benefits Group. Savings figures are an illustrative example provided by Engage Wellness; results vary by work state, withholding and deductions; not tax or legal advice. Consult your tax advisor.
Visit Engage Wellness ↗One introduction. No gaps between advisors.
Think flags the fit
In your benefits audit or at renewal, we spot where owner wealth planning, wellness or benchmarking could help.
Intro to Forge
We make a warm introduction to Forge's team, with the context already shared so you don't start from zero.
Forge builds the plan
Forge runs the owner plan, or the Engage census for wellness, and walks you through the recommendation.
Forge implements
Forge implements its side. Think keeps the insurance relationship: carriers, renewals, service and compliance.
Talk to us about Forge.
Tell us what you're curious about, wellness, owner retirement and wealth, or both. A Think advisor will follow up within one business day and set up the introduction when it's a fit.
Forge's website is launching soon.