Employee benefits for Illinois businesses with 2–50 employees

Small-business benefits. Big-business strategy. Personal support.

AllieAdvisor gives small employers the renewal analysis, employee support, compliance help and year-round attention typically reserved for much larger accounts.

Offer better benefits without becoming the benefits department yourself.

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Illinois businesses with 2–50 employees
Licensed human broker
No separate consulting fee

More than a renewal once a year

Many small employers receive an annual rate sheet, a form to sign and very little guidance.

AllieAdvisor does the work that should come with your brokerage relationship.

A recommendation—not a rate sheet We begin working on your renewal 90 days before your effective date.

You receive a written recommendation explaining what we would change, what we would keep and why. The platform prices carrier plans from filed rates. Where a level-funded or other alternative arrangement might fit your group, your licensed advisor sources and compares it directly — that part is agency work, not something the platform quotes. Either way you get five practical levers for managing cost.

If your current plan remains the best choice, we tell you that too.

A renewal comparison prepared in AllieAdvisor: each current plan shown beside a recommended alternative, with deductible, out-of-pocket maximum, coinsurance and group monthly cost for both — **What the work looks like.** Your current plan beside the alternative, with the reasoning written down. Live demo · fictional client

Enrollment and employee support

We prepare enrollment materials, explain plan differences and help employees with questions about networks, deductibles, ID cards and coverage.

Your employees receive clear information and a direct place to get help, so the owner or office manager does not become the benefits department.

AllieAdvisor employee enrollment in English: three plan options with the employee's own monthly cost after employer contribution, and Allie's guidance — **English.** Their real cost, after your contribution. Live demo · fictional client

Compliance and administration help

AllieAdvisor helps you understand what applies, prepare the necessary materials and keep important benefits processes moving.

COBRA and Illinois continuation, where applicable
Required notices and employee communications
Summary of Benefits and Coverage documents
Eligibility changes and qualifying events
New-hire and terminated-employee benefit steps
Enrollment records and important deadlines

You remain the plan sponsor, but you are not left to manage everything alone.

Why do small employers receive so little attention?

Here is the part most brokers do not say out loud: small-group accounts are usually less profitable under a traditional brokerage model.

They can require many of the same hours as a larger account while producing far less revenue. As a result, brokerages naturally dedicate more of their time and resources to their largest clients.

For a small employer, that can mean less analysis, fewer conversations and a renewal email once a year.

It usually is not a bad broker. It is a service model that was not designed around small groups.

AllieAdvisor was.

Built differently for small groups

AllieAdvisor was designed around the needs and economics of smaller employers.

We use better systems to handle the repetitive administrative work efficiently, giving our broker more time to analyze options, advise employers, support employees and solve problems.

That is how we provide meaningful service to Illinois businesses with as few as two employees.

Better technology behind better service

Allie is the technology behind the brokerage service Legacy Consulting Agencies provides through AllieAdvisor.

She organizes company and employee information, analyzes renewal options, prepares recommendations, generates enrollment materials and helps keep important tasks and deadlines from being missed.

Allie uses modern automation and AI to complete repetitive, data-heavy work that traditionally consumes a broker's time. Allie does the heavy lifting, but a real person signs off. Every renewal, proposal and enrollment we handle for you is reviewed by a licensed broker who knows your group — before it ever reaches your desk. Run your own quotes on the site anytime; when you're ready to decide, we're in the loop.

The technology works behind the scenes. What you experience is better preparation, faster answers and a broker who has time to pay attention.

A broker throughout the year

Benefits problems do not wait for renewal.

Legacy helps with claims, eligibility, ID cards, new hires, terminations and coverage questions throughout the year, with AllieAdvisor doing the work behind it.

You receive a direct relationship with a broker who knows your company—not an 800 number or an unfamiliar service queue.

Built like health data deserves.

256-bit encryption

Data encrypted in transit and at rest. Documents live in private storage, served only through short-lived signed links.

Multi-factor authentication

SMS verification on privileged logins — and it fails closed. No code confirmed, no session.

HIPAA-compliant architecture

Every AI feature that could touch health information runs on infrastructure covered by a Business Associate Agreement. Enforced in code, not policy documents.

Audited, always

Sensitive actions are logged with who, what, and when. Agents are gated on active E&O coverage before they can quote.

Allie is an AI assistant for benefits education: she explains; she doesn't advise. Insurance advice comes from the licensed professionals at Legacy Consulting Agencies — and medical, tax, and legal questions belong with the professionals licensed for them. Verify plan details with your licensed broker and/or carrier.

Serve small businesses, but don't write group health? VB agents, P&C agencies, CPAs, payroll providers —

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A second opinion on your benefits — not on your broker.

You do not have to change your insurance company, your benefits or your broker to get one.

Let us look at your upcoming renewal and talk through the costs, the plan design and what your employees actually get. If you already have a broker, keep them — we can make the plan information clearer and support your employees alongside them.

Legacy Consulting Agencies is the licensed Illinois agency behind AllieAdvisor, and who holds the agent-of-record relationship depends on how the group arrives. Where a licensed broker brings your business in on their own carrier appointments, that broker holds the agent-of-record relationship and keeps 100% of their medical commissions. Where you come to Legacy directly, or through a referral partner, Legacy is the agent of record and carries the accountability. Either way you never pay extra for the platform: whoever is your agent of record earns the standard licensed-agent commission the carrier already builds into every small-group premium, and the plans the platform quotes are priced from the carrier's filed rates.

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