Our Approach

At Vested Risk, we believe in the power of employee benefits to excite your culture and aid in building a culture that makes your organization a great place to work.


The Problem

We live in a world in which top talent is hard to find. So how you attract and retain the best people is crucial to ensuring your company’s future success.

Although employee benefits are only one piece of why someone chooses to work for you, they are essential if someone is going to maintain a healthy and financially secure lifestyle.

Unfortunately, health care costs continue to escalate and the complexity of the system continues to prohibit good decision-making. To make matters worse, many companies have neglected to put a strategy in place that goes beyond the purchase of coverage for the next 12 months.

The Risk Strategy

Vested Risk will create an employee benefits plan that will engage both you and your employees to take ownership in their future. 

By starting with a workshop that understands what your goals are for your employee benefits program, we can then find the most efficient and effective ways to meet those goals.

Of course, our strategy will focus on managing your employee benefits program over the coming years, rather than just focusing on reducing your premium for the next 12 months.

The Results

  • Employee benefits that your employees love.
  • Feeling in control of your company's health care costs.
  • Benefits communication that your employees actually understand.
  • The confidence to know you're fully compliant.



Our Latest Blog Posts
Only 50% of employees actually understand their health care benefits. 
Pharmaceutical pricing and fees have become the health care industry's dirty little secret.



“We have recently moved to Coldwater, MI.  We have always had the same insurance agent many years.  Needing to switch companies , we began to ask folks in the community who they suggested to contact.  With this, we heard  wonderful things about Carie Proctor with Sumnar Scholl Insurance.  We gave Carie a call.  Right from the beginning I felt a warm trust in this lady."

Julie Zorn