Impact Consulting Group is a boutique consulting firm with 25 years of experience serving small and mid-size employers across the Mountain West and Pacific Northwest. We bring together specialists in benefits, payroll, retirement, and succession planning — coordinated through one trusted relationship.
From controlling benefit costs to securing executive talent and building wealth, we cover every dimension of your employee benefits strategy.
01
Medical inflation is rising 6–10% every year. We design benefit programs that control costs without sacrificing coverage quality — and ensure your plans genuinely meet the needs of your workforce.
02
ACA, ERISA, reporting obligations — the regulatory requirements for employee benefit plans are complex and constantly evolving. We help you stay fully compliant and avoid costly penalties before they arise.
03
When employees don't know how to use their benefits, everyone pays more. We educate your workforce to navigate the healthcare system efficiently — reducing their out-of-pocket costs at the point of care.
04
Your best people are always being recruited. We use insurance-based "golden handcuff" strategies that reward loyalty and create a compelling financial reason for key executives to stay — and stay invested.
05
You've spent years building your business. We put plans in place that ensure it transitions smoothly — protecting its full value for your family, partners, and employees when the time comes to step back.
06
Build and preserve wealth through tax-advantaged insurance strategies designed to grow your assets and pass them efficiently to the next generation — with less lost to taxes along the way.
If you have 1–50 employees and a benefit plan in place, you're navigating a landscape that wasn't designed for businesses your size. These are the four pain points we hear most — framed around what employers actually experience, not just the technical problem.
01 · COST
Premiums renew every year with little explanation, and most small employers accept whatever the carrier sends — because they don't know what to negotiate, or that negotiation is even possible. You're spending significant money with no benchmark to know if it's the right spend.
"Are we overpaying? We honestly have no idea."
02 · COMPLIANCE
ACA, ERISA, COBRA, Section 125, HIPAA — the regulatory landscape is dense and constantly shifting. Most small businesses know enough to be worried but not enough to be confident. One mistake could mean a fine or a lawsuit, and you don't know what you don't know.
"What are we missing that could come back to hurt us?"
03 · ADMINISTRATION
Enrollment, employee questions, carrier coordination, claims disputes, life events — this work lands on whoever is already stretched thin. For small businesses, that's usually the owner or one office manager. Benefits management consumes hours that should go toward running the business.
"This takes so much time and it's not even what we do."
04 · TALENT
Employees compare offers. Small employers often assume they can't match what larger companies offer and settle for bare-minimum plans — then lose good candidates or struggle with retention. The playing field feels fundamentally unfair, and most don't know there are strategies to close the gap.
"We can't compete with what the big companies are offering."
We're not a national call center or a benefits software platform. We're a coordinated team of specialists who work alongside you — and we address each of these challenges directly.
Addressing · Cost Shock
ICG compares your plans against what comparable employers in your region and industry are actually paying. We identify where you're overspending, open carrier conversations you likely couldn't have on your own, and redesign plans to deliver more value per dollar spent.
Addressing · Compliance Fear
We stay current on ACA, ERISA, COBRA, Section 125, and HIPAA so you don't have to. We proactively identify gaps before they become penalties, coordinate with your legal and HR team, and maintain the documentation trail that protects you in an audit.
Addressing · Administration Overload
From open enrollment to carrier disputes and employee questions, we become the first call for benefits-related issues. We also connect you with payroll and HR technology solutions that streamline what can't be delegated — so your team focuses on the business, not the benefits paperwork.
Addressing · Competing for Talent
Small employers can offer competitive benefit packages — they just need the right design and the right partners. ICG helps you build plans that punch above your weight class: voluntary benefits, executive compensation structures, and retention strategies that make talented people think twice about leaving.
National consulting firms assign you a rotating account rep and a 1-800 number. ICG is built differently. We're a boutique firm with over 25 years of experience serving the insurance and benefits needs of small and mid-size employers throughout the Mountain West and Pacific Northwest — and we show up as partners, not vendors.
When you work with ICG, you get direct access to a coordinated network of specialists across every discipline that touches your employee benefit strategy. One relationship. No hand-offs. No gaps.
Short videos and articles covering the topics that matter most to Mountain West business owners. No jargon. No sales pitch. Just useful information.
We'll reach out within one business day to answer your questions and, if it makes sense, schedule a no-cost consultation.
Schedule a no-obligation consultation. We'll review your current situation, identify the gaps and opportunities, and outline a strategy that fits your business — at no cost to you.
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