Helping employers stop overpaying for healthcare
ESG partners with growth-minded employers to cut healthcare and benefits costs — without cutting coverage, sacrificing quality, or moving employees onto a worse plan.
Real Results
One of dozens of Minnesota employers ESG has helped. See what your company could save →
See what ESG could save your company
Adjust the details below for a rough estimate. Submit for a personalized, no-obligation savings report.
Directional estimate based on average Minnesota employer data — not a quote. Actual savings vary by plan design, claims history, and group size.
Real Results for Real Employers
"We had no idea we were leaving that much on the table until ESG walked us through the numbers. Renewal season used to be dreaded — now it's the easiest part of our year."
- ✓No disruption to current coverage during review
- ✓Clear, documented savings before any plan change
- ✓Ongoing benchmarking, not a one-time fix
Three ways ESG lowers your cost of doing business
Healthcare Cost Reduction
We audit your current group health plan and identify overpayment through level-funded, self-funded, and alternative plan structures — often without changing carriers.
Employer Group Co-Op
By pooling purchasing power across employer groups, ESG unlocks pricing and plan options that individual small businesses can't access on their own.
401(k) Benchmarking
Most Minnesota employers overpay 401(k) fees without knowing it. We benchmark your plan against the market and recover the difference for your business.
For Bookkeepers: Help Your Employer Clients Save More
Join the Bookkeepers' Growth Network and turn what you already know about your clients' books into a referral engine — with revenue share on every employer you introduce to ESG.
Built for employers, bookkeepers, and the HR teams caught in between
Whether you're managing benefits directly or advising the businesses that do, ESG plugs into how you already work.
Why Employers Work With ESG
Rising Healthcare Costs
Minnesota renewals are landing 10–20% above last year. We build a plan before that hits your budget.
Limited Transparency
Most brokers won't show you where the money goes. We open the books on your plan's real cost structure.
Employee Retention
Better benefits at a lower cost keep employees happy without stretching your budget thinner.
Bookkeeping-Friendly
We work directly with your bookkeeper or CPA so nothing falls through the cracks at renewal.
Hidden 401(k) Fees
The average Minnesota employer pays 1.5–2% of plan assets in fees they never see itemized.
Long-Term Sustainability
Not a one-time discount — ongoing benchmarking so costs stay in check year after year.
Most employers don't know how much they're overspending.
110 brokers charge the same premiums as ESG — with none of the benchmarking.
Schedule Your Savings Review