Harbor Financial Group is now ThirdWave Benefits. Learn more

Group Benefits

Build a Benefits Strategy That Strengthens Your Business

You're building a company people want to stay with, protecting families, managing compliance responsibility, and investing in culture.

Your benefits strategy should support all of that.

At ThirdWave Benefits, you gain a long-term partner who guides, advocates, and simplifies every stage of the process.

An advisor mapping out a benefits strategy at a whiteboard
Three coworkers smiling during a benefits planning conversation

For Employers

What We Help You Create

Benefits Built Around Your People

A strong benefits strategy functions as a coordinated system. Each element supports the others, creating alignment between your goals, your budget, and your people.

  • Major Medical (Fully Funded, Level-Funded, Self-Funded)
  • Dental and Vision
  • Basic and Voluntary Life Insurance
  • Short and Long-Term Disability
  • Worksite Benefits
  • Direct Primary Care
  • Telehealth
  • COBRA administration
  • FSAs, HRAs, HSAs
  • Benefits Administration Technology
  • 401(k) coordination

Start a Group Plan Review

Confidence in Compliance

Healthcare regulations continue to evolve. You don't need to track every update alone. We provide structured compliance support, proactive guidance, and access to tools.

A Culture Employees Stay For

Benefits are one of the clearest signals of how a company values its team. When employees feel protected and supported, trust grows. Stability increases. Retention improves.

The ThirdWave Advantage

Full-scale Infrastructure Tailored to Your Business, Delivered with Personalized Care.

Small and mid-sized businesses deserve access to strong infrastructure.

Through ThirdWave Benefits, you gain:

  • Compliance dashboards powered by Mineral
  • HR Hotline access
  • Benefits Administration Technology that reduces administrative burden
  • Structured onboarding support
  • Ongoing renewal strategy and plan evaluation

You receive systems that rival larger organizations, without losing relational support.

A confident professional standing in her office

Year-Round Partnership

What to Expect Throughout the Year

Benefits don't begin and end at enrollment.

You can expect:

  • Early renewal preparation
  • Clear communication timelines
  • Ongoing compliance updates
  • Responsive account support
  • Strategic plan reviews as your business grows
We communicate early and often so you always know what’s happening next.

See how it works

Start the Conversation

If you're ready to move from transactional insurance to strategic partnership, the first step is simple.

Let's review your current plan, identify opportunities, and design a strategy that reflects the way you lead.