Independent Employee Benefits Advisors · Fayetteville, AR
Empower your budget. Safeguard your team.
No carrier owns us, and no carrier pays us bonuses. We shop the market for your team, then we stay with you through every renewal. Every broker sells the plan. We take care of the people on it — with The Razor's Edge.
What we do
We shop the full market of top-rated carriers to design benefits packages that fit your team and budget. From group health and QSEHRAs to individual coverage and retirement planning, we handle the quoting, paperwork, and ongoing support — so you get a real advisor in your corner, not just another portal.
Learn how group health insurance works for small businessesWho we serve
Employers & Business Owners
Fully insured, level-funded, and self-funded solutions for small to mid-sized teams.
Explore Employer Benefits
Contractors, Freelancers & Self-Employed
Health, dental, disability, and retirement options designed for 1099 professionals.
See 1099 Benefits OptionsMission-driven organizations
Churches & Nonprofits
Flexible health and supplemental benefit strategies designed around nonprofit budgets, church teams, ministry staff, and the people who serve their communities.
Explore Ministry Benefits
Families
Protect the people who matter most with health, dental, vision, life, and supplemental coverage tailored to your family’s needs and budget. We compare options and explain the details clearly, so you can choose with confidence.
Explore Family BenefitsSmarter, more affordable benefits for businesses and families
Businesses can build predictable benefits around their budget, while families can compare coverage designed around their health needs, priorities, and finances. In every case, we make the options easier to understand and the next step easier to take.
Whether you are protecting a team or the people at home, you receive independent guidance, access to multiple carriers, and personal support from selection through enrollment.
Carriers we shop
Quotes from the carriers and networks your team trusts
Razor Benefits Group is independent and not affiliated with, endorsed by, or sponsored by any single carrier. We compare quotes across the major medical and ancillary carriers your team already knows.
Why Razor Benefits Group is different
Benefits that fit your team —not your broker's preferred carrier.
While most group insurance providers lock you into one carrier's options, Razor Benefits Group shops the full market across multiple carriers to build a benefits package that actually fits your team and your budget.
We're an independent advisory firm — which means we're not tied to any single insurance company. And when you have questions, you get a real advisor — not a portal and an 800 number.
Full-market shopping
We compare quotes from every major carrier so your plan reflects the market, not a single vendor relationship.
Truly independent
No carrier owns us, no carrier pays us bonuses. Our only loyalty is to the team we’re building benefits for.
A real human advisor
You get a named advisor you can call directly — not a chatbot, ticket queue, or generic 800 number.
Your named advisor
Who will actually answer when you call?
Mike Ferguson founded Razor Benefits Group after years in healthcare leadership, including roles at Humana. He's a former Arkansas Army National Guard medic and a past school board president. When you work with us, Mike is your advisor. Not a ticket queue, not an 800 number.
Why businesses choose us
We simplify group health insurance so you can focus on what matters most.
Save up to 30%
Compare quotes from top carriers and find the most competitive rates for your team.
Potential savings compared with typical group plans; actual results vary by group size, location, and plan design.
Compliance guidance
We help you navigate ERISA and ACA requirements.
Dedicated Advisor
Your personal advisor helps with enrollment, renewals, and ongoing questions.
From the blog
Latest insights
ACA Compliance
ACA compliance for employers: the essentials
A plain-English overview of employer-size rules, affordability, minimum value, reporting, waiting periods, and practical compliance steps.
8 min read
Read articleQSEHRA
QSEHRA guide for small employers
Learn who can offer a QSEHRA, how reimbursements work, what employees must document, and how the benefit interacts with Marketplace coverage.
7 min read
Read articleGroup Health Plans
Group health plans for small businesses: a practical guide
Understand eligibility, employer contributions, plan types, and the questions to ask before choosing group health coverage for your team.
7 min read
Read articleFree guide: Small Business Health Benefits
Cost control, QSEHRA and ICHRA basics, Association Health Plans, ACA compliance, and options for 1099 contractors — in one short PDF.
Common questions
How does Razor Benefits Group get paid?
Carriers pay us a commission that's already built into the premium, so there's no added fee to you for our advice or for a quote. Your price is the same whether you go through us or straight to the carrier.
Which carriers do you work with?
We're independent and multi-carrier. We compare plans across the carriers available in your state and recommend the one that fits your team, not the one that pays us best.
Can you help a business with fewer than 10 employees?
Yes. Most of our clients have 2 to 50 employees. Small teams often have more options than they think, including ICHRA and QSEHRA.
What's the difference between a group plan, an ICHRA, and a QSEHRA?
A group plan is one policy for the whole team. An ICHRA or QSEHRA lets you set a monthly budget and reimburse employees, tax-free, for individual coverage they choose. We'll walk you through which fits.