Employee Benefits
Your employee benefits should reflect who you really are as an employer.
We don't shop rates at renewal and disappear. We function as an extension of your HR team. Year-round, strategic, and built around the kind of culture people don't want to leave.
Or book a Culture Tour and see the company we built.
SHRM
Our Culture Tours are SHRM-accredited and offer CE credits to attending HR professionals.
Inc. Best Workplaces · 2026.
Washington Business Journal, D.C. area’s largest employee benefits brokers · 2026.
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Payroll platforms market simplicity, and they deliver it, up to a point. But when an employee's child needs surgery, when your renewal comes back with a 22% increase, when a compliance question lands on your desk on a Friday at 4 PM, simplicity isn't what you need.
You need an advocate who knows your company. We have experience administering benefits inside Gusto, ADP's Workforce Now, Rippling, and most others. You don't have to leave your platform to upgrade the people behind your benefits.
Gusto-administered
Rippling-administered
ADP-Administered
The Problem
Your people deserve benefits they understand, use, and value.
Most brokers treat renewal season as a once-a-year event. They show up in Q4, present a spreadsheet of options, and disappear for eleven months. Compliance questions go unanswered. Communication to employees falls on your team. Utilization stays low because nobody knows what they actually have.
Meanwhile, the companies your people could leave for are designing benefits as a strategic tool for retention, recruitment, and culture. Your benefits program is being compared to theirs whether you know it or not.
We think a broker should make that comparison easier to win.
How we work
What a year-round benefits partner actually looks like.
Strategy
Strategy, not spreadsheets.
We start with what kind of company you want to be, then build a benefits program that signals it. The spreadsheet of options comes later, and it's a much more focused one. Most programs start with group health insurance, then widen from there.
Communication
Communication that actually lands.
Open enrollment communication that your employees will pay attention to. Plain-language guides, AI agents, online portals, videos, and more for the moments that matter. We treat benefits communication as a deliverable, not an afterthought.
Compliance
Compliance without the panic.
ACA, ERISA, COBRA, ACA reporting, 5500s. We won't pretend to be your employment lawyer, but we'll make sure you know what you actually need to do and when.
Premium wellness
Retain your best people.
A higher tier of wellness designed to retain top performers at every level, including your executives. We help you build benefit packages that go beyond the standard plan.
Growth
Scale without switching brokers.
From 25 to 1,000+ employees, our Gallagher partnership means you never outgrow us. The expertise scales. Your team stays.
HR support
An extension of your HR team.
We go beyond benefits. We provide access to Mineral and support your HR team day-to-day, making their jobs easier and your people program stronger.
What’s included
What comes with the relationship.
Capitol Benefits works with employers of 25 to 1,000+ employees across Maryland, Washington DC, and Northern Virginia. We model whether a level-funded or self-funded plan makes sense before renewal, benchmark your plan against similar employers in the region, and run benefits administration inside the HRIS or payroll platform you already use. When a carrier or TPA change is the right move, we manage the implementation. And if you are considering an ICHRA, we will tell you plainly whether it fits.
Benefits administration
One enrollment system. One invoice.
Clients get online benefits administration at no additional cost. One enrollment system pushes data to every carrier on the plan, and multiple carriers bill on a single invoice. Employees get around-the-clock access to their elections and payroll deduction amounts, and a monitored support desk handles urgent issues for both of you.
Compliance tools
Documents and notices, generated.
Beyond the advice, clients of every size get a compliance and HR platform. Wrap document preparation, a COBRA notice generator, an employee handbook builder, state law information, recruitment and hiring tools, discipline and termination tools, and a total compensation statement builder.
Employee training
Training your team can actually use.
An online course library is included. HR training, sexual harassment, cybersecurity, workplace safety, active shooter response, management training, stress management and communication skills.
Plan data
Decisions backed by your own claims.
For groups of roughly 50 employees and up, we obtain claims and utilization reporting from the carriers and walk through the analysis with you. Renewal decisions rest on what your plan actually did, not on the renewal letter alone.
Funding options
More than one way to fund a plan.
Most groups start fully insured. When the numbers support a different structure, we place and advise on level funded, self funded, captive and ICHRA arrangements.
Where we bring in a partner
We will tell you when it is not us.
Key person coverage runs through our commercial division. For 401(k), executive bonus and deferred compensation we bring in referral partners rather than advising on those ourselves. You get a straight answer about who should be in the room.
What our clients say
"
Bruce and his team have been integral in providing all of my company's insurance needs from health and dental, business liability, workman's comp, as well as life and disability! I can't say enough about how great he and his team have been!
Matt
Employee Benefits Client
Before You Decide
See how an award-winning culture builds an award-winning benefits program.
The clearest way to understand how we work is to see the company we built. Our Culture Tours bring HR leaders into our Gaithersburg office for a structured walkthrough of the practices that earned us recognition as a Best Place to Work, and the SHRM CE credits that come with attending.
Walk the office. See the practices that earned the awards.
Hear the story behind our internal benefits program.
Connect what we do for our own team to what we'd do for yours.
Earn SHRM CE credits for attending — accredited program.
Meet other HR leaders facing the same decisions you are.
FAQ
Questions we hear from HR leaders.
Don't see your question? Schedule a benefits conversation and we'll answer it directly. No pressure, no presentation deck.
Get in touch
Let's see what your benefits could be.
A short conversation. No deck. Just a real look at what's working, what's not, and what we'd do differently.