Spotlight of the Month on Difference Card Broker Partner, Caleb Howland

May 8, 2024

Congratulations to Caleb Howland, of USI, for being named the Difference Card Broker Partner of the Month for May 2024! Caleb Howland is a Senior Employee Benefits Advisor for USI in their Fort Lauderdale, Florida office.

Caleb recently worked with Senior Consultant Oldemar Da Silva from The Difference Card’s Southeast Team to help a food and beverage organization reduce their health insurance spend by -18%, worth over $380,000 in net annual savings.

This company operates restaurants in over 200 locations across the country. With 178 employees enrolled in their health plan, this organization was spending $1.6 million on their health insurance program. After receiving a 30% renewal this year, the company health insurance expenses would have exceeded $2 million annually. Caleb came to the table with a creative solution through the Difference Card to help the group get their renewal back down to the single digits.

Caleb worked closely with Oldemar from the Difference Card to find a plan design solution that would not only reduce their costs, but also improve the benefit structure for their staff. Caleb was able to negotiate a -33% decrement with the carrier to reduce their fixed costs by $700,000. In addition to the cost savings, Caleb was able to improve the benefits for this employer using The Difference Card strategy.

Caleb Howland has been in the employee benefits and human resources industry for seven years. After starting his career in the golf industry, Caleb moved to the human resources business working with companies to find top talent across South Florida. Caleb transitioned to the employee benefits and insurance space at USI. USI Insurance Services focuses on solutions that enhance the benefits programs of employers while managing their bottom-line costs. USI’s employee benefits professionals provide the knowledge and resources to optimize their clients’ critical benefit decisions for maximum impact.

For more information about USI, connect with Caleb on LinkedIn.

Connect with Caleb

The Difference Card is a multi-year strategy that helps employers in all industries to save an average of 18% off their health insurance costs, while often improving benefits for employees.

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