Strategic Employee Benefits Consulting
Your Non-Medical Benefits Program Is Either
Working for You — or Against You.
Perspective Matters
We help organizations design and optimize non-medical employee benefits programs—including life, disability, voluntary, and executive benefits—leveraging more than 20 years of industry and real-world experience to reduce costs, improve outcomes, and strengthen program performance.
Non-Medical Employee Benefits Require Specialized Expertise
For many organizations, non-medical benefits are managed in the margin — bundled into broker relationships, renewed on autopilot, and reviewed only when something breaks.
Gennaíos operates as a dedicated non-medical employee benefits organization, bringing focused expertise and strategic insider perspective to a category that is often overlooked.
Structure that Reflects Strategy
Benefits should align with how your organization actually operates.
✓ workforce economics
✓ cost targets and risk tolerance
✓ talent priorities
Structures may include fully insured, self-funded, or hybrid models.
Carrier Dynamics
Carrier rates are only a starting point.
Real leverage comes from understanding:
✓ underwriting practices
✓ reserve structures
✓ negotiation dynamics
Perspective matters — it’s what separates Gennaíos from the insurance generalist.
Employee Realities
Benefits only work if employees understand and trust them.
Effective strategy accounts for:
✓ workforce financial realities
✓ communication clarity
✓ employee perception
Relevance drives participation, appreciation, retention, and your ROI.
Why It Matters Who You Work With
Two decades inside the industry — Now working exclusively for you.
Experience
From startups building benefits for the first time to large enterprises managing complex programs, Matt’s work spans nearly every sector of the economy.
✓ early-stage companies to large enterprises
✓ programs ranging from simple to highly complex
✓ exposure across multiple industries
That breadth makes it easier to see what works, what fails, and where opportunities hide.
Technical Depth
Our expertise includes the structures and funding mechanics that shape non-medical employee benefits programs.
✓ risk-finance structures and funding arrangements
✓ Taft-Hartley and executive benefit programs
✓ global mobility and leave implementations
This is not generalist territory.
Practical Edge
Having reviewed thousands of carrier contracts and worked with hundreds of consultants, we understand not just what best-in-class looks like — but why programs fall short.
✓ contract structures and negotiation dynamics
✓ implementation realities inside HR teams
✓ how employees actually perceive the program
That real-world insight helps prevent expensive surprises.
Get an Experienced Perspective
In a bind? Something not working right? Unexpected renewal?
Or just need another perspective.
✓ No Obligations
✓ Real Answers
✓ Get a New Starting Point
If I can help I will. If I can’t, I’ll tell you.
An Insider’s Perspective
Hi, I’m Matt Beine
Founder of gennaíos
My goal at gennaíos is simple: to bring clarity, care, and real insider expertise to a part of business that’s too often sidelined.
I’ve had over 20+ years of experience as an industry insider giving me a full 360-degree perspective of this market, and that perspective matters. We help clients identify hidden opportunities and apply practical levers in carrier negotiations.
Based on our experience, we may also highlight potential legal and tax considerations for discussion with your legal and tax counsel. We may even discover decisions you didn’t know you made. And crucially, we have the necessary ground-level experience of employee perceptions towards plan strategies and change.
My personal experience ranges from small startups to publicly traded monoliths. I’ve worked with 100s of consultants, reviewed 1000s of contracts, and supported clients across nearly every sector of the national economy.
Specifically, my expertise for non-medical employee benefits spans risk-finance, leave implementations, strategic redesigns, executive benefits, Taft-Hartley plans, complex funding arrangements, risk-pooling, reserve buy-outs, and global mobility products. I also understand how certain choices can lead to unintended workflow consequences in HR, plan instability, and employee perceptions.
What Colleagues Say
Matt has earned a reputation as a knowledgeable and diligent member of the non-medical employee benefits industry, with a focus on the disability/absence and life insurance markets for both national and regional employers. I have always enjoyed and appreciated working with Matt and recommend him for consideration as your employee benefits broker/consultant.
— John Ehrlich , Director (Retired 2023), Willis Towers Watson
I worked with Matt for several years while administering benefits for our school system. He brought benefit plan expertise to help us offer excellent insurance products and helpful strategies to reduce premium cost for both the district and employees and still maintain quality plans for our organization. He was very responsive to our concerns and made every effort to keep us informed of benefit plan trends and other information that may affect our benefit program.
— Rose Jones , Assistant Director (Retired 2025), Atlanta Public Schools
I worked with Matt for several years while leading benefits for an 8,000-employee organization. Matt consistently impressed me with his knowledge, responsiveness, and ability to distill complex concepts into clear, actionable insights. He brought creativity to problem-solving, offered practical solutions, and was always willing to go the extra mile to support our team. Any company looking to develop a thoughtful and effective benefits strategy would be well served by his guidance and support.
— Alix Cross , Senior Counsel Human Resources, Diversicare Healthcare Services
Talk Strategy with Matt
You have plenty of friends, so let’s begin with competence: a no-obligation discussion about your non-medical benefit concerns and priorities. I’ll be happy to take a quick look at your plans through the lens of an industry insider and talk about things to consider.
My commitment today is to leave you smarter, more confident, and more in control of this critical part of your business. I think that would be a good start to a relationship.
LET’S CONNECT
• Phone: 470-478-8673
• Email: connect@gennaiosLLC.com
• Website: gennaiosllc.com
• LinkedIn: linkedin.com/in/matt-beine