Better Benefits
for Canadian Businesses
Tailored Group Benefits For You
Our advisor will get back to you within 1 business day.
Trusted by 60,000+
Canadian Businesses and Employees
Traditional Insurance Products
Benefits Price + Expertise + Implementation
Benefits Technology
Benefits Support
Benefits quoting takes 2-3 weeks
Employers choose benefits options for employees
Limited choice of products and higher cost
Takes weeks to onboard and setup benefits
Quotes provided in 2-3 days
Employer provides flexible options for employees
More products from more carriers at better prices
Takes as little as 5 days to onboard
Result: Faster implementation and better prices
Standalone product with no integration
Costly human errors during sign up
Paper-based enrolment of employees
Need to re-enrol in benefits whenever your carrier is changed
Connects to your HRIS and Payroll systems
Automation with your HRIS, Payroll, and insurance
Digital enrolment with TPA support
When your plan needs changes; Sterling handles all the paperwork using your existing data.
Result: Sterling reduces admin costs by 15%
One-size-fits-all support for clients
HR administers benefits and claims
No ongoing consulting and support
Won’t provide benefits to small companies
Support SLAs with 90% of issues solved in 24 hours
Sterling manages claims on your behalf
Free benefits consulting and dedicated support
Provides benefits to any business with more than one employee
Result: Sterling saves your team 80% of their time
Find out how much you can
save on employee benefits.
There is no obligation to get a free quote.
Sterling vs Traditional Brokers
Sterling works with the largest Canadian benefits providers
"Coconut has been really enjoying utilizing Sterling. Your team has been such rockstars to make sure that Coconut is a well oiled machine when it comes to benefits. Working with our Account Manager has been wonderful as well, and we really appreciate all the hard work that your team has done by making sure we were receiving the best benefits and for the best prices."
Tessa Ross, People & Culture Generalist, Coconut Software
Get your free, tailored benefits quote
Special offers for Ontario and Quebec businesses. No credit card required.
Sterling vs Traditional Brokers
Benefits Price + Expertise + Implementation
Benefits quoting takes 2-3 weeks
Employers choose benefits options for employees
Limited choice of products and higher cost
Takes weeks to onboard and setup benefits
Traditional insurance products
Quotes provided in 2-3 days
Employer provides flexible options for employees
More products from more carriers at better prices
Takes as little as 5 days to onboard
Result: Faster implementation and better prices
Benefits Technology
Traditional insurance products
Standalone product with no integration
Costly human errors during sign up
Paper-based enrolment of employees
Need to re-enrol in benefits whenever your carrier is changed
Connects to your HRIS and Payroll systems
Automation with your HRIS, Payroll, and insurance
Digital enrolment with TPA support
When your plan needs changes; Sterling handles all the paperwork using your existing data.
Result: Sterling reduces admin costs by 15%
Benefits Support
Traditional insurance products
One-size-fits-all support for clients
HR administers benefits and claims
No ongoing consulting and support
Won’t provide benefits to small companies
Support SLAs with 90% of issues solved in 24 hours
Sterling manages claims on your behalf
Free benefits consulting and dedicated support
Provides benefits to any business with more than one employee
Result: Sterling saves your team 80% of their time
Get more from your benefits broker,
without paying more.
Let Sterling do the heavy lifting of administering your employee benefits without paying for it. Unlike traditional benefits brokers, Sterling's size and scale means we can provide our clients with innovative solutions without making them pay extra for it.
Dedicated Client Care
All Sterling clients have access to dedicated executive account managers who are licensed to provide advice.
Free Tech Platform
All Sterling clients get access to our free tech platform to help their team simplify enrolment and employee changes.
Claims Support
Sterling's claims team supports clients and employees with claims issues.
Streamlined Benefits Admin
Reduce manual effort and save time with automated processes including data entries, deductions and billing.
Integration with HRIS System
Sterling's tech platform integrates with your HRIS & Payroll systems to reduce administration and improve accuracy.
Transform Your Employee Benefits Today!
There is no obligation to get a free quote.
Employee Benefits Simplified
Reduce your administrative footprint with Sterling’s dedicated benefits support team so you can focus on what matters – your team and your business.
Better Technology
Our platform, SCB Connect, integrates with your HRIS/payroll systems for a superior benefits management experience.
Better Product
Our team has over a thousand years of combined experience and work with all the benefit providers in Canada to design the best plan for your company.
Better Pricing
As a third-party administrator, Sterling leverages its scale to negotiate better rates and provide optimized product structures based on your needs.
Client Success Stories
IT Company
2,000+ consolidated policies
This Company came to Sterling with 5 different benefit policies and 4 different group retirement policies across the country.
Sterling streamlined the plans and realized savings.
Lowered premiums by 30% on average
Provided customizable solution to plan members at no extra costs
Generated payroll deduction reports retroactively to avoid employee surprises on their payroll
This Company had switched to a new HRIS solution that the old insurance broker could not integrate. The company had many non-specialized hourly employees who also received benefits.
Retail Company
31.42% reduction in health costs
Integrated benefits management tool that allowed to process 10,000 fewer transactions
Handled 4,390 benefit queries from plan members, saving time and money for the HR team
Reduced health and dental coverage costs by 31.24% and 57.99% respectively
No matter your business or complexity, Sterling can work with you to provide the guidance and expertise to navigate the way and help you reach your benefits goals.
Company of 500 employees was looking for a plan to optimize savings and use refund accounting. Payroll provider could not upgrade the client to their new software and could not file deductions appropriately.
Software Company
Realized plan savings of $1.5 million within 48 months
Sterling Integrated with the payroll provider and created a streamlined enrolment process, enabling the client to upgrade their payroll software
Realized savings of $1.5 million and released over $400k in reserves from the refund account
Consolidated and reduced invoices by 70%
*Results may vary based on each company’s unique circumstances. The outcomes shown in these case studies are not guaranteed for every client.
Switching benefits brokers has
never been this easy
Fast quoting
Our dedicated team will guide you through determining the best plan to fit your needs and get you a quote within 2-3 business days. We can also provide a theoretical quote on your benefits to provide a "second opinion" and not alert your existing broker.
Tailored and flexible
Working closely with our clients, we are able to tailor benefits according to their needs, providing a range of options, national carriers that align specifically with their needs and preferences as the company grows and evolves.
Smooth transition
Our dedicated team will assist you through the plan transition process, providing free implementation, tech integration, and employee training, working closely with your HR team at no added cost to your team.
Employee satisfaction
Sterling provides your employees with detailed information about their benefits plans and how those will be reflected in their payroll. Plans outline features, advantages, changes, as well as onboarding webinars and 24/7 access to our support team.
As Canada’s largest independent brokerage Sterling works with most of the major carriers in Canada to provide tailored benefits to meet our clients needs. Some of these carriers include CanadaLife, Manulife, Sun Life, Wawanesa, Blue Cross, and Green Shield.
Sterling offers a wide variety of employee benefits products designed to fit the needs of Canadian small businesses, which includes everything from standard vision, dental, and disability coverage to more bespoke products such as travel insurance and wellness spending accounts.
Aside from benefits, Sterling also offers competitive group retirement services, as well as individual and mortgage insurance. Lastly, Sterling works with best-in-class providers across Canada to offer a suite of value-add ancillary services such as Telemedicine from Dialogue, digital pharmacy from MedNow, or health spending accounts from Aya.
An independent employee benefits broker acts as a middleman between businesses and insurance carriers when it comes to employee benefits. They are independent because they are not tied to any specific insurance company. Their role is to help businesses find the right employee benefits packages that suit their needs and budget.
Independent brokers work closely with businesses to understand their requirements and then shop around the market to find suitable insurance options from various insurance providers. They compare different plans, coverage options, and costs to help businesses make informed decisions about their employee benefits.
The advantage of working with an independent employee benefits broker is that they offer unbiased advice and have access to a wide range of insurance products from different companies. This allows them to offer customised solutions tailored to the specific needs of each business.
Employee benefits are additional perks or rewards provided by employers to their employees in addition to their regular salary or wages. These benefits are designed to enhance the overall compensation package and improve the well-being and job satisfaction of employees. Employee benefits can vary depending on the employer and industry. They play a vital role in attracting and retaining talented employees while promoting a positive work environment.
In Canada employers must also provide some mandatory benefits outlined and in the Canadian Federal Labor Standards. Those include vacation time, leaves, CPP, and EI contributions.
Employee benefits are beneficial for both employees and employers. Employees regardless of their level or position within a company, can benefit from employee benefits. Benefits provide a sense of financial security, access to healthcare, and opportunities for personal and professional development. They contribute to employees' overall well-being, job satisfaction, and work-life balance.
For employers, benefits can help attract and retain top talent in a competitive job market. They enhance employee morale and motivation, leading to increased productivity and loyalty. Additionally, employee benefits can contribute to a positive company culture and serve as a tool for employer branding.
Employee benefits can cover a wide range of areas depending on the specific benefit plans offered by the employer. Here are some common areas that employee benefits may cover include health insurance (dental and vision), retirement plans (RRSPs), Life and Disability Insurance (both short and long term), Wellness programs, and self-directed funds such as Health Spending Accounts which allow an employee to spend on services as needed.
The cost of employee benefits can vary widely depending on several factors, including the size of the company, the industry, the specific benefits offered, the experience of the company, and the region. All of these factors together create the ultimate “cost” of benefits that is carried by a business. However, a general rule of thumb is that benefits typically account for 32% or roughly 1/3 of payroll costs in Canada and the United States. So, depending on the size of your existing business and workforce you can determine rough pricing from that metric.
If you are interested in learning more about how the team at Sterling can help you create a tailored benefits plan that meets the needs of your business, you have a number of options. First is to visit SterlingCapitalBrokers.com and request a meeting with our team. Alternatively you can email info@sterlingcapitalbrokers.com to be connected to a member of our team, or call us directly at: +18882135557
Frequently asked questions
No.1
Employee Benefits Broker
96%
Client Retention
$900M
Book of Businesses
Why Choose Sterling Brokers?
As the No.1 Benefits Broker in Canada, Sterling Brokers offers:
Group benefit plans for small to medium sized businesses in Ontario and Quebec
Flexible benefits for mental health, wellness programs, Health Spending Accounts(HSAs), Group Retirement Plans, etc.
Free technology platform for managing employee information
What We Are Offering
- Dental
- Vision
- Prescription Drugs
- Life insurance
- Paramedical
- Short/Long Term Disability
- Health Spending Accounts (HSAs)
Group Health Benefits
Group Wellness
- Mental Health Programs
- Physical Health & Fitness
- Virtual Care
- Employee Assistance Program(EAP)
- Therapy
- Work Perks
Group Financial Support
- Group Retirement Solution (RRSPs)
- Employee Pension
- Financial Planning
- Emergency Savings Programs
- Student Loans
We provide customized benefit plans at competitive rates. No matter the size of your company, we’ll help you find the best solutions, including but not limited to:
Get your free, tailored benefits quote
Special offers for Ontario and Quebec businesses. No credit card required.
Who Can We Serve?
Self Employed
SMEs
Enterprises
Thanks to our scale and strong carrier relationships, we’re able to offer tailored, high-value solutions for self-employed professionals.
Our custom group benefit solutions work perfectly for small to medium sized businesses.
Our proprietary tech platform streamlines benefits administration and integrates with any HRIS.
