Janet Lamp

Fletcher Yoder P.C.

Our Law Firm, Fletcher Yoder, P.C., has been using Todd Bryant and SB&K Benefits, LLC for over 6 years. Todd has been able to bring our firm up to date with the current benefits offered in the market place. He has had great success in coming up with creative ways to keep cost down while still providing our firm with excellent coverage and tax savings. I would recommend Todd to any firm looking for a benefits consultant.

In my career, I've worked with insurance agents and benefit brokers throughout the United States for the last 15 years. In working with some 1200 brokers, I have an opportunity to assess the best of class. I have never met a more professional , knowledgeable, or passionate broker than Todd Bryant. He has the unique ability to of understanding and analyzing his clients benefit needs and the ability to articulate what must be accomplished to bring about the positive change necessary to virtually every insurance company he represents. This then allows people like me to concentrate our efforts on the main events and not be burdened with some meaningless issues. He is a creative, out of the box thinking, motivated by what is right and best for his client attitude , that is refreshing in the environment of healthcare reform we now find ourselves. Todd brings value added to every endeavor and we are proud to have worked with him in the past and hope for many years to come. 

At the time I started looking for a new agent/broker, our insurance rates were climbing every year, with zero customer service from our prior agent.  Our prior agent didn't go out for quotes or use any negotiation methods to try to lower our rates.  In fact the new rates would come from the carrier and that was the end of the story.  I asked Todd to evaluate our plan and come up with some options for us.  He developed a plan that not only saved our firm a considerable amount on premiums but showed us how to deduct our employees premiums tax free.  He designed a 125 plan free of charge to help our employees and lower our costs.  He also suggested that we go to composite rates from our age banded rates.  This change saved thousands of dollars and allowed us to know exactly what our rates would be for each added employee. In terms of preparation he is excellent.  He always meets with us several months out from our open enrollment dates to go over any changes and to start to work on getting quotes from other carriers.  This allows our management team time to go over all of our options before the enrollment date arrives. As quotes come in from all the carriers, Todd begins his negotiations. 

He has been able to lower our rates by several percentage points every year by using these strategies.

 Also, Todd has been our "go to guy" for so many questions regarding coverage, claims, HR questions, COBRA rules and changes etc.  Todd has been a life saver to me and my position here at the firm.  I would highly recommend him to anyone looking to lower cost and find a real partner in the employee benefit business.  In fact I have recomened him to several of my associates from other firms and they are now using him as well and are very pleased.


Gena Babineaux

Director of Total Rewards, YMCA of Greater Houston

“Todd has been wonderful to work with. He is very thorough and goes above and beyond the services you thought you needed. He is a forward thinker and aware of the trends in the health industry and how those trends could affect your business. Todd is an asset to any organization he assists.”


Marilyn Scheffe

Director of Outreach Clinics, Huntsville Memorial Hospital

“Todd is highly articulate and meticulous with details in his presentation. 

I found him to be totally service oriented in every way. He was prompt in returning phone calls and found resolution to each and every problem scenario that presented itself as we became familiar with our new plan.”