BRIAN KLEM // SHIFT BENEFITS

Most benefits brokers protect the system. Brian Klem built his career tearing it apart.

He didn't come up through insurance. He came through the healthcare trenches — Pfizer, Dexcom, Virgin, ZoomCare — handed the kind of problem consultants run from: fix the health benefits, don't blow the budget, and don't piss off the crew.

So he didn't hire a broker. He became the interim benefits manager and saw the rot firsthand.

15% annual renewals. Sky-high deductibles. Hidden PBM rebates. "Percent off AWP" math that didn't pen out. Fees for access to nothing. When he asked his broker how to cut 20% without cutting care, he got the industry's favorite answer:

"That's impossible."

He fired the broker. Built something better. Hit the number.

That was 2012. He's been doing it ever since.

Built for the Trades. Not the Boardroom.

Construction and field based crews don't get the luxury of vague. Neither does Brian.

Shift works exclusively with small and mid-size employers in construction and the trades — people who work hard, take real risks, and deserve benefits that actually hold up when life gets hard.

No fluff. No middlemen skimming margins. No "that's just how it works."

Here's how it actually works:

Put money back in your people's pockets. Ditch the group plan. Switch to ICHRA — set a number based on a benchmark plan, hand your team a tax-free allowance, and let them pick what's right for their family. You control the cost. They control the coverage.

Turn premiums into savings. Health Savings Accounts move money out of the insurance machine and into your workers' hands. That's their money, building over time.

Care that moves as fast as they do. Skip the clinic. Get instant virtual care — no waiting rooms, no half-days lost. Real help, right now.

Ditch the wellness fair. Give them something they'll actually use. Forget meditation apps and fruit bowls. We're talking onsite massages, hydration stations, new boots, and gear that keeps people performing — and shows them you give a damn.

We don't manage benefits. We Shift them.

If your broker's best answer is "that's just the market" — that's your sign.

Let's talk.