Services

Brystra is a benefits consultancy built for white-collar employers who have outgrown a transactional broker. We combine actuarial modeling, in-house ERISA counsel, and the deepest law firm benchmarking data in Southern California to design and manage benefits programs from mid-market through large-group plans of 500, 1,000, and more lives. Technology makes our work faster — but strategy is what we sell.

1. Funding Strategy & Plan Design

We architect the funding strategy most brokers can’t. Self-insured, captive, level-funded, and fully insured arrangements, modeled against your claims experience and risk tolerance, with stop-loss structuring and clear paths to transition between strategies as you grow.

2. Actuarial Modeling & Risk Analytics

Every recommendation is backed by data, not a carrier’s renewal quote. We model claims trends, project costs, and analyze risk in-house — the underwriting-grade analysis large groups need to negotiate from a position of leverage.

3. ERISA & ACA Compliance

Compliance is handled by dedicated ERISA counsel, . ERISA, ACA (including ALE analysis and 1095-C reporting), RxDC/CAA filings, COBRA, Section 125, and commuter benefit ordinances — the deep-tier regulatory work that scales with headcount.

4. Executive & Partner Benefits

For law firms and professional partnerships, we design benefits that reach the top of the org chart. Partner and executive benefits, non-qualified deferred compensation, layered partnership disability, and wealth-preservation strategies — the deep-tier executive work national brokers route elsewhere.

5. Law Firm Benchmarking

Now in its fifth year, our Southern California Law Firm Benefits Benchmarking Report analyzes 100+ firms annually — partner, associate, and staff plan design, funding, and cost — giving firms legal-industry data national brokers can’t replicate.

6. Core Coverage & Voluntary Benefits

Health, life, dental, disability (short- and long-term), supplemental, workers’ comp, and voluntary Section 125 plans, plus 401(k), 403(b), and annuity-based advanced compensation planning — administered with POP and advanced FSA support.

7. Benefits Technology & Administration (reframed, demoted, intentionally last)

We streamline enrollment, administration, and reporting through integrated benefits technology — so your HR team spends less time on paperwork and more on people. Technology is the efficiency layer beneath our consulting, not a substitute for it.