Colorado employee benefits broker
Colorado Employee Benefits Broker for Growing Teams
Colorado changed its definition of a small employer for 2026. If you have between 51 and 100 employees, Ignition helps you understand your options and find the right path for your team.
Colorado moved the small-group line to 50 employees.
.svg)
.svg)
.svg)
Why choose a Colorado-based employee benefits broker
What Ignition does differently in Colorado
.webp)
.webp)
.webp)
Get your free Colorado employee benefits assessment today.
Simple Benefits Broker Review Process
How to choose an employee benefits broker in Colorado
“
I got robbed. I was too busy to notice.
How AWM saved $156,914 in 30 minutes.
Customer stories
AWM used Ignition to negotiate their 2026 insurance renewal, lowering costs by 22% compared to their initial increase.
Light Labs turned a 21% increase into an 8% decrease, $113,115 in savings, and better coverage across the board.
Ignition consolidated everything into Gusto, set it up before open enrollment, and now runs the day-to-day benefits admin so Mango's team doesn't have to.
Related Resources
In a fully funded plan, you pay a fixed premium to a carrier. In a self funded plan, you pay claims directly, which means more risk but often lower long-term costs.
PEO vs broker: which is better for your business in 2026? Compare pricing, benefits, service, and when growing teams unbundle from a PEO.
5 Top Benefits Brokers of 2026: Compare the Best Firms
Comparing the top benefits brokers in 2026? See how 5 leading options stack up, and why the biggest broker isn’t always the best one for your team.
Frequently asked questions
Yes. Ignition Benefits does business as Ignition Insurance Solutions, NPN #22134889, licensed in Colorado.
Yes. You sign a Broker of Record letter, while your carrier, network, and payroll stay the same. There's no obligation.
Yes. For 2026, Colorado changed the small-group definition from 1–100 employees to 1–50 under SB24-073. Employers with 51–100 employees who had a small-group plan before 2026 may be able to keep that plan for a limited period or move into the large-group market.
No. Every small-group carrier in Colorado has to offer a Colorado Option plan. The benefits and cost-sharing are standardized, but you can compare it with the carrier's other plans and choose what works best for your team.
Carriers requested an average 13.6% increase for 2026 small-group plans. Individual carrier requests varied widely.
On average about 20% in the first year, based on Ignition client data. In Colorado, most of that comes from two things: pricing the Colorado Option against the carrier's other plans, and knowing whether you should renew as a small group or a large group.
Nothing upfront. The assessment is free and there's no commitment.
Ideally four to six months out. If you have between 51 and 100 employees, sooner is better.
.png)
