We work with employers across Washington, Oregon, and Idaho to design, place, and manage benefits programs that fit, then stay close after they're in place.
Plan design and renewal strategy that balance quality coverage with cost.
We help employers navigate group medical insurance by finding plans that balance quality coverage and cost.
Our process starts with understanding your employees, your budget, and your renewal timeline. We then model carrier and plan options against each, so the decision is informed, not rushed.
Affordable, comprehensive options tailored to your group.
Dental plans that help your employees maintain healthy smiles with affordable, comprehensive options tailored to your group's needs.
We pair dental with medical for unified billing and admin, or run it standalone when that fits your stack.
Eye exams, glasses, and contacts your employees will actually use.
Vision plans give your team access to eye exams, glasses, and contacts, supporting their overall well-being.
Pair with medical and dental for a clean three-line benefits package employees can navigate without a binder.
Short and long-term income protection.
Short and long-term disability plans that protect employees' incomes during unexpected illnesses or injuries.
We design coverage tiers that match your industry, age mix, and tenure profile.
Accident, critical illness, life. Employees pick what fits.
Let employees customize their coverage with options like accident, critical illness, and life insurance.
Voluntary benefits are an underrated retention lever. We help you offer the right menu without inflating your contribution.
One advisor, one phone number, for everything below.
A real person to call when handbook questions, hiring decisions, or compliance curveballs come up.
General liability, workers compensation, and business property placed through our P&C partners.
Retirement plans designed alongside your benefits stack and reviewed every year.
Coverage for owners, contractors, and one-person teams who do not fit a group.
Plain-English guidance on Medicare options as employees and owners turn 65.
Vetted payroll partners and clean integrations with the benefits we place.
Continuation of coverage handled compliantly, not skipped or punted to the employee.
ACA filings, 5500s, and renewal documentation tracked and submitted on time.
Pet, legal, identity protection, and the extras that round out a competitive package.
Oak and Mercer Benefits is an independent insurance brokerage based in Washington State, serving employers throughout the Pacific Northwest. We specialize in group benefits with a focus on medical, dental, vision, life, disability, and voluntary coverage. Our mission is simple: bring clarity, honesty, and responsiveness to every client relationship.
Founded on the belief that employers deserve more than cookie-cutter plans and hard-to-reach brokers, we've built our firm to stay small, nimble, and highly personal. That means no call centers, no bureaucracy, just direct access to experienced advisors who genuinely care about your business and your people.
We work with startups, growing companies, and established businesses to create benefit programs that support recruitment, retention, and real employee needs. Whether you're implementing a plan for the first time or managing a complex renewal, we help you navigate every step, from plan design and compliance to ongoing employee support and open enrollment.
At Oak and Mercer, we take pride in doing things the right way. We don't push products. We listen, educate, and provide honest guidance tailored to your goals. Our clients trust us to be an extension of their team, offering clear communication, fast turnaround, and creative solutions when things get complicated.
This work is personal to us. We've seen firsthand how good benefits can protect families, strengthen companies, and make a real difference in people's lives. That's why we're here, and why we do what we do.
Tell us about your group, your current carrier, and when you renew. We'll take it from there.