Hightstown, NJ

    About Us

    At CBSI we are uniquely equipped to help you unlock the engaged employee, because we’ve helped companies just like yours solve this problem without creating more cost.  Unlike other insurance brokers, CBSI engages in a multi-step process throughout the year to listen, learn and clarify your employee concerns, creating solutions that align your company’s benefits with their wants and needs.  But our approach goes beyond benefit solutions.  Through experience, we have come to understand that educating your employees on their benefits is often more important than the actual benefits themselves. Better solutions together with communication unlocks the engaged employee.

    For some this seems counter-intuitive, but it is a conversation you should not avoid. 96% of employees who are satisfied with their benefits are satisfied with their jobs, making tailored benefits and increased communication the best methods to shore up your bottom line.   Attacking and solving the ‘unhappy employee syndrome’ that many companies experience will give you an advantage over competitors while slashing your investments in recruiting, hiring and training.

    Great leaders see opportunity where others don’t. Real progress and real change for your company can only come with your vision. From your vantage point you are constantly looking for the next advantage, always understanding that there is always more to learn.

    Let us show you how to make your business better, in unexpected ways.

    Meet Our Team

    Xiomara Wilhalme

    Account Manager
    Xiomara Wilhalme

    Favorite Food: I am very adventurous when it comes to food. I love trying new things!

    Favorite Movie: Gone with the Wind

    Favorite Vacation: Anywhere that is warm and with beautiful beaches. Would love to one day travel to Tahiti

    Why CBSI: We are like a family at CBSI – always looking out for each other and our clients. My fellow employment benefit specialists and I get to help businesses and employees navigate through challenges brought on by the complexities of the insurance industry, and equip them to face their problems head on. With so many changes occurring on a continuous basis, it’s very fulfilling to show our clients that we are there for them every step of the way.

    EXPERT EDUCATION

    Events and Webinars

    Employee Benefits

    Dynamic Data: Strategies for Success

    Join us for this session, as our experts will share how to utilize your organization’s data to create advanced and innovative strategies for success.

    July 17, 2025 at 01:00 pm CT | Virtual

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    Webinar Graphic

    Employee Benefits

    Preparing for Open Enrollment: How to Engage and Educate Your Employees on Their Total Benefits Package

    In this session, our experts will share guidance on setting yourself up for success during Open Enrollment.

    August 21, 2025 at 01:00 pm CT | Virtual

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    Webinar Graphic

    Employee Benefits

    Q3 2025 Quarterly Compliance Webinar

    Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.

    September 9, 2025 at 01:00 pm CT | Virtual

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    IMage reading Alera Group Webinar

    THOUGHT LEADERSHIP

    Insights

    Employee Benefits

    Legal Alert: Employee Benefits Provisions in the One Big Beautiful Bill Act

    On July 3, 2025, Congress passed a reconciliation bill (the “Reconciliation Act”) previously named the One Big Beautiful Bill Act, but subsequently redesignated “An Act to provide for reconciliation pursuant to title II of H. Con. Res. 14.”

    July 8, 2025

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    Employee Benefits

    Benchmarking: How Do Your Organization’s Employee Benefits Offerings Stack Up?

    For the sixth consecutive year, Alera Group is offering a valuable piece of market intelligence: our Healthcare and Employee Benefits Benchmarking Report. We’ll introduce the 2025 edition on its release date, June 26, with a one-hour webinar beginning at 1 p.m. CT.

    June 5, 2025

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    Employee Benefits

    ​​​​​Reminder: PCORI Fees Due By July 31, 2025

    Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind the upcoming July 31, 2025 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI) via Form 720, which was recently updated and released by the IRS.

    June 3, 2025

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    Employee Benefits

    Benefits Captives: Your Business and What Your Competitors Are Doing

    In one form or another, Captive Insurance has existed as a risk management solution for many decades — originally for property and casualty coverage and primarily for large employers. But its viability as a solution for employee benefits and for midsized businesses has increased dramatically in recent years, fueled by volatility in the insurance market in general and by the skyrocketing cost of health insurance in particular.

    May 29, 2025

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