Last week we met with a client who had this problem:  "Company A has 10 owners and owns 85% of company B with 15% share owned by 1 person/entity.  Company B owns 85% of company C with 15% share owned by one person/entity.  How do we structure our employee benefits program to satisfy all people and requirements by law?"  (see diagram)

While this problem seems complicated, there is really an easy solution.  No broker or agent can solve this problem.  They needed someone who was not tied to one company or selling only one product to help bring a customized solution to the table.