It is projected that by 2007, over 75% of the United States work force will belong to a managed care system. And the small businesses make up about 45% of that workforce. The small business marketplace has begun to look into managed care systems to help control their increases in cost as health cost continues to rise sharply. Unfortunately the growing challenge for organizations is finding a balance of adequate coverage that fits the needs of the employees while controlling the expenses of their healthcare dollars. Small Business Benefits Group, Inc. (SBBG) is a service oriented organization offering health insurance specializing in Managed Care Products, Life Insurance, Employee Retirement Accounts, Workers Compensation Programs, Accidental Death and Dismemberment, Short and Long Term Disability, Long Term Care, as well as Dental and Vision Plans. SBBG enables its clients to receive cost effective insurance rates and to access products that compliment the efforts of in-house Human Resources/Employee Benefits functions for business owners and members. SBBG's management staff has more than 20 years of experience in the fields of Employee Benefits and specifically Managed Care Products as a financing mechanism within the Health Care Industry. Together with a service-oriented staff, SBBG meets the insurance and business needs of their customers with two major benefits: Cost effective health insurance rates which are secured through SBBG's established relationships with health care providers. Access to the Preferred Carrier Network which allows for negotiated arrangements that provide a superior fit between organizational needs and employee benefit products and services. Through the expertise of our professional staff and through arrangements with qualified health care organizations, Small Business Benefits Group will offer businesses and corporations the purchasing power to establish and maintain competitive employee benefit arrangements that lend value not only to the employee but also to the organization as a whole.