Employee benefits do not need attention only at renewal. We help UK employers keep schemes current, make benefits easier for people to use, and prepare the next decision before it becomes urgent.
Most of what an employer notices about a broker happens in the weeks nobody plans for: a joiner who needs adding, a claim that has stalled, a question from someone who cannot find what they are covered for. That work is the relationship. The placement is one week of it.
Appointing a broker changes who is responsible for servicing the relationship with your providers: who prepares your renewals, who deals with the insurer when something goes wrong, and who your people ask when they do not understand a benefit.
What the transition itself involves depends on the insurer, the policy terms, the renewal dates, the member data and your own circumstances. It is not the same job on every scheme, and we would rather show you the steps for yours than describe somebody else's.
The detail of a broker change varies by provider, policy and timing. We set out the practical steps for your own schemes before anything changes, so you can see what is involved before you decide.
A renewal is a week. The other fifty-one are administration, questions, problems with providers, and the slow drift of a scheme away from the organisation it was designed for. This is the part of the job we are organised around.
The failure mode is familiar: nothing happens for eleven months, terms arrive late, and a decision that deserved a conversation becomes a signature under time pressure. A renewal that is planned is a renewal you can still influence.
We go through the service experience of the past year, the arrangements as they stand, and what matters to you this time. That is the input to everything that follows, and it is the step most often skipped.
We review the relevant provider information, look at market options where that is appropriate for the policy, and set out the timing constraints that apply. Not every line moves every year, and where a rate guarantee is running we will say so.
What the practical choices are, what is materially different between them, and what each one does not cover. Including, where it is the right answer, staying where you are.
We confirm the agreed actions with the providers and organise the information your employees need, so that a change to their cover is not something they discover later.
We check the transition and the communication plan landed as intended, and the servicing rhythm picks back up. The next renewal starts here, not eleven months from here.
Timings vary by scheme and are subject to provider timescales. Some lines run multi-year rate guarantees and are not reviewed in the same way every year. We will tell you which of yours are which, and when each one can actually be moved.
An employer can fund a good scheme and get very little back from it, because the people it is for do not know it exists, cannot find it, or do not understand what it is for. Benefits that nobody uses are not a benefit; they are a cost with a good intention attached.
What an employee needs is narrow and specific: what am I covered for, what is it for, how do I use it, and where is the paperwork. That is what the platform is for.
Each benefit an employee is a member of, with what it covers in plain English and how to use it, on one screen.
Policy documents, handbooks and scheme information stored and searchable, scoped to the organisation and gated to the people they apply to.
The support services already sitting inside the schemes, surfaced next to the benefit they belong to, with a standing support page that needs no login.
Every policy, its members and its documents in the admin portal, with invites, announcements and org structure alongside.
Renewal dates and policy records held in the admin portal, so what is coming is visible before it is urgent.
The whole package as one figure for each employee, including the employer-paid value of insured benefits and the pension contribution.
Every capability above carries the id of its evidence record in the page markup, and we only list what is live on the date this page was last reviewed. Capabilities are switched on per organisation, so what you would have is a question about your own configuration, and one we answer directly rather than in marketing copy.
Employers are increasingly expected to show what they do for their people's health and whether it works. The usual answer is an annual engagement survey, which tells you where you were at the moment it ran.
We run a short, anonymous check-in instead, and it is deliberately unglamorous: it exists so that benefits decisions have something behind them other than instinct.
An anonymous, non-clinical, fortnightly check-in, reported only as organisation-wide averages of five or more people.
Results only ever appear as averages of five or more people, for the organisation as a whole, and that floor is enforced in the database rather than by a setting. Individual answers are never shown to the employer. It is non-clinical and it is not a medical device. No check-in result is ever used to underwrite or price insurance.
The reason to hold broking, the platform and the wellbeing measurement in one place is not that it is tidier. It is that the renewal conversation and the question of whether people are actually using what you fund are the same conversation, and splitting them across three suppliers is how they stop being asked together.
Alltoogether is a small firm, and that is the point of this section rather than an apology for it. The people who look at your schemes are Zak Fenton, the founder, and Rachel Connell, our senior employee benefits consultant. You will know who is working on your account and you will not be explaining your schemes to a new name every spring. That is a description of how the firm is staffed today, not a contractual guarantee.
Pensions operate under a different technical and regulatory framework: different regulator, different employer duties, different expertise. We can help keep the wider benefits picture connected, and where specialist pensions work is needed we introduce the appropriate specialist and stay at the table.
To be explicit about the boundary: we do not provide pension advice, fund selection, scheme governance or auto-enrolment compliance. Treating that as a sideline is how it gets done badly. There is a fuller explanation on how we handle pensions.
Our broking is paid by commission from the insurers, which is typically already built into the premiums an employer pays. Appointing us does not add a fee or a new cost line. What commission applies depends on the insurer and the product, and we set out the specific arrangement in writing before you commit to anything.
We set out the specific arrangement that applies to your schemes in writing before you commit to anything, because the answer depends on your insurers and your products rather than on a general rule.
No. Appointing a broker and changing an insurer are two separate decisions. An appointment changes who services the relationship with your providers. Whether anything about the cover itself changes is a question for a renewal, and it depends on your policies, your renewal dates and what you decide.
It depends on how many benefit lines you have, which providers hold them and where you are in the year. Rather than quote a number that would be wrong for most employers, we map your own schemes and show you the steps and the likely sequence before you commit to anything.
Your renewal dates, a rough list of the benefits you provide, and an honest account of what is not working. That is enough for a first conversation. The documentation each provider requires comes later, and we tell you what it is rather than sending you to find out.
We cannot promise a claim will be accepted or say how long a provider will take. We cannot guarantee what a renewal will produce, because that depends on claims experience and the market. We do not advise on pensions, and we do not describe capabilities that are not live. Where staying with your current arrangement is the right answer, we will say so.
This page describes how we work as an employee benefits intermediary. It is general information, not advice, and it is not a description of any insurer's terms or of what your own arrangement costs. Advising on whether a particular contract of insurance suits you is a regulated activity and is a separate conversation. What a broker change involves in practice, and what a renewal produces, depend on your insurers, your policy terms, your renewal dates and your own circumstances. Alltoogether is an appointed representative of Sante Partners Ltd, which is authorised and regulated by the Financial Conduct Authority.
| Financial Conduct Authority | The Financial Services Register Supports: that a firm's regulatory status and permissions can be checked independently, including which activities it may carry on Published or updated: live register. Retrieved: 15 August 2026. Limitation: the register records permissions and status. It says nothing about the quality of any firm's service. |
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| The Pensions Regulator | Employer duties and automatic enrolment Supports: that workplace pensions sit under a different regulator and a different set of employer duties from insured employee benefits, which is why this page treats them as a separate discipline Published or updated: current guidance as published. Retrieved: 15 August 2026. Limitation: general guidance for employers. It is not advice about any particular scheme. |
| Alltoogether | Platform feature evidence register Supports: every platform capability described on this page. Each card carries the id of its record, and a capability with no record does not appear Published or updated: verified 15 August 2026. Retrieved: 15 August 2026. Limitation: the register records what is live on the date it was checked. Features are switched on per organisation, so what is available to you is a question about your own configuration. |
| Alltoogether | Public product canon, workplace wellbeing check-in Supports: the description of the wellbeing check-in, including the fortnightly cadence, the non-clinical boundary and the five-person anonymity floor Published or updated: signed by the founder 15 August 2026. Retrieved: 15 August 2026. Limitation: read from the product rather than described from memory. The anonymity floor is enforced in the database, not by a setting a person can change. |
| Alltoogether | How this page was written Supports: the decision to describe the service in general terms and to qualify every stage of the renewal process rather than publish a fixed timetable Published or updated: set 15 August 2026. Retrieved: 15 August 2026. Limitation: this row records the method. It is not a fact about any scheme, and nothing on this page describes the terms of a particular policy. |
Bring your renewal dates, a rough list of the benefits you provide and the parts of the current service you would like to improve. We will set out what a review would involve, and what it would not.
Request a benefits review →