Butcher & Associates is a Pensacola group benefits brokerage. Wil and Holly Butcher opened the firm in March 2012. Viviana Salas runs day-to-day service. A fourth team member supports enrollment operations, ACA reporting, and account work. Calls answered the same business day. Renewal letters come back within 48 hours. No call-center rotation.
Wil spent the years before 2012 inside larger benefits operations — carrier-side and brokerage-side. The story everywhere was the same: employers got handed off, service tickets bounced between three queues, and the producer who pitched the plan was rarely the person you talked to when the plan needed a real decision.
So Wil and Holly opened Butcher & Associates in March 2012 with a different rule. The producer who wins the account is the producer who handles the renewal every year. The service lead who picks up at enrollment is the service lead who picks up in May. No call-center desk, no offshore queue, no annual rotation. The same four people.
The firm has stayed small on purpose. Four people is large enough to handle a Florida book of 10-to-300-life groups well. Larger than that, and the model breaks — you start to need queues, regions, and "account managers assigned to your area." We do not want to be that.
If you call (850) 972-8773, this is who picks up.
Senior Producer · Co-founder
Wil leads as senior producer. He opens every renewal call, runs the carrier RFP, and presents the recommendation. Florida 2-15 licensed. Appointed with the major Florida carriers and select level-funded and stop-loss markets.
Service Lead
Viviana runs day-to-day account work on every Butcher client — enrollment windows, claim escalations, employee questions, ACA reporting prep, COBRA admin coordination, plan-document updates. If your HR team has a question on a Tuesday morning, they call Viviana.
Partner — role TBD
Bio coming soon — Holly co-founded Butcher & Associates with Wil in 2012. Specific role description pending. Will be replaced before launch.
Role TBD
Bio coming soon — will be replaced before launch.
For most fully-insured and level-funded group medical placements, the carrier pays us a per-employee-per-month commission that is already built into the premium you pay. Typical PEPM in this market runs $20 to $40 for medical, with lower rates for ancillary lines like dental, vision, life, and disability. You do not write us a separate check; the cost is embedded in the carrier rate.
For mid-market groups that prefer a fee-based engagement, we strip the commission out of the premium and bill a flat monthly or project fee directly. This is more common with self-funded plans and with employers who want full transparency on every dollar.
Because every commercial buyer knows the broker is being paid somehow. Naming the mechanic on the website disarms the objection. There is no hidden number. If a specific placement raises a conflict-of-interest concern, we will tell you which option carries the higher commission and why we recommended the one we recommended.
Wil and Holly Butcher open Butcher & Associates in Pensacola, FL. Small-group medical placement, fully-insured.
Voluntary benefits formalized — dental, vision, life, short-term and long-term disability.
ACA reporting and 1094 / 1095 preparation added in-house. COBRA admin coordination formalized.
Level-funded modeling added for groups 25 lives and up. Stop-loss carrier appointments added.
Same four people. Same accounts. Renewing them now.
The reason we keep a fourth person on the team rather than scaling up is that the placement is only half the work. The other half is making sure the people actually using the plan understand it. Plain-English benefit guide, in-person enrollment walkthrough, year-round access to Viviana, sample enrollment timeline shared upfront. See how the education layer works.
Forty-five minutes. The carrier renewal letter on the table. Real math.