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

    The Compliance Pathway Q1

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

    March 5, 2026 at 01:00 pm CT | Virtual

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    Employee Benefits

    Alera Group Presents: Navigating Medicare

    The knowledgeable team at Alera Group is here to help you navigate your Medicare options to ensure you feel confident in your post-65 healthcare coverage.

    March 11, 2026 at 12:00 pm CT | Virtual

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    Employee Benefits

    The Funding Edge: Why Fully Insured Limits Control — and What Modern Funding Unlocks

    A funding decision framework leaders can use to evaluate options and align on next steps.

    March 17, 2026 at 01:00 pm CT | Virtual

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    THOUGHT LEADERSHIP

    Insights

    Employee Benefits

    IRS Releases Guidance Related to Recent HSA Changes

    The IRS recently released Notice 2026-5, which provides guidance and answers to common questions related to the expanded availability of health savings accounts (“HSA”) under the Reconciliation Act (previously named the One Big Beautiful Bill Act) passed into law earlier this year.

    December 30, 2025

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    Employee Benefits

    Legal Alert: Agencies Clarify How Certain Fertility Benefits May be Treated as Excepted Benefits

    This alert is of interest to all employers that offer fertility benefits or may be interested in offering fertility benefits in the future.

    November 4, 2025

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    Employee Benefits

    Legal Alert: IRS Adjusts Health Flexible Spending Account and Other Benefit Limits for 2026

    This alert is of interest to all employers that sponsor health FSAs and qualified transit plans, among others.

    October 10, 2025

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    Employee Benefits

    2025 Leave Report: Insights to Guide 2026 Leave Planning

    Explore Alera Group’s 2025 Leave Report. Benchmark PTO, parental leave, and holiday policies to strengthen employee retention and recruitment as you plan for 2026 and beyond.

    October 1, 2025

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      Alera Group, Inc. is aware that there are persons fraudulently impersonating our company by using fake internet domains that appear to look like our legitimate services. If you are contacted by someone claiming to work for Alera Group, or any of our partners, please carefully review the email address and domain. If you have a relationship with our company, please contact us directly and not through any information that is provided in such an email. Please be extremely careful in responding to such emails with personal and financial information, sharing passwords, or any other information of value. Alera Group, or any of our partners, will never send ACH instructions via email and thus we strongly recommend that you verify the authenticity of each wire transfer request by calling your Alera Group contact using the number you have previously called.