Founder Shield vs Lockton Employee Health Benefits

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Employee Health & Benefits with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

Lockton's People Solutions practice designs and places employee health and benefit programs; the reviewed page describes brokerage and advisory services, not Lockton acting as the benefits underwriter. ¹¹Company-reported. People Solutions page as read 2026-09-23. The page URL for this line moved from the 'employee-benefits' path cited on Lockton's provider record to 'people-solutions'.

Founder Shield says it places policies, including Founder Shield Employee Health & Benefits, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ³Company-reported. General carrier-selection FAQ, not specific to this line's placements.

The page does not name the insurers or carriers whose employee-benefit plans Lockton places for clients. ¹¹Not publicly disclosed. People Solutions page checked 2026-09-23.

Founder Shield markets this line to startups building a first benefits package, established businesses retaining staff, non-profits, and remote or distributed teams. ⁶Company-reported. Employee Health & Benefits product page.

Not described in the reviewed sources.

Founder Shield lists medical, dental and vision plans, life insurance, disability insurance, and retirement plans such as 401(k)s with employer matching among the benefits it places. ⁶Company-reported. Product page; actual plan design depends on the carrier and employer choices.

Lockton publishes a quarterly People Solutions Market Update with U.S. health-plan cost data; its Q3 2026 update reported 2025 medical and pharmacy trend at 7.7% year-over-year, following 8% the year before. ¹¹Company-reported. People Solutions page as read 2026-09-23. Cost-trend figures are company-reported market commentary, not a specific client's premium.

The reviewed page does not describe specific benefits-administration or HR support services Founder Shield itself provides beyond plan placement. ⁶Not found in reviewed sources. Employee Health & Benefits product page, checked 2026-09-23.

Lockton describes three service areas for employee benefits clients: employee experience and engagement, total rewards and benefits design, and program management and measurement, aimed at balancing talent attraction and retention against cost control. ¹¹Company-reported. People Solutions page as read 2026-09-23.

You request Founder Shield Employee Health & Benefits through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

Not described in the reviewed sources.