For Business Owners with 5–100 Employees

What Are Workforce
Problems Costing
Your Business?

Most business owners don't have an employee problem. They have a workforce preparedness problem — and it's costing them more than they realize.

7 minutes. No commitment required. Results are instant.
50–200%
of annual salary to replace
one employee
34%
productivity lost from
financially stressed employees
5–100
employees — our focus,
your size
Sample Workforce Risk Report
Employee Turnover Risk
$84,200/yr
Disability & Income Gap
$31,500/yr
Key Person Dependency
$47,000/yr
Benefits Competitiveness
$18,600/yr
Financial Wellness Gap
Protected
Workforce Preparedness Score™
41 / 100
High Risk
Sample report — your numbers will differ
The Hidden Problem

Your employees aren't the problem.
Your preparation is.

Business owners spend years building their teams — then lose them to risks they never saw coming. Turnover. Disability. Key-person loss. Financial stress. Most of it is preventable.

Unexpected Turnover

Replacing one employee costs 50–200% of their annual salary in recruiting, training, and lost productivity.

Disability Without a Plan

A single health event can take out a key employee for months. Without coverage, your payroll — and your business — absorbs the full hit.

Key Person Dependency

Most small businesses are one person away from a crisis. Without a continuity plan, one departure can stall operations for months.

Financial Stress at Work

Financially stressed employees underperform by up to 34%. It's invisible, it's expensive, and it compounds daily.

The Process

From assessment to action in 3 steps

The Marshall Method™ is a structured process, not a sales pitch. You get real numbers, a real score, and a real plan — before we ever talk.

Start Step 1 Now
1
Take the 7-Minute Assessment
Answer questions about your workforce, your benefits, and your key people. No financial data required. We calculate your Workforce Preparedness Score™ and your exact annual dollar exposure.
2
Review Your Workforce Protection Report
Get a full breakdown of your five biggest vulnerabilities — ranked by severity and annual cost. See exactly where you're exposed and what it's costing you right now.
3
Get Your 90-Day Action Plan
Steven Marshall walks you through your numbers — no slides, no pitch, just your data. You leave with a prioritized roadmap to close your gaps, reduce your exposure, and protect what you've built.
What We Measure

The 5 workforce risks every
business owner faces

Your Workforce Preparedness Score™ is built from five categories. Each one is scored, priced, and ranked — so you know exactly where to act first.

🔄

Recruiting, Retention & Benefits

Are your benefits competitive enough to attract and keep the people you've invested in? Turnover is your largest hidden cost.

50–200% of salary per departure
🛡️

Disability & Income Protection™

If your top performer can't work for 90 days, what happens? Without short or long-term disability coverage, the answer is painful.

Unprotected payroll = full exposure
🔑

Key Person & Business Continuity

Most small businesses are built around 1–2 critical people. One departure, injury, or illness can stall everything. Is your business protected?

#1 unplanned-for risk in small business
💼

Voluntary & Supplemental Benefits

Accident, cancer, and critical illness plans cost you nothing — employees pay through payroll deduction. You offer them. They decide. Everyone wins.

$0 employer cost. Real protection.
💰

Employee Financial Wellness

Financially stressed employees underperform by up to 34%. They're at your desk but not at work. Financial wellness benefits close the gap.

$1,900/yr per stressed employee
📊

Your Score Tells the Story

Every answer generates a real dollar figure. You'll see your Workforce Gap Value™ — the exact annual cost of your unaddressed risks — before we ever speak.

See Your Score
Ready to Find Out

What are your workforce
gaps costing you?

In 7 minutes you'll have a Workforce Preparedness Score™, an annual dollar figure, and a 90-day roadmap. No sales call required to see your results.

Get My Free Workforce Assessment
7 minutes · Free · Results are instant · No commitment required
SM
Steven Marshall
Benefit Coordinator · The Carolinas Agency
Colonial Life · Greensboro, NC