Employee Benefits Strategies for Your Business, Your Team, Your Solutions.
“Because People Matter.”
Who We Are

​3to99 is your first choice for employee benefits and insurance solutions. For employers, our job is to give you the information, tools, resources and support you need to recruit and retain the best people for your team. For individuals, our job is to provide the knowledge and support you need to make great insurance choices and to get the most out of the insurance you have. Our promise is to:

  • Always put people ahead of profit
  • Talk about insurance in terms you understand
  • Show you what’s possible and help you match the options to your need
  • Never promote a product you don’t need or won’t use
  • Serve you at the level you deserve
3to99 | Employee Benefits, Compliance, Insurance for Individuals and More
Services Offered
3to99 | Employee Benefits, Compliance, Insurance for Individuals and More
Employee Benefits

People matter! Your business can’t operate without a great team. To attract and retain the right people, you need the right benefits package. That’s all we do at 3to99. Get started today building your benefits package!

3to99 | Employee Benefits, Compliance, Insurance for Individuals and More

Compliance with ERISA, the Affordable Care Act, Section 125 is tricky. 3to99 can help you ensure you are in compliance with every element at a cost you can afford.

3to99 | Employee Benefits, Compliance, Insurance for Individuals and More

The cost of being uninsured can be catastrophic. Life Insurance, Health Insurance, Medicare all matter? We are dedicated to helping every client find exactly the right solution. Let us help you find the right solutions to your coverage needs.

I’ve loved working with 3to99, they have excellent customer service and they are a great option for small organizations. We have been able to offer our staff healthcare that otherwise wouldn’t have been possible. Kevin has also helped us figure out creative ways to add services that will benefit our employees while balancing our budget. I’m so grateful to have this business in our community.

Claudia Caballero
President & CEO
Centro Hispano de East Tennessee

I am the owner of a 26 year old professional project management company based in Knoxville. Our staff flexes between 20 – 40 full time associates. Making sure our employees have the very best options for their health benefits is a key part in how we attract talent to our company and retain the folks that we have invested in for so long. Kevin and Erin at 3 to 99 have surrounded our folks with all of the knowledge and support you could ask for. Other companies talk about service but Kevin and Erin demonstrate their value to us every day. I would absolutely recommend 3 to 99 to any small business that wants the very best products and services with the personal touch of always being a phone call away.

Ed Britton | CEO/Owner
The InSite Group

We signed on with 3 to 99 two years ago when we felt we were not getting the service we needed from our previous broker.   That was the best decision we ever made!  Kevin, Erin, and their staff have been amazing to work with and to get to know.  They have always been on top of everything, answered all questions for us and our employees, they are on top of the latest insurance trends, and have just made our lives a lot easier.   We would highly recommend them to anyone looking for a knowledgeable broker who is always there, easy to work with, and just great people!    

Tara Campbell | HR Director
Volunteer Mechanical, Inc.

We have known Kevin Kragenbrink for a long time as our business coach. When he launched 3to99 to help small businesses with their employee benefits we were happy to make the switch and we have never looked back. I would highly recommend 3to99 to represent your company’s insurance needs.  They are always helpful and quick to respond whenever we have questions or concerns over our insurance. 
Susan Green | President
The Catering Kitchen
Acquiring health insurance for our employees was really a good experience. Kevin was in continuous contact with us and readily available to answer any questions. He really went above and beyond to make the transition as easy as possible. Five stars all around!

Brian Pietzyk
Wind River Landscape Company

3to99 | Employee Benefits, Compliance, Insurance for Individuals and More
What We Believe

• We believe that people matter more than profits.

• We believe that everyone should have access to insurance products to protect their health, their economic security and their family.

• We believe that people should be able to understand how their insurance works and how to take full advantage of the benefits they have.

• We believe that every client deserves a prompt response to their questions and a swift resolution to their problems.

Read Our Blog
Four Traits of an Above-Average Employee Benefits Broker

Four Traits of an Above-Average Employee Benefits Broker

As an attractive incentive in a COVID-weary world, employee benefits demonstrate your dedication to your team's health and well-being, possibly tipping the scales for a prospective employee when it comes to working for your company versus a competitor’s. And for your...

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