Benefits Consulting

Modern benefits
for the modern
employee.

Because your team isn't thinking about the same things they were a decade ago — and your benefits program should reflect that. Most don't. That's where I come in.

"Good benefits don't cost more. Bad ones do."

12+
Years in benefits management
1
Priority — Canadian businesses and their people (with experience across North America, Europe, APAC & Australia)
2
Consultants who will tell you the truth — not what you want to hear
0
Generic, one-size-fits-all solutions
Modern Benefits
Real People
Meaningful Impact
12+ Years Experience
Built For Today
Honest Assessment
Modern Benefits
Real People
About Malkia

12 years of watching companies get this wrong.

After more than a decade in the industry, I got tired of watching good employers lose good employees because nobody helped them connect the dots. Leaders who genuinely care — offering benefits packages built for a workforce that no longer exists.

The world your employees are navigating today looks nothing like it did even 20 years ago. The pressures they face, the life stages they're in, the things they need support with — all of it has shifted. Dramatically. And most benefits programs haven't moved an inch.

I was concerned seeing good employers lose good people to companies who figured this out first. Your benefits program is one of the most powerful signals you send your employees about whether you actually see them.

I help make sure it says the right thing.

— Malkia Kerr

What I bring to the table

The Shift

Benefits haven't changed.
Everything else has.

The standard benefits package was built for a different era. The workforce has changed in ways most employers haven't fully reckoned with — and the gap between what employees need and what they're being offered is wider than ever.

Then

The benefits package that built its reputation decades ago

Life insurance. Basic dental. A prescription plan. Extended health coverage with a $500 therapy allowance. These were meaningful when they were designed. They represented an employer who cared. For the workforce of that era, they were enough.

Standard — But No Longer Sufficient
vs
Now

A workforce navigating an entirely different reality

Today's employees are managing pressures, life stages, and financial realities that didn't exist in the same way a generation ago. The way people build families has changed. The way they care for aging parents has changed. What financial security means, what home ownership looks like, what mental health support actually requires — all of it has fundamentally shifted. The benefits landscape has kept up. Most employers haven't.

Modern — What Your People Actually Need
The Workforce Has Changed

Your people are dealing with things
their benefits program doesn't know about.

The full scope of what modern benefits can address is a conversation, not a webpage. But here are a few of the dimensions of life today's workforce is navigating — often without any employer support at all.

"The benefits landscape has evolved significantly. Most employers are still offering the same package they've had for twenty years. Meanwhile their employees are quietly making decisions — about whether to stay, whether they can afford to, whether they feel seen — based on exactly that gap."

01
The Way People Build & Support Families

Family looks different now. The support employees need at every stage of family life — before, during, and long after — has expanded well beyond what traditional benefits address. Working parents, in particular, are managing a weight that most benefit packages completely ignore.

02
Financial Pressures That Have Redefined Security

Cost of living, housing affordability, student debt, and long-term financial wellness are top-of-mind for employees across every generation. Benefits that address financial reality — not just retirement — are becoming a deciding factor in where people choose to work.

03
Mental Health — Real Support, Not a Checkbox

The conversation around mental health has matured. Employees know the difference between a token allowance and genuine support. The bar for what constitutes meaningful mental health coverage has risen — and it will keep rising.

04
Caring for Aging Parents While Holding a Career

More employees than ever are simultaneously managing their own careers and the care of aging parents. This is one of the least-addressed pressure points in modern benefits — and one of the most quietly significant for employee retention and wellbeing.

05
Life Flexibility That Reflects How Work Has Changed

The relationship between work and life has been permanently renegotiated. Benefits that acknowledge employees have full, complex lives — and support them accordingly — are no longer a differentiator. They're becoming an expectation.

06
And Much More Than This Page Can Hold

The modern benefits landscape is broader, more innovative, and more impactful than most employers realize. What's right for your employees depends entirely on who they are. That's a conversation — not a list. Let's have it.

The right program for your employees starts with understanding your people. That's where I come in.
Book a Discovery Call
Services

How I work with you

Three ways to work together depending on where you are and what you need. Every engagement starts with understanding your people first — who they are, how they live, what they actually need. No cookie-cutter packages. No long-term contracts required to get started.

01

Benefits Audit

A complete, honest review of your current benefits program. What you're paying. What your employees are actually using. What's missing. What's wasted. Delivered as a clear, actionable plan.

  • Current plan analysis
  • Employee needs assessment
  • Cost optimization review
  • Modernization recommendations
  • Written action plan
02

Benefits Design & Setup

For businesses building or rebuilding their benefits program. I design a plan that fits your budget, reflects your values, and actually meets your employees where they are in their lives right now.

  • Custom program design
  • Provider selection and negotiation
  • Implementation support
  • Employee communication plan
  • Ongoing refinement
03

Advisory Retainer

Ongoing expert guidance for businesses that want a trusted benefits advisor in their corner — someone who stays ahead of the landscape so your program never falls behind your people.

  • Monthly strategy sessions
  • Benefits question support
  • Annual program review
  • Market updates and trends
  • Priority access and response

Benefits done right don't just
pay your employees —
they change their lives.

After 12+ years in this industry, that's the truth I keep coming back to. The businesses that understand this retain better, attract better, and build something that actually lasts.

Let's talk about your employees Learn about Malkia
Get in Touch

Ready to find out what your people actually need?

A 30-minute call is all it takes to get an honest read on where your benefits program stands — and what it could become. No pressure. No pitch. Just a real conversation from someone who has seen it all.

Location
Canada — serving businesses nationally
Focus
Small to mid-size businesses with employees who deserve better
Response
You'll receive a response within 48 hours, always

Book a discovery call