Benefit Consultants Inc. (BCI) is a wholy owned division of Lloyd Sadd Insurance Brokers. We have been proud to serve our clients and our community since 1975. As a full service firm we provide brokerage, consulting, and actuarial services in the areas of both group employee benefit and retirement/pension plans. We also provide retirement planning services for our clients through close partnerships with Willmore Retirement and Pension Consultants .