BizPower Benefits provides plan documents, technology, and administrative infrastructure for the Employer Sponsored Preventive Access (ESPA). The employer sponsors the plan. We make the plan simple to put in place and simple to administer.
BizPower Benefits is the executer of the plan benefits for employer-sponsored ESPAs. Our four service areas are plan documents creation assistance, the employer technology portal, the employee technology portal, and simplified onboarding and offboarding of employees. Together, they give employers a fully supported way to put an ESPA in place without learning a new set of regulations or building a new HR function.
The ESPA is structured under IRS Codes 213(d), 106(a), 105(b), 1.105-11(i), and 104(a)(3), and is consistent with Office of Chief Counsel Memorandum 201703013. We name the code sections publicly so brokers, CPAs, and HR directors can verify the structure.
Every ESPA we put in place includes three integrated documents: a Section 125 Cafeteria Plan, a Self-Insured Medical Reimbursement Plan (SIMRP), and preventive health benefits. Many programs in the market are missing one of the three; that gap is the source of the compliance problems other SIMRP TPAs have run into.
Our employer technology portal, employee technology portal, and onboarding flows are built specifically for the ESPA. Every feature exists to make the plan simpler to put in place and simpler to administer.
BizPower Benefits operates from corporate offices in Nashville, Tennessee and Tuscumbia, Alabama. Both addresses appear in our footer and on every signed contract.
BizPower Benefits operates as part of BizPower360, LLC. BizPower360 is the parent company. BizPower Benefits is the ESPA-focused business unit and the public-facing brand for employers, brokers, and BSCs working with the plan.
Behind every successful organization is a team of experienced professionals dedicated to delivering exceptional service and creating lasting impact. Our leadership team brings together expertise, innovation, and a shared commitment to helping businesses and individuals thrive.
chief executive officer
Tim Thomas is an accomplished Chief Operating Officer with 25 years of experience in sales and business operations. Known for optimizing processes, driving revenue growth, and enhancing customer experiences, Tim has a proven track record of delivering impactful results.
He has successfully expanded marketing teams to thousands of distributors and implemented sales metrics and training practices that ensure sustainable growth. One of his standout achievements is a customer retention program that generated $60 million in its first year, demonstrating his ability to align strategies with business goals and improve customer loyalty.
Tim’s expertise extends to designing regulatory-compliant compensation packages and developing acquisition strategies that drive market penetration. His leadership has also driven a financial marketing agency to gross $30 million in its first year, underscoring his operational and strategic prowess.
Tim resides in Tennessee with his wife Michelle and their three grown children.
President
Josh Kelley is a U.S. Army veteran, and co-owner of BizPower Benefits. His career has been shaped by military service, entrepreneurship, and a passion for helping business owners take care of their employees.
Josh attended the University of North Alabama on an ROTC scholarship and served in both the Infantry and in the Army’s Finance Corps. His entrepreneurial background includes owning a car wash, used car dealership, limousine service, and wrecker service. Those ventures taught him lasting lessons about leadership, hard work, and navigating both success and failure.
He entered the insurance industry in 2009, spending six years coaching agency owners before opening his own Allstate agencies. His work eventually led him into employee benefits and the founding of Citadel Benefits Group in 2019, which later became part of BizPower Benefits.
Outside of work, Josh serves on the Elder Board at Faith Church and the board of the Muscle Shoals Education Foundation. He is an avid watch collector who enjoys the craftsmanship, history, and friendships that come with the hobby. Above all, he values life with his wife, Tasha, and their three daughters, Sydney, Sadie, and Sophia.
CHIEF sales OFFICER
Michelle Thomas is a dynamic leader with a proven track record in building and leading high-performing sales teams. With over 7,000 people in her organization, she was recognized as one of the first “Diamond” leaders in a top marketing company. Michelle’s passion for empowering others has been the driving force behind her success, helping countless individuals achieve six-figure incomes through her coaching and mentorship.
In addition to her extensive experience in sales and marketing, Michelle leads the BizPower360 insurance brokerage, bringing a wealth of expertise in these areas. In total, she has over two decades of experience in sales operations and management, and has honed her ability to inspire and lead diverse teams.
Michelle is equally proud of her personal achievements, including being married to her best friend, Tim, for over 24 years, and raising three amazing children.
Chief Business Development Officer
Chris is an accomplished entrepreneur with more than 30 years of experience leading successful businesses across diverse industries, including finance, health, and marketing. His ventures have ranged from managing a large mortgage firm to developing strategic marketing initiatives that help businesses achieve greater financial efficiency.
He is known for his strong leadership, innovative thinking, and dedication to business growth. His deep industry knowledge allows him to guide companies through complex challenges and position them for long-term success.
A resident of Oklahoma for nearly 40 years, Chris values his faith, family, and community. He and his wife of 32 years have raised four children, maintaining a strong commitment to both family life and professional excellence.
Chief Technical Officer
For 20 years, Simon Chatfield owned a successful software development firm that created custom enterprise applications for global companies, including Apple, ESPN, Intel, IBM, and American Express. The Chatfield Group also developed over 400 custom software systems for small and mid-sized companies with unique business processes, highlighting similar challenges faced by both large and small organizations.
After exiting his consulting firm, Simon leveraged his experiences to build the Optimum platform, a revolutionary approach to software that adapts to a company’s needs without the excessive costs associated with full custom builds.
CHIEF Marketing OFFICER
Phillip Milakovic is a seasoned digital marketing professional with over 15 years of experience, managing nearly $90 million in marketing spend across various industries. He has helped businesses scale campaigns, optimize ROI, and develop strategic growth, consistently delivering outstanding results.
His approach is data-driven and results-oriented, allowing him to maximize opportunities across digital platforms, driving growth and profitability for the organizations he partners with.
501 Union St., 6th Floor Nashville, TN 37219
101 E. 6th Street Tuscumbia, AL 35674
866-826-5309
