Transform Your Benefits Package Today
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No Cost to Your Company
Tax Savings Guaranteed
Zero Administration—We Handle Everything
Discover hassle-free, cost-free supplemental benefits designed exclusively for Florida small businesses. Protect your team, boost retention, and unlock tax savings—all without lifting a finger.
© Richard Karel
Serving Southwest Florida businesses in Lee, Charlotte, and Collier counties. Specialized in supplementary employee benefits that protect your team and enhance your business.
Ready To Transform Your Benefits Package?
How It Works
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Why Choose Us
Effortless Implementation
We handle setup, enrollment, and administration—so you focus on running your business.
Empowering Florida Businesses with Smart Benefits Solutions
Tax Savings & Efficiency Boost
Leverage IRS-approved programs to reduce payroll taxes and retain more revenue.
Comprehensive Coverage
From accidents to critical illnesses, safeguard your team with 6+ insurance options.
No Risk, No Contracts, & No Obligation
Reach out to us today and discover how our supplementary employee benefits can elevate your business. Fill out the form below to get started.
Limited Time Offer: Free Cyber Risk Assessment!
At Richard Karel, we specialize in empowering Florida businesses with 3–50 employees to offer robust supplemental benefits without added costs or complexity. Our tailored solutions help you attract top talent, reduce turnover, and prioritize employee well-being—all while maximizing tax advantages.
Benefits that Work for You—Not Against Your Budget
Richard Karel provides no-cost supplementary employee benefits to businesses in Florida. From accident and critical illness insurance to dental and disability plans, we help small businesses offer their teams more protection without added expenses or administrative headaches.
Don’t wait for a cyberattack to threaten your business. Act now for a flat monthly rate with no hidden fees. Plus, get a FREE Cyber Risk Assessment!
Completely Free for Employers
Your company pays nothing for these benefits.
Enhances Existing Packages
No need to replace your current plans.
Simple, Risk-Free Process
No contracts, no commitments, no complications.
About Us
Richard Karel is Florida’s trusted partner for supplemental employee benefits. We serve small businesses in Lee, Charlotte, and Collier counties, helping leaders like you enhance benefits without added costs. Our mission? Simplify employee care, so you can focus on growth.
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Free Consultation
Complete our easy online form to schedule a detailed consultation with our specialists.
Custom Benefits Analysis
We'll create a tailored benefits package that aligns with your company culture and goals.
Seamless Implementation
Our team handles all aspects of rollout and administration, requiring minimal time from your staff.
"DifferentDev was a lifesaver when it came to troubleshooting our Veeam implementation. They quickly identified the issues we were facing and provided clear, actionable steps to resolve them. Their expertise in Veeam and their ability to understand our unique needs made all the difference. We are now able to fully utilize Veeam and have peace of mind knowing that our data is protected."
Howard K.
Client Feedback
Take Advantage of a Free 5K Audit & Gap Analysis!
As part of our commitment to enhancing your IT resilience, Different Dev LLC offers a complimentary audit valued at $5,000.
Critical Illness Insurance
Protection against the costs of serious illnesses.
Accident Insurance
Financial support for unexpected accidents.
Life Insurance
Security for your family’s future.
What We Offer
Hospital Indemnity Insurance
Help with hospital stay expenses.
Short-Term Disability Insurance
Income replacement during recovery.
Dental Insurance
Flexible coverage for any dentist you choose.
Works Seamlessly with Existing Benefits