Because he’s backed by the world’s largest privately held insurance brokerage firm, Lockton Companies Inc., Mike has an extensive background in the complex world of employee benefits. That said, he’s not employed with Lockton; instead he acts as an independent entrepreneur with no obligation to sell the products of any particular vendor. That’s why he’s been able to fill an important niche by providing customized opinions to clients that need objective insight into their insurance and HR administration options.