smart benefits everyone
Control employer costs, satisfy employee needs and stay compliant

In the ever-changing and highly regulated industry of benefits, it’s important to work with partners who are experts. Providing employee benefits and health insurance are complex decisions. By using SmartBenefits Marketplace™, you or your employees won’t have to navigate this process alone.

SmartBenefits Marketplace™

SmartBenefits Marketplace™ is a division of MRCT, a locally owned and managed employee benefits firm serving close to 1,000 business owners and their employees in Missouri and Southern Illinois for over 40 years. MRCT, located in Clayton, Missouri, has more than 40 full-time employees and 150 licensed agents in Missouri and Southern Illinois.

Each vendor in the marketplace has been in business for more than 25 years and has been carefully selected based on underwriting flexibility, financial ratings, pricing, flexible participation requirements, and their commitment to technology and ability to automatically connect with our marketplace.

THAT is what makes the SmartBenefits Marketplace™ such a simple solution!!!

MRCT’s management team is comprised of partners William R. Maher and daughter Holley Maher.

Senior leadership is comprised of:
Holley A. Maher – President Click to expand
Holley is a benefits consultant with over ten years of experience in both group and individual health products and financial services.  She is involved in all phases of benefit plan management including plan design, underwriting, project management, employee communication and plan administration.  Holley is also the manager of our Financial Services Department.  Holley has served on Anthem’s Producer Advisory Board, has also participated in other industry and community boards and recently served on the board of the St. Louis Association of Health Underwriters (SLAHU).  Holley is currently studying to obtain her PHR (Professional Human Resources) certification.  Graduated in 2001 from Greenville College with a BA; Major: Sociology, Minor: Business.
Janine M. Doyle – Vice President Business Development/ Broker Services Click to expand
Janine joined MRCT in 2012 bringing over 35 years of healthcare industry experience to the organization.  She has served in leadership roles with Mercy, UnitedHealthcare, Coventry and Travelers for group, individual, and Medicare Advantage product sales and development.  Janine holds a Bachelor of Arts degree from Eureka College.  Janine has been married for 35 years with two adult children.
Mark H. Doyle – Vice President Large Case Development Click to expand
Mark joined MRCT in 2008, and brings 30 years of industry experience and knowledge to the firm.  Mark has worked for two national carriers and a national broker/consulting firm, with hands-on experience in both the small business and national account market segments.  His background includes experience in sales, sales management, client service, people and operations management, underwriting, marketing support and all aspects of benefit plan management.  Mark has also worked with a couple of large successful Associations/PEOs as part of his insurance carrier responsibilities.  Mark received his BA – Management degree from Texas Tech University, and was part of the ‘Leading Healthcare Organizations’ executive training program at the Darden Graduate School of Business Administration – University of Virginia.  Mark has been married for 35 years and has one child.
Angie Hwang – Vice President Marketing Services Click to expand
Angie manages the Internal Marketing division of the Group Insurance Department at MRCT.  She has worked at MRCT since 2007 and is involved in the process and strategy of gathering benefit and rate information to help clients make informed decisions regarding their group benefits.  She supports the brokers by working closely with many carriers in the St. Louis region, presenting competitive options to clients, helping the carrier and client maintain long-term relationships when appropriate, analyzing claims history, and preparing cost analyses.  She develops efficient processes for the Internal Marketing Department and works as a team with the managers of other departments at MRCT.  B.S. Applied Mathematics, Fontbonne University; M.A. Teaching, Emory University.  Angie has been married for over 1 year.
Powered by bswift

Since their inception in 1996, bswift’s goal has been to use technology to simplify the administration of health care, reduce costs and empower consumers. As bswift grew and the healthcare industry evolved, they decided to lead the way in private exchanges.

In addition to private exchanges, bswift is the partner of choice for several state-run exchanges.

Their hard work and forward thinking has paid off. bswift has millions of consumers on its system and offers software and services that streamline HR and benefits administration.


Since the passage of the Affordable Care Act in 2010, MRCT began their search for a benefits technology partner to simplify the administration of healthcare, reduce cost and empower consumers. bswift was chosen as a technology partner due to their innovative, highly configurable, best-in-class technology and history of success. bswift has a proven exchange and benefits administration with a track record for developing EDI connectivity with insurance carriers and payroll companies, significantly reducing cost and improving outcomes. The SmartBenefits concept was started in 2011 and the private exchange model began in 2012, ready for business in January 2014.

We treat vendors like partners, too

The SmartBenefits Marketplace™ is very selective of our partners. We only choose the best providers with excellent reputations and balance sheets. They complement and expand our offerings with their unique value propositions, and also provide clients with special pricing and integrated system technology.

Partners include:
  • Anthem
  • Coventry
  • United Healthcare
  • Assurant
  • Guardian
  • MetLife
  • UNUM
  • TASC