The csONE Team

Business meeting

Meet the csONE Benefit Solutions Team

csONE Benefit Solutions earns the trust of Employee Benefit Producers by providing them with expertise, benefit education, and innovative solutions that will meet the needs of their clients.

Our Team Makes All the Difference

We understand that the rapidly changing world of employee benefits can be confusing and complex. Our mission is to provide the service, support, tools and information you need to make the most informed decisions possible.


Benantonio Forgione, GBDS, REBC

Chief Operating Officer
Phone: 1 603-227-2005


In 2014, Benantonio joined Combined Services, LLC after serving as a worksite sales executive at Colonial Life. There he developed integrated insurance solutions for employee benefits advisors amid the newly-established Affordable Care Act. Through his career, Benantonio gained exceptional knowledge of group benefits and established partnerships with producers, insurance carriers and plan administrators. He brings that experience along with a dynamic workplace technology understanding to today’s clients.

In 2017, Benantonio was chosen to lead Sales and Marketing as its new VP and helped transition the company to its new name, csONE Benefit Solutions. When the company’s top executive retired at the end of 2019, Benantonio accepted his newest position as Chief Operating Officer and helped successfully guide csONE through a business-altering pandemic.

Today Benantonio oversees group life and disability distribution, consumer-driven health plans, compliance, benefits communication and evolving-enrollment technology. With a strong team of industry professionals with decades of combined experience, Benantonio heads a prominent company that is unique in the marketplace – as a general agency, third-party administrator and enrollment firm.

Benantonio holds a Bachelor of Arts in Communication and Media Studies from the University of Southern Maine. In 2013, he received a Group Benefits Disability Specialist designation from the National Underwriter while studying at the Hartford School of Insurance in Princeton, New Jersey. He earned an honorary degree from the University of New Hampshire’s Leadership Consortium in 2016 and has served as a guest lecturer at Plymouth State University. In 2019, Benantonio earned a Registered Employee Benefits Consultant® designation from the National Association of Health Underwriters.

Benantonio resides in Dover, New Hampshire with his wife Concetta and their two young daughters, Aria and Eden. Benantonio and Concetta are also active sponsors of three children in Africa and Central America.

Sales Team

Todd Walker

Director of Sales
Phone: 1 207-423-9558

Todd has held executive leadership roles with a number of carriers including Allstate Benefits and Colonial Life. He brings a unique perspective to clients and brokers offering product solutions for any size group. Combining extensive front line worksite sales experience with an expertise in enrollment solutions, he is a trusted partner for employee benefit brokers. Todd holds a Bachelor of Science Degree in business from the University of Maine. Todd resides in Scarborough, ME with his wife Allison and two daughters.

Tiffany Hyatt

Account Executive
Phone: 1 603-227-2004

Tiffany is responsible for sales and retention in New Hampshire and Vermont. Prior to joining csONE, she was a sales representative for Colonial Life where she focused on supporting the broker market in New Hampshire.  Tiffany was involved in every aspect of the voluntary benefits enrollment process. Through these experiences, Tiffany proved to be a trusted partner for brokers, clients, and employees with all of their insurance needs.


Tiffany holds a Bachelor’s of Arts in Education from Bridgewater State University and a Master’s in Educational Administration from Rivier University. She utilizes her extensive background in education, now within the insurance industry, taking a consultative and educational approach to benefits education.  In 2019, she received the Group Benefits Disability Specialist designation, followed by the Registered Employee Benefits Counselor (REBC) designation in 2020.  She is active in her community, including sitting on the board of a local youth athletics nonprofit. Tiffany resides in Merrimack, New Hampshire with her husband and two children.



Debbie Sullivan

Account Executive
Phone: 1 207-415-1012

Debbie has worked in the insurance industry since 1989. Upon graduation from the University of Maine with a Bachelor of Science degree, she began her career at Blue Cross and Blue Shield. After 6 years of service, she moved to Aetna for the next 15 years as an Account Executive for both the large and small group market. In 2010, she returned to Anthem BCBS as a Senior Account Executive focusing on the large group market. In January of 2016, she moved to Better Benefits and focused on the voluntary market. Her entire insurance career has been working with the brokers throughout Maine and New England. She loves working with the employers to find solutions and with the employees to help educate them on their benefits. Debbie resides in North Yarmouth, Maine with her husband Dan and their 2 children.

Marketing Support

Heather Judkins

Manager Marketing & Support Services
Phone: 1 603-227-2011

Brenda Sweet

Client Services Specialist
Phone: 1 603-227-2014

Kelly Elkins

Client Services Specialist
Phone: 1 603-227-2012

Allison Walker

Client Services Specialist
Phone: 1 603-227-2015

Enrollment Services

Gretchen Johnson

Manager of Enrollment Services
Phone: 1 603-227-2018

Elizabeth Cornell

Enrollment Specialist
Phone: 1 603-227-2017

Administrative Services

Lisa Ouellette

Manager Flex Benefits & COBRA
Phone: 1 603-227-2021

Alison Rand

COBRA Analyst
Phone: 1 603-227-2026

Lynn Peringer

COBRA Analyst
Phone: 1 603-227-2024

Kathy Boulet

Flex Claims Analyst
Phone: 1 603-227-2043

Sheri Hoard

Flexible Benefits Coordinator
Phone: 1 603-227-2046

Lisa Blanchard

Flex Claims Analyst
Phone: 1 603-227-2044

Eunice Hill

Flexible Benefits Coordinator
Phone: 1 603-227-2045

Esther Thompson

Flexible Benefits Coordinator
Phone: 1 603-227-2047

Financial Services

Karen Lavoie

Financial Reporting Manager
Phone: 1 603-227-2031

Stephanie Richartz

Financial Reporting Specialist
Phone: 1 603-227-2034

Rachel Gilchrist

Accounting Specialist
Phone: 1 603-227-2013

You provide us, and all our employee’s with such great service. Thank you so much!
Missy P. - Benefits Coordinator
Thank each of you for the hard work for our mutual client….This VB transition was well thought out and well executed and I really appreciate your hard work over a period of weeks and months.  A lot goes into a carrier change, especially when it involves one on one education and this team made it as seamless as possible.
Kristen - Benefits Broker
I want you to let you know how much I appreciate the excellent service you provided.  On a day that you were scheduled to be out of work, you took my call to your cell phone regarding a distraught employee who realized she had been scammed and compromised her csONE debit card. You had the card cancelled within 5 minutes! Outstanding customer service once again. Many thanks!
Maura S. - Benefit Specialist
I would absolutely recommend csONE as a TPA for any District or employer. Having gone through a full year of working with a TPA that was unable to do the job successfully, csONE has been a true breath of fresh air and relief to the District as well as all our employees.
Amadee D. - District Manager
csONE is absolutely the best to work with! Great customer service. Kudos to your team.
Mardie W. - HR Manager
Wow, time flies when you are having fun. Seriously, this has been a wonderful transition for us and really appreciate all you have done to to turn a difficult situation into a positive one.
Gibson S. - Manager
I really appreciate help that csONE has provided us. I just shared at a staff meeting how helpful everyone has been, and how easy it has been to communicate with everyone! Thanks again!
Lisa C. - Manager
Our thanks to you and your crew for all the amazing work being done to get us up and running on short notice! It is very much appreciated.
Lisa C. - Manager
csONE service and competency is the best I have worked with. They are worth double the price paid to any other HRA provider. In my career, I have had to fire two other HRA providers mid-term for incompetency and csONE came to the rescue. With minimal stress they straightened out the past errors and made the process painless. I have one client who is offered free HRA services from an insurer and they insisted they stay with csONE.
Mike K. - Broker