About Us

Let’s talk about great health care, simplicity, savings, freedom and small to medium-sized business care health innovations. Let’s see how this midsize business health care alternative works and introduce you to the SB/A Cooperative, as brought to you by David Allen Capital (DAC).

Today’s health benefits landscape is more challenging than ever before. Companies of all sizes and types, from 1099 contractors up to medium size corporations are making the switch to add affordability, flexibility, and customizable health benefit options for themselves and their employees.

The SB/A Freedom Protect Plans are sponsored by the Small Business Agency Cooperative (SB/A CoOp).  The SB/A CoOp is a Non-Profit “Agency” health-care Cooperative Corporation that does not buy or sell products or services but acts as the “Legal Collective Agent” of all the Cooperative Members to facilitate advantageous contractual relationships for and between the members. The SB/A CoOp may legally “aggregate” self-employed individuals (working 16 hours or more per week) and small and large employers together without becoming a Multiple Employer Welfare Association (MEWA) or acting as a Multiple Employer Trust (MET).  We are not associated in any way with the "small business agency."  These plans are marketed by David Allen Capital (DAC) which has a suite of business and home services.


There are components that allow the Small Business Agency Cooperative to develop and sponsor The SB/A Freedom Protect Plans. ERISA is the Federal Law that sets the standards and regulates approximately 60% of private and public sector industry health care plans. Plans are ERISA compliant, Affordable Care Act (ACT / Obamacare) compliant and compliant with IRS.

The Small Business Agency (SB/A) as defined above, is a specific marketplace where employers and their employees, sole proprietorships, 1099 contractors, LLC’s, and direct sales distributors can become members and access the marketplace which offers small business health care Freedom Protect Plans.

The plan administrator is the bedrock and handles premiums and adjudicates claims; the prescription pharmacy, and the dental/vision are also important parts that make your healthcare plan function smoothly.

Free Market Administrators, LLC (FMA) is a privately owned third-party administrator that specializes in manufacturing of products to satisfy the complex world of health care in an ever-changing environment. We tailor Medical, Prescription, Dental, and Vision plans that are both dynamic and adaptable to meet the needs of our brokers and their customers. We are committed to creating value for our broad client base of both fully insured major medical and self-funded clients. FMA continues to be a critical measure for which we have maintained the highest performance standards within the industry. FMA remains focused on not only exceeding the highest ethical standards in the industry, while upholding the utmost integrity for our clients, but also redefining the way our clients look at the world of health care benefits.

SB/A CoOp has contracted the best partners. The plan administrator has negotiated low provider rates for hospitals, physicians, urgent care centers, and clinics throughout the USA. As of this site publication date of 05/09/2020, SB/A uses the largest private PPO network in the country!

Serve You Rx, your pharmacy plan pre-negotiates up to 80% of prescription drugs and your Careington Dental/Vision plan also negotiates its discounts on your behalf.

Featured DAC - SB/A Management Team Members

David Jones

SB/A CoOp President

David Jones has over 40 years experience in the medical benefit industry and is currently the Chief Executive Officer of the Small Business/Agency Cooperative, a non-profit cooperative corporation providing employer memberships to the nonprofit cooperative.

This allows all employers and their employees to own and participate in their own self-funded ERISA Medical Benefit Program. David Jones is a co-founder of  SB/A Cooperative, Inc. where he incorporated the Cooperative in the state of Colorado as well as initiating the memberships in all 50 states.

Prior to starting the SB/A Cooperative, Mr. Jones worked with Fortune 500 companies and did resolves of health medical benefits for people throughout the years. Working through multiple A+ major insurance companies designing and marketing numerous programs, Mr. Jones brought his healthcare and insurance wisdom to today’s marketplace.

Mr. Jones’ extensive, three decades of experience in direct sales and network marketing has played a very strong part in building teams. He has lead networkers and trained others to be financially successful and to learn how to become a successful independent business owner. Mr. Jones believes that if you love what you are doing and you believe in yourself, you will become successful by helping others to do the same.

Recognizing the need of truly affordable healthcare for business employers and their staff and having the same benefit available to the marketplace, Mr. Jones set out to create the medical benefit plans known today as The SB/A Freedom Plans while combining the power of network marketing to help tens of millions of people for which health care is a dream.

Family is of utmost importance to Mr. Jones, whether it be his own or yours, therefore he has never wavered in his commitment to develop medical benefit plans for all clients. He has also designed excellent and effective marketing programs.

Mr. Jones’ personal ethics and integrity is present and employed every time he extends himself to meet and exceed his clients’ needs.

Lew Emanuelson, CEBS, CLU, ChFC, REBC, RHU

Vice President of Business & Product Development

  • Three years as a Board Advisor and Board Member and assisted in the founding of the Small Business Agency Cooperative
  • Five years as Consulting Director as sales producer, contract negotiation and consultant for Pharmacy Benefit Management programs
  • Four years as Market Leader and Partner/Principal underwriting and selling stop-loss insurance to large employer benefit plans
  • Three plus years as Regional Vice President of Sales Account Management of a national insurance carrier
  • Eighteen years as a Health & Welfare Consultant, Client Manager, Practice Leader, Principal, and Sr. Vice President
  • Eleven years as Underwriting/Actuarial Manager and Vice President for the life, health, and disability insurance industry
  • Bachelor of Science, Graduated with a Degree in Finance, Northern Illinois University, (1978); HIAA Certification in 1980, Certified Employee Benefits Specialist (CEBS) Program, University of Pennsylvania, Wharton School – courses and exams completed with designation awarded in 1997; Completed the American Society of Pension Actuaries’ Pension Administrator’s Course (Parts A&B), William M. Mercer and Aon Sales Leadership Training; Completed the American College Registered Employee Benefit Consultant (REBC) and Registered Health Underwriter (RHU), Certified Life Underwriter (CLU), and Chartered Financial Consultant (ChFC) designation through the American College.

    Dr. Jan Leslie

    Chair of the Board

    Dr. Jan Leslie is on the Board of Directors of the SB/A CoOp, Inc., and currently serves as Vice President, Secretary-Treasurer, and Chair. She received both her Bachelor of Science and her Doctor of Veterinary Medicine from Colorado State University, and her Master of Public Health from the University of Tennessee. She is a retired veterinarian who practiced in private practice, the military, and the government for over 20 years. She served in the U.S. Army for 18-1/2 years and served in many assignments both stateside and overseas. She was the first female commander of an MTOE (a combat ready deployable force) unit south of the Alps in Europe. Dr. Leslie has extensive experience with human resources and logistics from managing many clinics, companies, and units. She has been licensed in Health and Life Insurance since 2016. Dr. Leslie and David Jones married in 2015 and together they take great pride in their family and spending time with them.

    Frank Carrannante 

    Director of Administrative Services

    Frank Carrannante serves as a Board of Director of the SB/A Cooperative Inc. and is currently Director of Administrative Services and Training/Education Instructor.

    Mr. Carrannante, a Licensed Insurance Producer in Life, Health, Accident since 2013, enjoys the role of Benefits Counselor while helping, educating, and supporting clients to make informed decisions about health care and employee benefits.

    With a Bachelor of Science in Business Management and a distinguished aviation career for over four decades, work and fun were not always distinguishable. As an experienced entrepreneur and co-founder of a regional scheduled freight cargo airline brings valuable administrative and operational experience to SB/A CoOp Inc.

    As a retired American Airlines Captain, Airline Transport Pilot, and FAA Check Airman, Mr. Carrannante possesses important skill sets in human resources, crew management, comprehensive analytical problem-solving skills, regulatory and compliance strength, and strong communication abilities.

    Mr. Carrannante is a Candidate – Member of the American Society of Appraisers, ASA/USPAP Certification for Machinery and Technical Specialties.

    Mr. Carrannante has two sons, Joseph – 29, and Michael – 23, both Eagle Scouts, and enjoys skiing, golf, and backpacking with them.

    As a previous Scoutmaster and Award of Merit recipient with Boy Scouts of America, Mr. Carrannante believes community service is important, and guiding young adults to become leaders and responsible citizens in life, was a gratifying experience.

    Sunita Sharma

    Vice President & Attorney at Law

    Sunita Sharma graduated from the University of Washington in Seattle, Washington in 1983 with a Bachelor of Arts in English. She received her law degree from the University of Denver College of Law in 1997. During her tenure at Denver University College of Law, Ms. Sharma served as a junior partner in the Lawyering Process Course taught at the University from 1995-1997. She was a staff member of the Preventative Law Journal and authored the article “Colorado’s Government Immunity Act – Employees Not so Immune,” published in the Spring 1997 issue.

    Ms. Sharma began her career as an Assistant City Attorney for the City of Greeley, Colorado, practicing as a criminal prosecutor and also handling both state and federal civil litigation cases. She has also served as an Assistant City Attorney for Loveland, Colorado, with an emphasis in administrative law, transactional work, and representation of boards and commissions at public hearings. Ms. Sharma has also practiced in the private sector with an emphasis in civil litigation, family law, personal injury, municipal law and estate planning.

    Ms. Sharma served as Municipal Judge for the Town of Gilcrest, Colorado, from 2005-2007; Assistant Municipal Judge for the City of Greeley from 2014-2017 and currently as the Deputy Municipal Judge for the Town of Berthoud. She has served as an adjunct instructor at the Institute of Business and Medical Careers. She is the former President of the Weld County Bar Association as well as the Byron White Inns of Court; She has served as a Commissioner in the 19th Judicial District Commission on Judicial Performance at the Weld County Juvenile Review Board. Ms. Sharma has additionally served as a Court Appointed Special Advocate for abused and neglected children, and as a board member of the Larimer County Bar Association. She currently serves as a Regional Coordinator of the Northern Colorado High School Mock Trial Tournament. In 2019, Ms. Sharma was appointed Chair of the Law Committee serving under the Colorado Supreme Court, as well as the representative for the state of Colorado on the National Multistate Professional Responsibilities Examination committee.

    Ms. Sharma currently practices in Berthoud, Colorado, serving Boulder, Larimer, and Weld Counties. Her primary areas of practice include corporate law, personal injury, family law, and estate planning.

    David Rutz

    Vice-President of Youngevity Global Services, President and Founder of David Allen Capital

    David Rutz brings more than 25 years of direct sales, network marketing and executive operations experience to Youngevity.  He is very excited about the small business care health innovation alternative.

    An inspirational leader with extensive experience in both direct sales and operations, David has led and trained a national sales organization; and as a corporate officer, David launched his own direct sales company, Escape International.

    During his 10 year tenure as President and CEO, of Escape, the company was recognized by Inc., Magazine as one of the fastest growing companies in North America.

    Mr. Rutz was also the Founder and President of a long-distance telephone and internet company (The Free Network) where he lead the growth and operations from startup to over 300,000 customers in under 3 years — using direct selling as the sole method of distribution.

    He is known for keeping service offerings simple to understand and promote allowing rapid growth and replication amongst distributors. Mr. Rutz's early business career included working as a Business Consultant with Andersen Consulting (Accenture) and as Financial Analyst with General Motors. A graduate of The University of Michigan Ross School Of Business, he received his degree in Business Administration with concentrations in Finance and Marketing.

    Shannon D. Smith

    Sales Agent, Internet Marketer, Website Builder

    David Allen Capital Agent in partnership with the SB/A. 

    Creator of this small business owner health care option website outreach.

    Graduate of TESST Technology College of Alexandria, Virginia with a Diploma in Office Computer Business Applications.

    CompTIA i-Web Design Certificate 

    10 years experience internet marketing and website building across several platforms.

    20 year Federal government service; Washington, D.C.

    Published author, accomplished songwriter

    U.S. Air Force Veteran, service disabled.