Employee Benefits Consultants
Plan Review/Design/Implementation, Cost Containment, Claims Administration
Insurance/Reinsurance, Government Filings, Management Reporting

As professionally licensed Independent Employee Benefits Consultants, we know that in today's competitive environment, employers must be concerned with providing a well-designed company benefits program able to attract and retain high-quality employees. However, current costs require careful planning in order to produce a strategy that is both manageable and cost-effective. We are particularly proud of our reputation for creating and implementing highly effective ideas and programs that help you to inform, motivate, and educate your most valuable asset — your employees. We provide:

Plan Design:
• Evaluation of current plan as it relates to your organization's goals and objectives
• Preparation of Employee Attitude Survey
• Constructive recommendations for management consideration

Cost Containment:
• Review your claim loss experience and current plan provisions
• Based on loss experience and your objectives, review alternative funding and plan designs, including:

• Managed care contracting and plan design features
• PPO/HMO/POS evaluation and demographic analysis

Claims Administration:
• Operational review of claims center operations
• Functional review of specific claims office responsibilities

• Including but not limited to customer service:

• Case management coordination
• Interaction with utilization review vendor
• Coordination of benefits and subrogation
• Claims audit and quality appraisal

Insurance/Reinsurance:
• Risk financing alternatives
• RFP Specification drafting and distribution
• Bid/Proposal Analysis
• Vendor selection assistance
• Contract review and negotiation
• Negotiation or coordination of renewals

Flexible Benefits:
• Evaluation of current plan design and administrative capabilities
• Recommend benefit options and minimum levels of protection
• Evaluation of administration
• Determine appropriate flex credits based on benefit choices
• Assist in the development and review of employee communication materials

Plan Document:
• Draft and amend Summary Plan Description (SPD) and Plan Document (PD)
• Coordinate SPD and PD production and distribution

Government Filings:
• Prepare and file Form 5500 and assist with other State/Federal filings

Management Reporting:
• Assess reports currently received
• Review report format and content for accuracy and usefulness
• Recommend reporting alternatives and improvements; assist in obtaining reports

Other Specialized Services:
• Rate and reserve analysis
• Defined contribution plans such as 401(k), 403(b) and 547
• Cash Flow and Claims Analysis reports
• Legal and litigation support/expert witness
• EB administration and departmental organization studies
• Analysis of new or special coverages
• Due Diligence Studies
• Forecasting and recommendations for mergers, acquisitions and divestitures
• Management education services