Who We Work With

We focus on employers that have over 30 employees to help them dramatically improve their employee benefits situation.  We control our client’s employee benefits costs, streamline their daily administration, improve their benefits, deal with Health Care Reform, act as an extension of their Human Resource department and make sure their employees, along with their families are all taken care of with a personal touch.

The companies, organizations, and firms we serve are based throughout the United States and work in a wide variety of industries such as:

• the legal profession
• Private Equity Firms
• manufacturing
• software design
• builders & contractors
• municipalities
• foundations and not-for-profits
• & more

They may have one location or several locations throughout the United States and have employees located throughout the world requiring coverage for their expatriate, host-country national and third country national (TCN) employees.

What all of these employers have in common is that they want to provide their employees with a quality employee benefits package to attract and retain the best workforce but are struggling to understand the implications of Health Care Reform and deal with the increasing costs and administration of providing benefits. They want a trusted employee benefits advisor to lay out a detailed employee benefits strategy and to oversee and handle the entire process so that they can focus on their core business.

Are Some of These Statements True for You?

• “Our rates keep going up by double-digits and all our broker comes up with is to reduce the benefits and pass the cost along to the employees.”
• “Our broker keeps inviting us to webinars and inundates us with Health Care Reform materials.  All I want to know is how this impacts us and what I need to do.”
• “We don’t have the time or resources to deal with claim and billing problems, let alone making sure we’re following all the rules we are supposed to.”
• “Our current brokers are kind of old school. They just shop our plans and don’t bring any new ideas to the table.”
• “We work with a large employee benefits firm and they don’t pay attention to us except when it’s time to renew our policies or when they want to sell us something.”
• “We call with a claim problem and we never hear back. We have to keep following up. Meanwhile, the employee is yelling at me because they are getting threatening letters for non-payment.”
• “Our broker is nowhere to be found.  We only deal with her account manager and customer service people.”
• “I’m sick of being charged for every paperclip and FedEx by our consultant. Where’s the value?”
• “The broker that came in and sold us was very impressive.  But once we agreed to go with him and his firm we were handed off to a junior account team.”

Now that you know the kind of clients we work with and some of their common problems you should…

Consider Working With Us If:

• You want quick and accurate answers to your questions and issues every time
• You want an advocate who performs detailed actuarial analysis and fights to guarantee your premiums are as low as possible
• You want to concentrate on strategic issues for the business instead of spending time and money dealing with compliance. claims and billing issues
• You want a benefits strategy with detailed plan analysis to control costs, not just a spreadsheet
• You want to be kept updated throughout the year- No surprises
• You want to control the cost of one of your largest expenses while providing the benefits you need to keep your employees happy and productive
• You want employees who understand how to use their benefits and appreciate what they have

Don’t Consider Working With Us If:

• You are only interested in a transactional relationship
• You are only interested in having someone shop the market and give you a spreadsheet
• You enjoy starting the renewal process at the last minute every year
• You only want to hear from your broker once or twice a year

In the past, simply shopping the market for the lowest employee group benefits rates was enough. In today’s rapidly changing business and HR compliance environment it’s important to stop and consider all of your company’s needs with regard to your employee group medical insurance.

Look through the Solutions section to get a quick primer on some of the employee benefits products that are available. It’s important to offer a well-rounded employee benefits package to help you compete for and retain quality employees. You can use Voluntary Benefits to fill in the holes and round out your employee benefits package. You’ll be providing the additional benefits employees want and desire and because they are employee-paid through payroll deduction you won’t be increasing your benefits costs.

The Services section will provide you with an eye-opening experience into the services and administrative support you should be receiving.