Modern benefits packages, affordably priced.
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Our consultative approach to employee benefit services and insurance is clear, empowering, and non-confrontational. As an independent insurance agency, we will have your interests in mind. We assist you in building a benefits package to help recruit and retain key employees.
We live in a new world of employee benefits. Understand current strategies and trends for plan design and cost containment.
Today, there is no single formula for benefit plans. Industry standards still exist and we provide benchmark comparisons as part of our employee benefit services, but businesses today are thinking outside the traditional structure to determine how best to match employee desire, company culture, and budget. We listen to you, strive to understand your business and benefit needs, and help you develop a strategy to meet them.
Centralize, organize, and streamline benefits administration.
As a part of our employee benefit services package, each client is assigned a dedicated account manager to aid and advise regarding any benefits or HR matter. You will have their email and a phone number that rings right on their desk. We do not operate a call center. Your account manager will take responsibility for enrollments, changes, and terminations. They will help with claims, billing, or benefits questions and provide forms, documents, and education materials. They will guide you through the renewal process each year, and train you in using the benefits administration portal.
Benefits packages are a partnership between employers and employees. Employers want them to be understood and be appreciated for the significant value they represent. Our employee benefit services include education which not only communicates worth, but increases utilization.
Our employee benefit services package includes access to a live helpline along with an entire HR and benefits library.
IRS, DOLopens PDF file , ERISA, ACA, COBRA, HIPAA, FMLA, ADA, GINA, Medicare…keeping track of current regulations is a challenge. Rules change frequently and our clients increasingly express concern regarding this. Maintain legal compliance with our BenAdmin platform and entire suite of tools, resources, and services.
COBRA AdministrationA complicated and laborious process. We provide you with a comprehensive third party service package to keep you compliant. Our BenAdmin platform will automatically trigger required notices to new enrollees and terminated employees alike. All services are passed to our clients at no cost.
Benefits NoticesAutomate required notices that arise throughout the year. Access a complete bundle of announcements and a calendar for timely distribution. Required notices will vary depending on business size, state, industry, etc.
Plan DocumentsAny business using an ERISA Health and Welfare plan is required to distribute Summary Plan Descriptions (SPD’s) to employees. A carrier plan will not meet this requirement. Benefit plan audits are increasing and a best practice to avoid liability is to implement a Wrap SPD to supplement insurance plan booklets. We guide our clients to a legal resource that can provide such documentation.
ReportingAffordable Care Act reporting for Applicable Large Employers (ALEs), and 5500 reporting for plans having 100 or more subscribers represent critical reporting requirements. Bankers provides resources to ensure compliance with ACA and 5500 reporting.
