Getting the Most Value
from Your Plan

Ensuring your employee-benefit program makes the most of the funds you’ve designated is crucial. We will negotiate vigorously on your behalf, getting you the best possible deal on fees, premiums, and other expenses with insurers and other vendors. 

With your help, we will establish a comprehensive budget. Working within that budget, we will present creative alternatives to help you minimize expense, including alternative risk arrangements and employee-cost sharing approaches. All your options will be presented in a clear, concise fashion.

Our goal is to simplify complex funding arrangements. Once you’ve decided on an approach, we forecast budgets and outcomes. We partner with you to onboard the program and we monitor performance, adjusting where necessary.

Creating the Right Plan for You

What are your priorities for employee benefits? What is your risk tolerance? How important is plan flexibility? Long-term expense reduction?

Answering these and other questions is an integral part of our process and ongoing partnership with clients. Based on your unique situation, we will work with you to determine the right balance of:

  • Overall expense reduction
  • Risk tolerance
  • Predictable cash flow
  • Fiduciary considerations
  • Administrative and compliance implications

Knowing Your Options

You have a variety of options when it comes to plan funding. Our consultative approach focuses on helping you determine which one is right for you. Careful evaluation and yearly review are important in helping determine the right approach, impacting costs and your ability to reduce expenses.

As with all aspects of your plan, we will present your options to you in a clear, concise, and transparent way. Options include, but are not limited to:

  • Fully insured
  • Participating and non-participating contracts
  • Minimum and level funding
  • Re-insured captives
  • Self-insured with stop-loss insurance
  • Reference Based Pricing contracts