Employee Benefits

Whether you manage a small business, a non-profit organization, or a large national or multinational company you need a benefits program that meets the unique needs of you and your employees. Regardless of size, your workforce challenges are complex and varied–they may include balancing financial pressures, managing legal risks, fostering a healthy workforce, or recruiting and retaining key staff. We don’t believe in one-size-fits-all approaches so we offer a range of services and products. We’ll treat each engagement as a long-term partnership to help you invest in the right total-rewards benefits solution.

Whether you manage a small business, a non-profit organization, or a large national or multinational company you need a benefits program that meets the unique needs of you and your employees. Regardless of size, your workforce challenges are complex and varied–they may include balancing financial pressures, managing legal risks, fostering a healthy workforce, or recruiting and retaining key staff. We don’t believe in one-size-fits-all approaches so we offer a range of services and products. We’ll treat each engagement as a long-term partnership to help you invest in the right total-rewards benefits solution.

What We Offer

Employee Benefit Services

  • Analysis and Cost Control
  • Program Design, Negotiation, and Placement
  • Compliance
  • Employee Communications
  • Health and Wellness
  • Administration and Technology

Employee Benefit Products

  • Medical
  • Dental
  • Vision
  • AD&D
  • Voluntary Benefits

Analysis and Cost Control

The Solution You Want at the Price You Deserve

Our myriad data-analytical tools and resources are typically included as part of your core services to help you estimate costs so you can make the most informed decisions possible. We’ll help you balance your employees’ needs with your own capabilities, budget, and bottom line so you get the plan you need—with a focus on cost control both now and in the future.

We’ll identify claim trends and cost drivers, forecast trends in healthcare costs, and analyze plan design and funding alternatives with reliability and certainty. Rather than relying on self-reported survey results, we have real-time analytical tools to benchmark your programs which enable us to measure the competitiveness of your current benefit programs, provide supporting data to make recommendations and decisions, and evaluate and analyze your claim costs and plan utilization against industry norms.

Our extensive library of employee surveys provides insight into employee satisfaction, desired employee-benefits plans, and overall satisfaction with employment. We customize these surveys according to our clients and proliferate them in various forms: via paper, email, and/or the web. Plus, we do all of the legwork and data input, so you won’t have to. Once we help you understand how your cost and utilization metrics compare, we’ll continue to measure and benchmark these metrics over time to evaluate and adjust strategies as needed.

Program Design, Negotiation, and Placement

Set Goals, Target Objectives, and Success Factors for Renewal

The program placement process begins with a strategic planning session to review the healthcare insurance environment and industry trends.

In addition, we analyze the following:

  • Claim experience, utilization, and trends
  • Current plan performance metrics against industry benchmarks
  • The current plan financial structure
  • Satisfaction with current program carriers and vendors
  • Existing carriers

For Program Marketing and Implementation, we follow the following steps:

  • Carrier selection
  • Underwriting specifications
  • Negotiation
  • Renewal Presentation
  • Placement, Communications, and Open Enrollment

Compliance

Complexity and Proactivity Intersected

As your partner, we’ll strive to be a leader when it comes to updating you, not just on regulatory and legislative issues, but also on any relevant topic applicable to you or your employees, shareholders, or other key constituents. Our in-house legal team will provide you compliance advice and updates on legal issues relevant to your business and we have strategic partnerships with outside counsel to provide additional legal compliance solutions as needed. We’ll also be proactive in informing you of the latest industry trends and human-resources-related issues any that come along.

We can assist you in the following key tasks:

  • Responding to national healthcare-reform legislation, the Affordable Care Act, and the ongoing stream of administrative guidance that is being issued virtually every week to ensure compliance
  • Designing, documenting, operating, and consulting for all types of ERISA and non-ERISA health and welfare plans (e.g., group health & disability, cafeteria, flexible-spending arrangements, insurance, employee-assistance, and severance plans)
  • Managing HIPAA, FMLA, and COBRA
  • Complying with reporting and disclosure requirements, including the drafting and filing of Form 5500s

Employee Communications

Personal, Dynamic and Timely

It’s critical that your plan members be provided with information and resources in an effective and timely way. Our in-house communications strategists, research specialists, writers, designers, and project managers create research-based, results-oriented, and dynamic collateral aimed to effectively engage your employees and encourage positive behavioral change. Regardless of the communication method(s) you choose, we have the experience and expertise to create high-quality benefits communications for your employees.

Our full-service communication capabilities include the following services:

  • Developing communications and brand strategy for HR and benefits related collateral
  • Writing, designing, and producing culture-changing employee communications
  • Drafting of compliance communications including SPDs, SBCs, and requirement plan notifications
  • Creating and incorporating brand-specific graphic design into your HR and benefits communications
  • Scripting and producing communications for open enrollments, new-hire orientations, and recruiting
  • Translating communication pieces into multiple languages, as needed
  • Developing and implementing our web-based portal for plan enrollment

Health and Wellness

Innovative Solutions that Provide Enhanced Care

The traditional strategies of raising employee contributions, switching plan designs, or swapping vendors to manage benefits costs are being expanded to include more advanced, interconnected approaches, such as focusing on higher-cost populations, maintaining a healthy workforce, and encouraging changes in employee behavior. Achieving these objectives requires establishing a series of short-, mid-, and long-term goals and benchmarks, which should evolve with time. Our suite of health-and-wellness programs addresses the entire continuum of an employee’s potential emotional and physical issues holistically to help provide them the tools and resources necessary to achieve their goals.

We consult with our clients on the following efforts:

  • Developing comprehensive wellness programs designed to encourage healthy behaviors
  • Engaging employees and their family members in managing their health and related finances
  • Rewarding employees for adopting certain behaviors (e.g., enrollment in a weight-loss clinic, participation in care-management programs, etc.) in the form of reduced employee contributions or improved benefits
  • Redefining medical expenses covered by the plan and the extent to which they’re covered (e.g., the increasing prevalence of a “lifestyle” drug tier with higher employee cost sharing)

Administration and Technology

Convenience, Time Saving, Accuracy, and Peace of Mind

Managing benefits programs is a monumental and time-intensive task that can quickly become burdensome, costly and lead to a buildup of inaccurate data. Our integrated system of consultative support, combined with the latest technology tools and resources, helps you reduce administrative tasks while connecting your carriers, payroll solutions, and third parties. Our capacity to handle virtually any benefits-related matter—coupled with our depth of understanding of human resources and laws and regulations related to healthcare delivery—extends to any size or type of employer in any location. Partnering with us is like having your own benefits administrator on your team.

Listed below are some of the ways we can streamline your benefits administration:

  • Real-time access to benefit information
  • Employee self-service portals
  • Employee communications tools
  • Resource library
  • Eligibility tracking
  • Payroll/carrier integration
  • List bill consolidation and audit services
  • Hidden paycheck
  • Online security
  • Gatekeeper authority
  • ACA support
  • Online Enrollment
  • Open Enrollment
  • Consolidated billing
  • Online HR management
  • COBRA management
  • FMLA management
Navigating policy issues related to your employees can be complex. Let me know how I can help.

Tuan Nguyen

Vice President, Western Region Benefits

(925) 322-6441