Insurance Products Offered

All Group Lines - Life, Voluntary Life, Health, Dental, Disability, Vision, Worksite (Aflac), Legal, etc.

All Property Lines  - Workers Comp, Product Liability, General Liability, Bonds, Hazard Coverage, etc.

Self Insurance Administration In House with national networks

Premier Broker with all carriers - quality service and the best rates available

Ancilliary Services In Conjunction With Group Plans

In House Admininstration of Flex Plan With Debit Card, including Documents -

     Flex Administration includes Medical Reimbursement, Dependent Reimbursement, Adoption Plan, Transportation

In House Administration of HRA and HSA Plans with Debit Card, including Documents

419 Plan (VEBA) In House Administration with Documents and Actuarial Services

Complete HR back office System Administered In House (Source Code - In House Programmers)

Normal Renewal Process

90 Days Prior - Census is retrieved directly from the HR back office and sent to all prospective carriers

Current Carrier is requested to send their renewal package

75 Days Prior, review renewal with client and review a Benchmark report - changes in the industry - trends - options

60 Days Prior, review all competing options with client with recommendations

45 Days Prior, bring final rates and benefit options back after negotiations with the preferred carrier

Review Scripts for the Enrollment Videos

Record Company Announcement Video Featuring Management Spokesman

30 Days Prior, Begin Enrollment Process (Self Service Announcement) with laptops at each location and the Mobile Media Bus

10 Days Out, Close Enrollment, send Benefit Confirmation Mailers To employees

6 Days Out, Close Enrollment, send Carrier Files and Payroll Files

1 Day Out, Deliver Carrier Cards and Debit Cards to the Employees, Announce the Plans Through the HR System

Benefits to the Employees and Employer

Pre-populated Enrollment Forms

   all forms are customized with demographic information (name, ssn, address, etc.)

   all forms are available through the benefit website and are pre-populated for digital signature

All Forms in Multiple Languages, including English, Spanish, Vietnamese

Custom Videos for Each Benefit Prepared In House

   also available on employee website portal for future availability and reference and new hires

Custom Benefit Summary Booklets in multiple languages

On-site Enrollment Meetings at each location

Mobile Media Lab

   40 foot mobile media bus equipped with internet and media equipment for on site employee meetings

Custom Interactive Website Enrollment

Benefit Confirmation Mailer for each employee prior to close of enrollment

   payroll stuffer allowing employees to confirm each enrolled benefit with time to make changes

Deliver Employee Insurance Cards

Summary Plan Description's in print and on your Benefit Web-Site (multiple languages)

Monthly New Hire Enrollment with Custom Preprinted Material For Each Employee (multiple languages)

One Toll Free Number for employees to call for all benefit questions

Employee Website Portal

   connects employees to Human Resources allowing employees to make demographic,

   benefit and account changes at any time

   total compensation diagram allowing employees access to additional

   personal benefits provided by client - site is interactive

Procedure Manual for Each Benefit provided to HR

Electronic Carrier Enrollment File Transmission

   electronic file delivered to HR completed with all deductions per enrolled employee to be imported to payroll

All claims responded to by broker, freeing up time for HR Dept to deal with other issues

Health and Dependent Reimbursement Plans Administered In House

   Flexible Spending Account offered through a debit card fully loaded with employees election at time of enrollment

Health Reimbursement Plans Administered By Debit Card and Administered In House

Health Fairs in the Fall, Including Flu Shots - Mobile Media Bus - Carrier Cost Participation

Completion of All Required 5500's and Summary Annual Reports In House

HR Back Office System Without Cost

New Hire Web Portal Including Automatic Background Check

New Hire Forms Package

New Hire Benefit Enrollment On Line

Equipment Tracking

Time and Attendance System

Employee Self Service Portal - Address Changes, Beneficiary Changes, Emergency Contacts, Time Off Requests, etc.

Eighty HR training videos - sexual harrassment, how to lift, etc.

On Line Performance Reviews

Employee Total Compensation Reports Including Cost of Employer Paid Benefits

Consolidated Group Billing Reconciliation

Electroninc Carrier File Updates For Changes

Payroll Interface for Deduction Updates

Termination Module Including Cobra Administrator Contact

Dozens of Reports all exportable to Excel

Custom Report Tool

Full HR referrence system with answers to all questions and access to our HR attorney for overview advice

Policy and Procedure Manual Review and Update annually with guidance for law changes and state requirements

Numerous Other Features and The System Can Be Customized

Other Services Beyond Group Plans

Pension Actuaries - In House Daily Valuation of 401(k) Plans with access to 8,000 no-load funds

Preparation of an Investment Policy Statement and running an Investment Committee to select Plan Investments

Retirement Plan Documents, Compliance, Testing and Government Reporting In House

Non Qualified Deferred Compensation For Executives In House Administration - Web Based

Investment Seminars for 401(k) Participants

Wellness Coaching by In House Staff

Full Payroll Services In House, including tax deposits, W-2 and 1099 processing and all quarterly reporting

Financial Planning For Employees

Estate Planning Reports For Owners and Executives

Executive Compensation Planning, including Salary Benchmarks from Watson Wyatt

Investment Banking for Business Succession Including ESOP Plan Design and Administration

Invesment Advice For Executives - Including Personal and Pension Assets

Risk Planning For Employees Using Company Plans and Private Plan Supplements

Cobra Administration In House