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Benefits Consulting.

Our goal is to develop a program that works for you. Our agency has a number of proprietary ideas and strategies that we have successfully implemented for our clients.


Our Benefits Consulting Services include:

  • Short- and long-term strategic planning
  • Review of cost and utilization to identify cost drivers and optimize benefit levels
  • Advising on employee contribution approaches and financial modeling
  • Plan document and employee communications review
  • Employee engagement strategies and communications


Once we understand your needs, we effectively customize the right benefit levels and negotiate the lowest possible cost based on our expertise with the complexities of rate calculations, drawn on by years of experience in underwriting. Our knowledge coupled with our respected reputation within the carrier community gives us and therefore our clients, an unparalleled advantage.


While our analysis is complex, our process is simple and effective:

  • Examine the claims data and generate our own comprehensive underwriting analysis
  • Review the carrier’s underwriting formula and identify areas and/or factors that might not be in line with the market
  • Obtain and compare competitive proposals from other insurance companies with emphasis on benefit levels, network adequacy, rate calculations, administrative fees, trend, pooling costs, capitation expenses, and retention factors
  • Identify the best solutions and negotiate the most cost effective rates for our clients


By offering a full suite of consulting services, our team can help you derive maximum value from your benefit programs today, while preparing you for what lies ahead.