• Design Packages with customizable results
• Offer Tax Advantages to the business and employees
• Provide Employee Benefit booklets
• Communicate the value of the benefits all year round
• New Hire education and enrollments
• Efficient Open Enrollments with benefit specialists available for one on one consulting
• Assistance to employees in claims process
• Compliance Services
• Section 125 Plans

Level-funded also called Partially Self-Funded has been getting a lot of attention the past few years as most employers are seeing an average of a 20% reduction in premium costs.

These plans provide an attractive and innovative alternative to traditional health insurance solutions. The industries improved version at self-funding, level funded plans employers can budget for small, predictable claims-and use stop loss protection to protect their business from unpredictable catastrophic claims. This allows both the cost reduction in premiums, access to excess claims fund (if any) while adding the stop-loss on downside protection if claims are exceeded. Level-Funded can be practical and cost effective for groups with as few as 10 participating employees.

Reduced Fixed Costs – All health insurance plans have administrative costs associated with the payment of claims. A partially self-funded plan typically saves 20% on administrative costs over a traditional health insurance plan.

Improve  Cash Flow – Unlike traditional plans where you pay a premium that funds claims if and when they occur, claims under a partially self-funded plan are paid only when they occur. Rather than paying a set amount to an insurance company every month, you keep and earn interest on your money and only pay for actual claims submitted.

Customize Plan Flexibility – With a partially self-funding health plan, you have limitless options for designing the best possible plan for your business. Co-pays, coinsurance, deductibles, covered benefits, and excluded benefits can all be tailored to meet the needs of your employees with limited risk.

Claim Utilization Report –

Claim utilization reports identify claim trends specific to your group and allow you to better manage and control the costs of your benefit plan to budget effectively. limited risk.

Our staff of dedicated professionals specializes in providing retirement plan products, support services and consulting to organizations across the nation. The plan sponsor and advisor can choose from a platform of plan investment and/or plan administration services and select the ones that best meet their needs.

• Independence
  Ability to help evaluate funds and providers objectively, without a conflict of interest.
• Familiarity with ERISA
  Ability to keep the employer updated on litigation, legislation and regulations impacting plans and fiduciaries.
• Prudent expert
  ERISA section 404(a) requires fiduciaries to act with the skill, knowledge and expertise of a prudent expert.
• Expertise in plan design
  Ability to help plans maintain qualified status while continuing to meet the goals and objectives of the plan.
• Knowledge of the provider marketplace
  Ability to ensure that our plan is being administered in the most efficient manner and for a reasonable price.
• Qualified plan investment expertise
  Ability to evaluate, select and monitor fund performance.
• Documentation skills
  Ability to demonstrate procedural prudence in a well-documented manner.
• Communication skills
  Ability to educate employees regarding plan highlights, and how to create an appropriate investment strategy.
• Acceptance of role as a co-fiduciary
  Willingness to acknowledge in writing that we are a co-fiduciary to the plan with respect to the investment advice being
  delivered.
• Full and open disclosure
  Fully and openly discloses all sources of fees being received on a direct and/or indirect basis.