SERVICES TO CLIENTS

Ø Assimilation of all current employee benefit programs including, but not limited to, Medical, Dental, Vision, Life, Disability, and Long-Term Care programs
Ø Flexible Spending Pre-Tax Administration, including HSA, HRA and 132 programs
Ø Cobra Administration, including Premium Collection and Reconciliation
Ø International Insurance
Ø Design and administration of Qualified Retirement Plans, including all forms of Profit-Sharing, Defined-Benefit, 401(k) and Safe Harbor 401(k) Plans
Ø Design and implementation of Executive Benefit Programs, including Non-Qualified Deferred Compensation, Section 162 Bonus and Split-Dollar Plans
Ø Estate Tax Planning and Business Succession Planning
Ø Financial Planning, including Wealth Accumulation and Distribution Strategies
Ø Proposal preparation and complete market review of all major insurance carriers for the particular line of business.  We focus on the carrier’s ability to provide a quality management support team, technological sophistication, financial stability and creative underwriting
Ø Review, qualify and quantify all bids received.  A complete summary report is provided
Ø Coordinate the implementation of any recommended changes, including employee education meetings and written communication materials    
Ø Negotiate all insurance carrier contracts
Ø Complete review of human resource procedures and policies to ensure proper compliance

 ON GOING VALUE-ADDED BENEFITS:

Ø Assist in assuring plan compliance with IRS, DOL, Federal and State regulations
Ø Notification of new legislation and analysis of the potential impact on your business
Ø Monitor the marketplace to determine changing trends and new product introduction
Ø Customer service advocate providing access to dedicated service teams, specifically designed for brokered clients
Ø Processing of all enrollment transactions
Ø Dedicated account management team, providing one point of contact
Ø Continuous interface with all carriers to ensure satisfactory responsiveness regarding claims, billing, customer service and procedural/plan issues
Ø Perform annual market analysis to evaluate the competitiveness of your current program
Ø Provide welcome packets for new employees and exit packages, including COBRA information, to departing employees
Ø Provide detailed quarterly review of claim activity
Ø Prepare annual statement of benefits to help illustrate the value of employee benefits provided by the employer

20 BLAKE AVENUE • LYNBROOK, NY • 11563-2506
PHONE: (516) 599-2120 • FAX: (516) 599-3135