福利代理 & 政府

•  Negotiation of Contract Variables & 利率
  • Contract review of all plans proposed
  • Comparison of rates to current and proposed group products
  • Identify key components affecting rate increase/compare to market and current plans
  • 审查利用率数据
• Reconciliation of Billing 状态ments from all Benefit Providers
  • Assist with reconciliation of group products
  • 提供核对报表
  • Address issues impacting 招生 and/or collection of premium
• 政府 and Communication of all Benefit Plans
• Employee Benefit Advocacy Service for all Eligible Participants
• 眼镜蛇管理
• Limited access to Employee Navigator, our online 招生 tool

When it comes to employee benefits brokering, are you ready to say goodbye to multi-vendor relationships and hello to an efficient, cost-effective approach to running your business and securing competitive benefits package rates for your employees?

Offering great benefits can give an employer a competitive edge over other companies seeking to 吸引顶尖人才. 但是，在着陆之前 完善的福利待遇, companies first must find the right employee benefits broker.

好处 are likely to be one of a company’s largest expenses aside from payroll and finding the right representative to manage that money is no small task.

Here are some tips for choosing the best employee benefits broker for your business:

1. 早点出发. The best time to start the hiring process for a new employee benefits broker is right after renewal, when all the challenges from negotiating last year’s benefits package are still fresh. 至少, companies should start the search for their employee benefits broker six months ahead of open 招生.
2. 建立一个庞大的候选人库. There’s no shortage of employee benefits brokers, and companies shouldn’t limit themselves when scanning the field for options. By talking to several different brokers, employers can learn more about what services are out there and what may benefit their company.
3. 征求建议. It’s easy to find a list of brokers using the Society for 人力资源 Management (SHRM), but it’s much better to ask around for recommendations. 其他企业主, 人力资源经理, or board members are a good place to start when looking for a great recommendation.
4. Be thoughtful with the questionnaire. If your company chooses to go through an RFP or questionnaire process, choose questions that are tailored to the company’s specific needs. In addition to asking about the benefits themselves, companies should ask brokers about their customer service, 费用, 以及其他服务.
5. 每个公司都不一样. 位置很重要. If you are a Tennessee-based company, you should have a Tennessee-based employee benefits broker. Other considerations include company size and growth potential.

1. The broker should communicate and educate the client on their benefit offerings, as well as assist with the 招生 process for members.
2. The broker should act as a liaison for Wellness and Risk Management activities, as well as establish a relationship with applicable vendors.
3. The broker should provide Advocacy 服务 that assist all benefit-eligible and benefit-enrolled members with explanations of benefits, E的解释.O.B.’s, provide support for members with claims issues, 提供处方协助, and provide plan provisions and provider assistance.
4. The broker should offer COBRA and 125 plan administration, including COBRA notices and reconciliation of premiums received (at a separate fee).
5. The broker should assist in reconciliation of billing statements from all benefit providers.
6. The broker should market, review, analyze, and propose plans at renewal.
7. The broker should be knowledgeable and work with vendors to help ensure 合规 with PPACA.
8. The broker should provide access to an online benefits 招生 tool.

作为一个全方位服务的经纪人, LBMC就业伙伴 can provide companies with access to the most competitive benefits package rates available. Our full-service approach takes the burden of benefit selection, 招生, 教育, 合规 和管理 from our clients allowing them to focus on their business.

In case you weren’t aware of the full palette of services available from LBMC就业伙伴, here’s a breakdown of our brokering services to provide some clarity.

• Shop and quote medical, dental, vision, LTD, STD, Life, various supplemental and voluntary products
• Ongoing relationship with major benefit carriers
• Client plan offerings and 招生 教育
• Online 招生 platform at no additional cost

方案设计

• Provide design strategies to help meet coverage and financial goals
• ACA合规
• Coordination of other benefits, including HSA, FSA, and HRA accounts

政府

• Client will have a dedicated Account Manager
• Liaison between client and benefit carriers
• Day-to-day maintenance and back office administration
• Monthly premium invoice reconciliations for all coverages
• Participant advocacy and claim assistance at no additional cost
• COBRA administration, including the collection of payments at no additional cost
• 表格5500准备
• 计划文件准备

也使用LBMC EP的客户端 就业服务 will enjoy a seamless integration between payroll and benefits activity.

All content and services on this page are offered by LBMC就业伙伴, 有限责任公司. LBMC就业伙伴, 有限责任公司, is part of the LBMC Family of Companies and is an independent entity with services and products being provided exclusively by LBMC就业伙伴, 有限责任公司.