Strategic Benefits Planning

Your employee benefits program is a top five budget item. No matter how many employees you have, you need a multi-year strategy to help you manage an expense that is so important.

Let's work together to create a benefit plan that will:

  • evolve with your organization.
  • ensure compliance.
  • increase employee engagement.
  • save you money.

Employee Benefits Funding Strategies

Fully-insured, self-funded, consumer-driven, or cafeteria plan? How will you proceed?

Let's evaluate your funding strategies to make sure they're affordable and that you're avoiding penalties. A change in funding strategy could yield meaningful plan cost savings—but those savings may also require you to take on greater risk. Our analytics and underwriting team will analyze historical claims and benefits utilization, as well as plan-related financial data to estimate future costs and appropriate funding levels.

Employee Benefits Contribution Strategies

How will you approach the employer shared responsibility in the ACA era? Is a defined benefits strategy the best way to balance your employees' needs against rising healthcare costs? Will you look at a defined contribution strategy to expand employee choices while managing plan cost? Or is the right contribution strategy for your company and your employees somewhere in between?

Contact a HUB advisor to learn more about the spectrum of employee benefits contribution strategies and find the one that is right for your business. It's part of the strategic planning process that delivers your optimized employee benefits solution.

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Employee Benefits

Our experts specialize in the full range of employee benefits plans: medical, disability, dental, vision, life and more, for groups and individuals.

You'll have access to the products and services of a global brokerage delivered with a local touch. And because we serve both large and mid-sized companies, we can craft a benefits solutions that is scoped, scaled and tailored to meet your needs precisely.

Group Medical Benefits

HUB offers you access to and expert knowledge of the group medical plans offered by a wide range of national and regional carriers and healthcare networks. We'll help you optimize your benefits spend by:

  • assessing an appropriate level of risk
  • reviewing consumerism/employee utilization of benefits
  • incorporating opportunities for communication, and
  • developing wellness programs.

Ancillary Benefits

Ancillary benefits are a great way to support your talent recruiting and retention goals in a very competitive market. By leveraging group life insurance, accidental death & dismemberment insurance, dental and vision coverage, you can differentiate your business for prospective employees.

These benefits can be employer funded or offered on a voluntary basis. Your HUB advisor will work with you to put together an ancillary benefits strategy that meets your goals.

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HR Technology and Benefits Administration

HR technology is always changing and staying on top of emerging services and solutions is a challenge for most HR professionals. You need an advisor to help you identify the HR technology solution that best fits your culture, budget and business objectives.

We continually evaluate new and existing providers to ensure we recommend the right solutions for our clients. Learn how we can help you streamline your day-to-day tasks, improve your enrollment experience and ensure compliance with ACA reporting requirements.

Learn more about HR technology and benefit administration solutions.