Managing Benefit Plans

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  We save you and your staff time.  Instead of making multiple calls to different brokers, insurance companies or other providers, you only need to make one call - to our firm.
  
  
   
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  We reduce your risk.  When we manage your employee benefit program, we can identify potential problems before they occur.
  
  
   
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  We increase employee awareness and appreciation of employer's benefit dollars.  Often we present the benefits the employer provides in such a way that is easy to understand and promote, thereby increasing employee satisfaction.
  
  
   
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  We provide you the critical information that allows you to make timely decisions.  While we do analyze benefits and costs, we focus on providing benefit solutions that fit your goals and objectives, not the providers.
  
  
   
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  We avoid duplication and benefit gaps.  Having access and management of our clients' benefit plans, we can dave money and/or improve benefits by coordinating coverages and providers to provide the biggest "bang" for the benefit dollar.
  
  
   
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  It costs no more to work with us than to go "direct".
  
  
   

Managing Your Retirement Plan

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  We create a Plan Design.  Focusing on goals of the corporation: tax shelter, wealth accumulation, benefits to owners, benefits to key level employees or benefits to all employees - plan design is the single most important step.
  
  
   
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  We conduct vendor searches.  Requirements: online statements, daily valuations, asset allocation models, risk assessment questionnaires, multi-finds platform (with no heavy emphasis or requirements for "in-house" funds), covering the "style boxes", clarifying investment charges, variable asset charges, costs for administration of bundled and non-bundled plans, surrender charges, minimum cash flow requirements (especially for start-up and small company plans), and enrollment kits containing participant education materials.
  
  
   
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  We conduct initial and ongoing enrollment and education meetings with employees. No matter how many fund options you have, how rich the company match is, or how low the fees are - if employees do not understand how the plan works, or what it can do for them, they will not appreciate or participate in the plan. You must educate, communicate, and replicate the info constantly.
   
  
  
   
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  We are available to answer participant questions throughout the year. We do not send your employees to "Charlotte" to get help, and we do not want you or your managers to have to advise them.
  
  
   
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  We will have annual meetings with the active Trustee(s).
  As the fiduciary for your plan, you as owner and/or trustee must review your plan each year, evaluating fund options, fees and performance; management fees and plan expenses; and plan design and administration.
  
  
   
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  We will assist in obtaining an investment policy statement. Employers with retirement plans must be able to provide a written statement that addresses the what,who,how, why and how much of plan investment options and fees.
  
  
   
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  We provide "one call" service for management by interfacing with the vendors/providers. You and your managers have a business to run; let us do the ground work for you.
  
  
   
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  We keep Trustee and Management abreast of changes affecting plans. Aside from salaries and other forms of cash compensation, benefit plans are a big expense for the business, and retirement plans are the most complicated and regulated of all forms of benefits. We will keep you informed of plan design options and government-required changes that are important to you and your business.