Beyond Employee Benefits

Successful owners know that exceptional employees fuel growth. Employee benefits are a way of attracting and retaining the kind of employee that reflects your vision and builds your business.

However, managing the options and containing the costs of employee benefits can be time-consuming and complicated. Integro makes employee benefits easier by negotiating the best rates for our clients; working closely with them to help manage the employee benefits program; providing compliance support and acting as a benefit advisor.

Let us help you plan, budget and communicate the value of your benefit program to your employees. Above all, we protect your interests by preventing small issues from becoming big and costly concerns.

Our Proven Process for Crafting an Effective Benefits Package

Integro’s seven-step process for designing and implementing a benefits package ensures we fully meet the needs of your company and employees.

  1. Identify your objectives.
  2. Review and evaluate your current benefits.
  3. Provide broad access to products and services.
  4. Analyze claim trends and recommend changes.
  5. Manage the renewal process.
  6. Assist in employee education.
  7. Assure legal compliance.

Whether your organization is a small business with only a few employees or a large multi-state company with complex offerings, Integro helps you manage the cost of your employee benefit plan and exceed your employees’ expectations of it.

Our innovative, strategic consulting services include:

  • Absence management and financial security planning
  • Aggressive cost management strategies
  • Compliance support
  • M&A assistance
  • Medical and disease management consulting
  • Pharmacy selection and support
  • Private equity firm support
  • Strategic planning
  • Senior care captives and solutions
  • Vendor selection assistance

An unbiased stance helps us survey the market to design and recommend the best solutions for your unique needs.

Our full range of actuarial services includes:

  • Financial projections, budgeting and monitoring
  • Plan design calculations
  • Employee contribution strategy
  • Reserve and Stop Loss calculations
  • International actuarial expertise

Integro is dedicated to helping our clients improve efficiencies and streamline administrative processes. We deliver integrated technology solutions that centralize data and reduce costly manual errors, helping you move your business forward. Our benefit administration services include:

  • Selection and implementation of Online Benefit Administration Platforms
  • Bill reconciliation services
  • FSA, HSA, HRA administration
  • Section 125 / POP Plan administration
  • COBRA administration

Our aggressive cost containment strategies and deliberate approach to managing your employee benefit plans moves your business forward by improving performance and increasing efficiency. Our services and offerings include:

  • Strategic placement of fully insured and self-insured medical plans
  • Consumer-driven health plan designs
  • Contribution strategy and designs
  • Custom benchmarking analysis
  • Dental, vision, life, disability and AD&D plans
  • Voluntary insurance benefit plans
  • Integrated disability management
  • Absence management services

We communicate the value of your benefits package through electronic and printed materials combined with employee meetings to educate your employees on how to best navigate the complexities of the healthcare world. Our services include:

  • Customized open enrollment materials
  • Healthcare reform communication
  • Bilingual account managers
  • Total compensation statements
  • Personalized employer microsites
  • Newsletters
  • Custom benchmarking analysis
  • On-demand video communication

Dedicated consultants work with you to develop a customized insurance and financial strategy. Our areas of expertise include:

  • Non-qualified plan consulting
  • Life insurance planning (estate planning, wealth transfer, business succession)
  • Disability income replacement
  • Long term care financing strategies
  • Personal retirement planning
  • Wealth management services

We make navigating the healthcare exchanges easy for your organization. Our services include:

  • Defined contribution strategy
  • Use of public/private exchanges
  • Analysis and proposals for competitive exchanges
  • Retiree exchange analysis and procurement
  • Custom design and implementation of employer marketplace

Our technology, services and advice help you simplify your payroll, benefits administration and human capital management. Services include:

  • HR technology consulting
  • Selection and implementation benefits administration platforms
  • Policy review and creation
  • Payroll vendor selection
  • HRIS vendor selection
  • Web-based compliance manager
  • Legal resources

Our consultants have the expertise needed to keep you informed and compliant with all aspects of the constantly evolving Affordable Care Act (ACA). We help you manage healthcare reform by:

  • Providing payroll and HRIS vendor interface for efficient reporting
  • Assisting with reporting and tracking requirements
  • Offering continuing education on regulations, requirements and penalties
  • Developing and advising on ‘pay or play’ scenarios
  • Developing strategic employee communication materials

We offer global benefit solutions for multi-national employers, expatriate employees and foreign employers with operations in the U.S. In addition to translation services, we provide help to navigate:

  • Expatriate employee risk insurances and retirement plans
  • International medical, dental and travel plans
  • International benchmarking data and local country profiles
  • International employee benefits programs for local employees
  • Multi-national pooling of group risk insurance
  • International actuarial expertise
  • Assistance with overseas startups

Our extensive suite of retirement plan consulting services includes defined contribution, defined benefit, and non-qualified deferred compensation plans. We educate and prepare plan participants for retirement readiness through four means:

  • Annual vendor benchmarking reviews of fees and services
  • Customized plan participant education and targeted communications
  • Fiduciary fitness program for plan sponsors
  • Investment due diligence

With a focus on individual accountability and preventative care, we develop customized wellness solutions that enhance employees’ ability to live healthier lives while improving the overall health of your bottom line. Our proprietary Proactive Plan Management model uses population-specific data to reveal and change the underlying causes of unhealthy behavior. Our wellness services include:

  • Encouraging employee and member responsibility and involvement
  • Leveraging carrier dollars and resources
  • Data analysis to measure impact of wellness strategies
  • ROI indicators
  • Claim experience analysis
  • Online health screening tools
  • Health risk assessments
  • Online health screening
  • Wellness coaching

Let’s start a conversation.

Whether you oversee benefits for a small business, midsize company, national or multinational corporation, Integro is your Benefit Plan Advisor. Let us show you how to turn benefits from a risk into a performance driver. Contact us today. Contact Integro today to start a conversation about your business.