American Brewery Insurance provides group medical, dental, vision, life, disability insurance and wellness programs to businesses in Charlotte, Asheville, Greensboro, Wilmington, Columbia, Greenville, Charleston, and surrounding areas.
A competitive employee benefits package could be the difference in hiring and retaining your best employees. We believe that retaining a positive and motivated staff is vital to an organization's success, and one of the larger tasks HR professionals must deal with. Unusually high Employee turnover reduces morale, not to mention that it also has a financial impact on a company. Implementing a competitive employee benefits package is an effective way of ensuring that valued employees remain employed and productive. American Brewery Insurance knows how important it is to put together a competitive and cost effective employee benefits program that focuses in on retention, to protect the most valuable asset of your business – your employees.
Employee Benefits Plan Design
One size doesn’t necessarily fit all when it comes to what an employee benefits package should look like. At Risk Solutions Inc. we review your existing employee benefits package, determine exactly what goals are to be achieved, review market trends of other similar companies and develop a plan design that is not only cost effective, but also an important employee retention tool.
Our experienced staff works closely with numerous carriers to ensure that our client’s get the “Best and Last” offers on premium rates at plan inception and renewal time. Before we approach the carriers to negotiate a renewal, we first analyze claims data, identify demographic changes and utilize industry trends to ensure that when we begin to negotiate with the carrier, they know we’ve done our homework, and they offer our clients the best rates that can be offered.
We visit with our clients at least 4 times a benefit year to be sure that we are informed and aware of any issues, needs or resources our clients may require. We schedule yearly Strategic Planning Meetings with our clients to keep them informed on upcoming carrier trends, changes in legislation that directly and indirectly impact them, and to stay ahead of the curve so that everyone is surprised at renewal time.
With the incredible amount legislative changes that have impacted small and mid-size employer groups, from PPACA (Obamacare) to IRS reporting requirements, it can be a herculean task just to keep up. That’s where Risk Solutions Inc. surpasses most of our competition. We keep up to date on changes in the Healthcare Reform laws that inevitably impact our clients, and we educate or clients on how these changes will impact them as a business as well as the impact these changes have on employees.