Fred Brown & Companies offers consultancy services providing strategic benefit planning, design, funding, administration and communication with respect to your employee benefit program. Our industry professionals have superior knowledge and expertise in assisting employers with designing and servicing their benefit offerings.

Scope of Services Provided by Consultant

Our consultancy agreement typically offers clients the consulting, actuarial and brokerage services listed below:











Renewal Services

Strategic Services

Enrollment

Employee Communication

Legislative Compliance

Human Resources

OSHA Compliance

Employee Safety Manual

Fleet Safety

Employment Law Compliance

Return to Work Program

Business Continuity Program

Safety Meeting Materials

Total Cost of Risk Assessments

OUR SERVICE BENEFIT FOR YOU
Underwriting analysis of renewal Accurate and verified premium prices, plan specification and eligibility data.
Creating actuarial rates Appropriate rates created based on your claims history.
Claims analysis to isolate problematic areas during a single period Cost and utilization data benchmarked against nationally recognized norms to compare performance with others in the field for a single period.
Claims analysis to isolate problematic areas for the year Cost and utilization data benchmarked against nationally recognized norms to compare performance with others in the field.
Interpretation of claims analysis and development of action plan Interpret the claims analysis and develop an action plan including benefit plan design, communication and disease management recommendations, etc.
Mid-year renewal Better budgeting and forecasting.
Insurance carrier contract renewal Negotiated reductions in rates and plan alternatives from carriers.
Carrier evaluation Best carriers, provider networks on a regional and national basis, based on financial stability, quotes from existing and new carriers and unique company needs.
Voluntary needs analysis and market study Best carriers and plans for your unique needs, benchmarking with voluntary benefits nationwide.
RFP creation Complete evaluation of benefit plans and market study.
Plan Design Modeling Informed plan recommendations through experimentation with potential options through proven actuarial factors.
Ancillary lines of coverage renewal Appropriate ancillary coverage and hassle-free renewal.

OUR SERVICE BENEFIT FOR YOU
Employee questionnaire Accurate picture of employees’ needs and priorities through implementation of an extensive questionnaire.
Creation of employee benefits strategic plan Creation of plan identifying critical areas and recommended actions.
Benchmark plan design for comparison Compare your current plan design to normative benchmarks given your region, plan type, group size and industry.
New employee administration Fully managed benefit enrollment communication to carrier regarding new employees.
Ongoing service with carrier Resolutions of claims issues, ongoing administration and communication of claims, case approvals through work with underwriters and carriers – quickly resolved problems and managed outcomes.

OUR SERVICE BENEFIT FOR YOU
Employee plan selector module Employee satisfaction with benefits through advanced tools that assist in selecting appropriate plan types based on needs.
Employee enrollment meetings Custom administration options for enrollment.
Collection and review of enrollment materials Reduced administrative time, better efficiency, ensured accuracy.
Enrollment communication to carrier Aid in completion of carrier applications and supplemental information as required, including support in the completion of applications, contracts, checks and collection of enrollment materials
Retirement plan administration Extensive information on the nuances and obligations of administering a retirement plan.
Enrollment communication campaign Materials for easy communication of benefit plan specifics and various options, including consumer-driven health plans.

OUR SERVICE BENEFIT FOR YOU
Employee newsletters Monthly newsletters promoting wellness programs and healthy living.
Benefits education campaign Materials for employee benefits education, promoting smart benefits use.
Employee benefit statements Improved morale and appreciation of benefits package with statements that educate employees about their “hidden paycheck.”
Wellness campaign Help with design and implementation of an employee wellness campaign.
Social Media Consulting Help creating strategy and implementing a social media presence.

OUR SERVICE BENEFIT FOR YOU
Health Care Reform Up-to-date information on legislative developments, easy-to-understand explanations of what they mean to you.
Health Care Reform Penalty Modeling An estimate of the potential shared responsibility penalties your organization could incur under health care reform.
COBRA Extensive guides to compliance, employee communications.
HIPAA Extensive guides to compliance, employee communications.
FMLA Extensive guides to compliance, employee communications.
Section 125 Extensive guides to compliance, employee communications.
Medicare Part D Extensive guides to compliance, employee communications.
Additional employment law compliance CHIPRA, GINA, EEOC, ADA, etc.
Customized plan documents and summary plan descriptions Required ERISA-compliant plan documents
Summary Plan Description audit Review SPD to ensure compliance

OUR SERVICE BENEFIT FOR YOU
Portal for employees to access HR/benefits information Custom employee portal promotes engagement and retention.
Time-off tracking Simple time-off tracking brings employees to the site
Employee handbook Customizable handbook including recommended policies and corresponding forms.
Access to professional community Ability to network and find answers from 300,000+ peers nationwide.
Benchmark survey data An accurate picture of how practices compare to peers nationwide regarding benefit offerings, plan design, costs, etc.
HR library of forms Library of fillable HR forms on demand.

OUR SERVICE BENEFIT FOR YOU
Provide an employee training program, video, quiz, and PowerPoint on one of the OSHA compliance topics featured in Broker Briefcase. Provide access to online OSHA recordkeeping portal and host training session on recordkeeping requirements.

OUR SERVICE BENEFIT FOR YOU
Deliver Employee Safety Manual from Broker Briefcase as-is. Conduct 30-minute interview and customize safety manual for employer. Contract with legal counsel for compliance review

OUR SERVICE BENEFIT FOR YOU
Provide a copy of Fleet Safety Policy. Bring in state-certified training provider to host defensive driving training session for employees.

OUR SERVICE BENEFIT FOR YOU
Distribute state-specific Employment Law series documents. Offer one hour webinar/Q&A session on state-specific regulations.

OUR SERVICE BENEFIT FOR YOU
Send materials to create a return-to-work program—including sample policy. Conduct a 60-minute interview and customize a return-to-work program for employer, including written policy, protocols for accident investigation, light duty job bank and relationship with occupational clinic.

OUR SERVICE BENEFIT FOR YOU
Provide sample business continuity plan and informative documents to help customize the plan. Conduct 60-minute risk assessment interview, customize business continuity plan for the employer and host training.

OUR SERVICE BENEFIT FOR YOU
Distribute Playing it Safe, Target on Safety and Safety Matters/ “Toolbox Talks” documents to spark ideas for weekly safety meetings. Host a safety meeting monthly with an insurance focus.

OUR SERVICE BENEFIT FOR YOU
Share a copy of the Total Cost of Risk Calculator. Schedule a 60-minute meeting to complete the total cost of risk assessment tool together, analyze results and create a plan of action.