What should employers expect from their
employee benefits advisors?
Our commitment to help educate participants and staff provides a foundation for your company's employee benefits plans going forward. We help integrate your staff and our staff administration capacities with provider systems and regulatory procedures.
Next we help navigate the use of online and onsite enrollment strategies. Then we help initiate communication for all ongoing participant and company decisions.
Our permanent role is to anticipate change and guide your company's response. We combine our annual strategic review structure with continual staff-to-staff contact, in order to monitor results and also to help capture opportunities as soon as they arise, and help resolve problems before they arise.
How Can Employees depend on the company?
For the moment, 401(k) and related plans remain an effective retirement income funding structure for most employees. But matching performance with longevity gains requires independent analysis.
Personal investment success outside employer plans presents its own set of obstacles. Individual investors need access to comprehensive planning advice, as well as more effective investment options and tax strategies*.
Our mission is to help fill those gaps for employers and employees with knowledge, experience, and insight to optimize retirement planning success.
- Plan design
- Participant communication
- Administration and management fees
- Investment alternatives
*Curtis & Associates does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.
Where should employers focus to regain control of healthcare benefits costs?
Healthcare utilization is the primary driver of soaring benefit costs. Today's plans can manage utilization by shifting more cost management options to employees. Customization becomes the primary driver of lowering benefit costs. Beyond utilization you have to contend with government mandates, carrier pricing strategies, and healthcare and drug company profit models.
To make the most effective use of a custom approach requires advisors who can design diverse solutions and who have the industry presence to negotiate favorably with all parties on behalf of employer clients.