Services

Our services are divided broadly into the following categories:

Finance/Human Resources Coordination

Operational Support

Flexible Benefits & Cafeteria Plans

Employee Communications

Brokerage Services

Legal Compliance

Voluntary Benefits

Within each category, our aim is to provide complete support throughout the diverse functions related to our clients' employee benefit programs. While all of these services may not be pertinent to all plans on a day-to-day basis, we intend to make available an array of services which will accommodate both present and future needs.

In general, our services are intended to facilitate the delivery of employee benefits from organization to employees. We also view our role as that of an intermediary between clients and those outside organizations with which they do business relative to their benefits plans. We take responsibility to coordinate benefit programs at all levels.

Financial/Human Resources Coordination

At Bluff Head Enterprises, we believe that one of the most important functions is to facilitate dialogue and communication between Finance and Human Resources management functions. We firmly believe that the best decisions about employee benefits are made in a collaborative environment where both Finance and Human Resources are well represented.

We assist clients with:

Negotiation of contract renewals and marketing of coverages
Analysis of claim experience
Plan redesign and analysis
Long-term planning
Introduction of new products
Examination and analysis of funding alternatives
Development of cost containment, health promotion and wellness programs
Assistance with mergers, acquisitions, and divestitures

Operational Support

Aside from the financial pressure on today's benefit plans, most companies also find that delivery of health and welfare benefits involves considerable administrative responsibility. Our objective in this area is to minimize and manage this burden, assisting our clients with the day-to-day functional elements of their plans.

Our services in this area include:

Assistance with federal reporting and disclosure
Aid with state and federal legal compliance
Support with billing and eligibility transmittal
Resolution of claim payment problems
Establishment of internal controls and divisional cost allocations
Review of contracts, booklets, SPD's, etc.
Coordination between internal and external personnel
Assistance with collective bargaining

Flexible Benefits & Cafeteria Plans

We help our clients design and maintain their flexible benefit plans. Whether a client is looking for a detailed full flex plan replete with flexible spending accounts, credit based pricing and numerous flex benefit options, or just a simple premium only plan to take advantage of IRC Section 125 to leverage tax savings for their employees and themselves, we can help. Flexible benefit plans are in some ways the last "win-win" available in benefits today. We recommend that all clients consider utilizing flex at some point.

We work extensively with flex plans and can help clients design, communicate, enroll and administer their plan, including:

Draft and review of plan documents
Draft and review of plan booklets/SPD's
Preparation of salary reduction agreements
Preparation of annual Form 5500
Monitor compliance with federal regulations
Facilitate discussions with HR staff and payroll vendors to ensure the flex plan is properly administered
Provide consulting expertise of daily administrative questions

Employee Communications

We are firmly committed to employee communication. We feel that it is critical for employers to advocate a partnership with their employees in order to control rising health care costs and we believe that this can only be accomplished through a commitment to employee communication. We also believe that as new and creative solutions to rising health care costs are introduced, the employee communication burden on employers will increase.

We offer the following services in this area:

Plan and facilitate employee meetings
Coordinate employee surveys
Organize and facilitate focus group meetings
Draft employee memos
Review insurance carrier-produced materials
Assist with implementing health promotion and wellness programs

Prepare Personalized Employee Benefits Statements (Sample)
Prepare Personalized Open Enrollment Communications

Brokerage Services

We can perform a marketing of any aspect of your benefit program including:

Group Medical
Prescription Drugs
Group Dental
Group Vision
Life Insurance
Accidental Death & Dismemberment Insurance
Business Travel Accident Insurance
Short Term Disability
Long Term Disability
Long Term Care
Voluntary Benefits
Employee Assistance Programs
401(k) Services

One of the most important advantages BHE brings to this process is our complete impartiality. We do not bundle our business nor do we currently receive override commissions from vendors. Our clients can rely on the fact that any recommendation we make will be based 100% on what we believe to be in their best interests, not ours.

Legal Compliance

As your benefits consultant, we interact with a client's legal counsel and help to minimize legal costs by providing assistance with many basic legal compliance requirements. We assist clients in complying with all federal and state laws including, but not limited to:

ERISA
COBRA
HIPAA
IRC Section 79
IRC Section 125
IRC Section 105(h)
WHCRA
PDA
EGTRRA

Voluntary Benefits

One way clients can add to their benefit package with little or no additional cost to the company is through voluntary benefits. Clients provide a payroll deduction service, administrative effort and a platform for communication, but do not contribute to the actual cost of the benefits.

Aside from enhancing overall benefits, we seek to minimize the client's administrative involvement and maximize employees' return on investment. We help to match programs that fit easily into our clients' existing HRIS and payroll platforms. We also seek out those options which return a high percentage of the premiums paid by employees in the form of benefits paid versus those which do not.

Some examples of voluntary benefits include:

Supplemental Life Insurance (Employees and/or Dependents)
Flexible Spending Accounts (Healthcare and/or Dependent Care)
"Mini-Med" Medical Insurance
Voluntary Dental Insurance
Supplemental Short Term Disability
Voluntary Long Term Disability
Voluntary Long Term Care
Prepaid Legal Benefits
Supplemental Cancer/Hospital coverages
Payroll-deducted Home and Auto Insurance

A solid portfolio of voluntary benefits can be a powerful addition to your overall compensation and benefits package. These plans can leverage a company's group size to obtain attractive rates while the convenience of payroll deduction is a plus for employees.

Who does your current broker work for?

Does your current broker accept hidden broker compensation (overrides, bonuses, etc.) as a result of your business?
Do they provide total transparency and guarantee complete disclosure of all compensation?

At BHE, we have a standard practice to refuse any form of supplemental compensation from vendors. We report all compensation to our clients annually, semi-annually, quarterly or monthly on a cash basis. We aggressively and exclusively represent our client's interests, not the vendor's.

Are you getting the service you deserve from your current broker?

Is your current broker responsive to the needs of your management team?
Do they present to you the latest innovations in employee benefits?
What data do they provide to help your decision making process?
What assistance are you receiving with regard to legal compliance?

At BHE we bring large-firm expertise at a reasonable cost to our clients. Our clients are highly valued on a personal level and we have an intimate knowledge of their needs. We provide a stable and consistent service relationship and serve as a strategic partner to help our clients meet their short-term and long-term goals.