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HEALTH & EMPLOYEE BENEFITS

Embroker’s employee benefits experts go beyond a one-dimensional spreadsheet so
your HR team can put the human back into resources. We draw on third-party data
and integrate with your HR system to find you the best value for the right
coverage for your employees.

TALK TO OUR ADVISER


INDEX

 * Introduction
 * What Is It?
 * Who Is It For?
 * Why Do You Need It?
 * What Does It Cover?
 * What Does It Cost?
 * Why Get It With Embroker?
 * Still In Doubt?


INTRODUCTION

In today’s competitive job market, employees expect more from their benefits
plans than ever before. Basic benefit offerings just aren’t enough anymore.

And the numbers back this up. According to a survey conducted by The Harris Poll
for the American Institute of CPAs (AICPA), 80% of the employees polled
indicated they would choose a job with great benefits over an identical offer
that had a 30% higher salary without benefits.

Any employer that wants to attract and retain the right talent for their company
will need to take a long, hard look at their compensation packages and adjust
accordingly.

Employee benefits programs that can make a difference to your workforce can end
up being both incredibly expensive and time-consuming for your HR team and
leadership. The work hours and the budget needed to set up, maintain, and
administer your benefits program can be enormous.

This considerable cost and time required to maintain a competitive benefits
package make efficiency a crucial component when considering how to structure
and manage your company’s benefits plan.


WHAT IS OUR EMPLOYEE BENEFITS SERVICE?



We integrate with your HR system, digitize your enrollment, create benefits
education materials tailored to your brand, and provide 24/7 access benefits
consultants, so your employees see the value in your benefits program throughout
the year.

Our clients realize a topline decrease in insurance spend and a topline increase
in the benefits provided to their employees.

Embroker’s employee benefits service goes beyond a one-dimensional spreadsheet a
typical broker provides. Our experienced team begins with gaining a deep
understanding of each client’s unique needs.

Your company is then benchmarked against similar employers to identify areas of
improvement and hidden savings opportunities. Finally, we use Embroker’s
proprietary underwriting and analytic tools to deliver real results.

As your employees know, insurance is not just about cost. Embroker works with
our clients to enhance their total benefit experience. The Embroker benefits
team works with our clients’ existing HR systems to create a seamless
integration of payroll, carrier administration, and employee enrollment.

With Embroker, your company saves money, your HR team is freed of insurance
administration duties, and your employees receive incredible benefits.




Here’s how Embroker can help you and your workforce get more out of your
employee benefits programs:


UNDERWRITING ANALYTICS

Embroker’s proprietary underwriting tools pull from over $82 billion in annual
claims data from multiple data sources, including Truven Health Analytics and
the Kaiser Family Foundation, to analyze your company’s claims and let you “test
drive” potential changes so that you can see the impact of a change. As a
result, we typically reduce costs by 10% – 15% while tailoring and improving
plans to align with the needs of your employees.


COMPREHENSIVE BENCHMARKING

The Embroker Health Plan and Benefit Design Benchmark Report consists of data
from nearly 30,000 employers and 45,000 plans. Embroker’s meta-study draws upon
data from SHRM, Milliman, Gallop, Kaiser, Zywave & PWC. Your benefit plan is
benchmarked against your industry peers based on size, location, and demographic
profile.


HR INTEGRATIONS AND DIGITAL ENROLLMENT

We don’t believe in a “one size fits all solution.” The Embroker Modern Benefits
team works with our clients’ existing HR systems creating a seamless integration
of payroll, carrier administration, and employee enrollment. We work well with
all the major players: Gusto, Zenefits, ADP, Rippling, Paylocity, etc. As a
result, our clients have the time to put the Human back in Resources.


EMPLOYEE BENEFITS EDUCATION

We help you educate your employees by creating on-brand assets to help your
staff understand their benefits and how they are tailored to their needs. With
Embroker, your employees will clearly understand the value they’re receiving
from the company’s benefits program.


INDUSTRY EXPERIENCE

Embroker has strong relationships with all major benefits carriers – allowing us
to get you the best deal possible on your premium and get immediate responses to
your needs.


ON-DEMAND HEALTH ADVOCATES

Embroker has partnered with Health Advocate to provide benefits and healthcare
support for your employees and their families – 24/7. The Health Advocate team
offloads sensitive questions like medical bills, finding the providers,
scheduling tests, and so much more.


BENEFITS THAT GROW WITH YOUR BUSINESS

Embroker can help your employee benefits program keep up with your growth. We
offer our clients full support as they grow from a small group to a large group.


WHO IS IT FOR?

Any company or non-profit organization that wants to provide individualized comp
and benefits in order to attract and retain top industry talent can benefit from
this service.

If your company is interested in increasing its appeal and attracting better
candidates, minimizing its turnover rate, improving employee morale and
increasing productivity, you should be interested in putting together a top-tier
health and employee benefits program for your staff.


WHY DO YOU NEED IT?



It’s clear that attracting and retaining top talent (or any talent for that
matter) is becoming increasingly difficult for companies that don’t offer
competitive and well-designed benefits plan to their staff.

However, employee benefits can do more than just help your recruiting. They can
make your existing employees even more productive. After all, happy employees
are productive employees, and few things influence job satisfaction as
significantly as a well-thought-out benefits plan.

A robust compensation package with excellent benefits showcases how much you
care about your workforce and clearly indicates how invested you are in their
job satisfaction and future success.


WHAT DOES IT COVER?



Embroker’s benefits services include:

 * Health insurance
 * Dental insurance
 * Key-person life insurance
 * Life insurance
 * Long term and short-term disability
 * Benchmarking
 * Renewal management, optimizing your renewals for performance of your benefits
   plans
 * Payroll integration
 * PEO exiting
 * HRIS setup and onboarding

Additionally, if you need help with any aspect of your employee benefits
program, or want to add any non-listed services to your program, you can reach
out to one of our advisers.


WHAT DOES IT COST?

The cost of your health and employee benefits program will typically depend on
two factors. First, the size of your organization and how many employees are
receiving these benefits is clearly the most important factor that is going to
determine the cost of your plan.

The second biggest factor is the quality of the plan itself. The more robust
your plan and the greater number of benefits you offer to your team (potentially
including some unique employee benefits), the more your plan will cost on a
per-employee basis.

It takes the Embroker team less than an hour to take a look at all of your
company documents and evaluate your current program to see where we can save you
money and how we can improve the benefits plan you offer to your employees.

For more information on employee benefits programs, check out some of our
resources in the blog.

 * Basic employee benefits you need to provide
 * How to design an employee benefits program


WHY GET IT WITH EMBROKER?


EASY.

We’ve made it easier than ever before to design and manage your employee
benefits plan. How easy? It takes our team less than an hour to review to
evaluate your current program and suggest improvements.


AFFORDABLE.

As a digital company, Embroker passes the savings for unnecessary administration
on to you — for the most competitive premium you’ll find anywhere.


COMPLETE.

Embroker helps you get small group benefits with large group impact. We
customize benefits plans for small groups and help them be competitive with
large groups.


HUMAN.

We provide you with expert support no matter your question: Reach us 24/7 via
phone, email, or live chat. You even get a personal account manager to look
after you and your employee benefits needs.


STILL IN DOUBT?

“Embroker has provided Amour Vert with a better benefits experience for our
employees, incredible service, lower costs, time savings, and better
understanding of our needs as a fast growing multi-channel retail company.”


GET YOUR HEALTH & EMPLOYEE BENEFITS QUOTE IN LESS THAN 10 MINUTES

Get Your Coverage Now

“The platform is seamless, intuitive, and readily accessible!”

REBECCA AXVIG

Mux


DON’T JUST TAKE OUR WORD FOR IT!

With a Net Promoter Score (NPS) of 70+ Embroker is the highest rated business
insurance company in the market.

NPS Score 2020

17
Insurance Industry
71
Embroker




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