Our employee benefits consulting services allow organizations to secure an affordable plan and to seek and retain top talent. Companies that boast a competitive benefits package often attract candidates who value having a strong insurance plan. Discover some of the insurance packages we advise on at Atlas Insurance Agency, A Marsh & McLennan Agency LLC through our employee benefits consulting services.
Group Health, Dental & Vision Insurance
One of the most common but important elements of a good benefit package that an employer can offer is healthcare. For the most competitive offering, extend not only into comprehensive health coverage with low deductibles but also dental and vision options.
Group Life Insurance
Life insurance is another valuable benefit that you can offer to improve your business appeal and provide for your work force. Life insurance gives your employees the security of knowing that their family will be provided for should something happen to them.
Temporary Disability Insurance
The Hawai’i Temporary Disability Insurance (TDI) law was enacted in 1969, which requires employers to provide partial “wage replacement” insurance coverage to their eligible employees for nonwork-related injury or sickness, including pregnancy. This means that if an employee is unable to work because of an off-the-job injury or sickness and the employee meets the qualifying conditions of the law, the disabled employee will be paid disability or sick leave benefits to partially replace the wages lost.
Long Term Disability Insurance
Disability insurance is meant to cover an employee’s compensation if they become unable to work. While short term disability is a fairly common offering, long term disability benefits can encourage your employees to stay with your company by demonstrating an ability to contribute to their support even if their return to work takes longer than several weeks.
Self Funded Plans
Sometimes, the best option for your workforce is not to hook them into a rigid healthcare plan but rather to allow them to seek the treatments that they need and cover the expenses as a business. If self funded plans are right for you, we can help you to set them up so that they are always there when your employees need them.
Other Options For A Competitive Benefits Package
We can assist you with offering the most competitive options in addition to the choices above, including:
- Program design, strategy, analysis, implementation
- Vendor competitive bidding
- Renewal negotiation
- Alternate funding arrangements
- Stop Loss insurance
- State & Federal benefit plan compliance
- Employee communication strategies
- Industry and marketplace benchmarking surveys
- Worksite wellness strategies
- Elder care resources including elder care education and long term care plans
- Online enrollment platforms
- Concierge programs
- Benefits compliance training and seminars
- Outsourcing solutions: leave management, COBRA, third party administration
Industries Served
Here at Atlas, we understand that no two businesses are the same. Your insurance policy needs to be customized, ensuring you receive coverage while also maintaining compliance. For a breakdown of policies based on your respective industry, click the button below to learn more.
Trust The Specialists To Provide Employee Benefits Consulting
When it comes to getting all of these factors right for your business, leave the nitty gritty details to the professionals who can help you create a plan tailored directly to your business. At Atlas Insurance Agency, A Marsh & McLennan Agency LLC, we are Hawai’i’s leading employee benefit consulting team with 130+ years of combined experience assisting our community with insurance needs. Contact us online or call one of our friendly agents to get started today.
Answers For All Your Questions About Employee Benefit Options
We offer basic life insurance but aren’t sure employees value it, what can a consultant do to help us enhance our life and disability offerings?
A consultant can assess the competitiveness and relevance of your current plans by benchmarking against similar employers in your region or industry. They can recommend plan enhancements such as voluntary life insurance buy-ups, AD&D, and short or long-term disability options. Consultants also help improve participation by educating employees on the value of income protection benefits, especially during open enrollment or onboarding.
How can a consultant help us transition from a fully insured health plan to a level-funded or self-funded model?
Transitioning requires strategic planning and employee communication. A consultant will:
- Analyze your claims history and funding structure
- Compare stop-loss carrier quotes
- Select the right TPA and benefit administration platforms
- Ensure compliance with federal laws like ERISA and ACA
- Prepare education materials so employees understand the new plan’s structure and benefits
Properly managed, this transition can lead to material cost savings and better plan customization.
How do consultants help with employee decision-making during open enrollment, especially when benefits are getting more complex?
A good consultant doesn’t just help you select plans, they help your team understand and use them. This can include:
- Developing custom benefit guides and explainer videos
- Hosting live or virtual employee meetings
- Setting up decision-support tools in your enrollment platform
- Ensuring employees know how to use HSAs, FSAs, tele-health, or life insurance conversions
This education improves satisfaction, reduces HR inquiries, and boosts benefits ROI.
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