Employee Benefits
Our business model is founded on our belief that each client’s business is unique. We listen. In today’s ever changing economic landscape, it is very important to us to fully understand the culture and business objectives of our clients; in particular, as these objectives relate to compensation, budgets and the organization’s most important asset—their employees.
The objectives you establish and the challenges you face, require committed partners that will invest the time to understand the priorities of your organization and work closely with key personnel to ensure your goals are met and any challenges are overcome.
Through this cornerstone philosophy, we combine decades of practical experience, dedication to ongoing learning and an extensive network of “resource relationships;” to work closely with our clients to meet their specific needs in the design, funding and ongoing management of their benefits plan.
We are proud to say that we manage Employee Benefit programs for a large range of Canadian clients from coast to coast, and provide consulting advice for U.S. companies with locations in Canada. Our clients have put their trust in us for many years and together we have worked and succeeded in meeting and exceeding their unique corporate goals.
B.Comm Financial is committed to investing the time and energy required to understand the business objectives and culture of your organization. We will partner with you to create customized, forward-thinking benefits and tax-effective compensation plans, to serve both short and long term goals. We will also be diligent to ensure that you have access to every advantage possible in the marketplace.
We will provide creative benefit plan consulting that is sensitive to the practices and budgets you set for your business, and guide your decisions. We develop ongoing, cost-effective solutions to your Human Resource needs, designed to attract and retain the best employees and enhance the lives of those who will contribute to the success of your organization.
Our objectives are to ensure value to your organization through the following strategies:
We are proud to say that we manage Employee Benefit programs for a large range of Canadian clients from coast to coast, and provide consulting advice for U.S. companies with locations in Canada. Our clients have put their trust in us for many years and together we have worked and succeeded in meeting and exceeding their unique corporate goals.
B.Comm Financial is committed to investing the time and energy required to understand the business objectives and culture of your organization. We will partner with you to create customized, forward-thinking benefits and tax-effective compensation plans, to serve both short and long term goals. We will also be diligent to ensure that you have access to every advantage possible in the marketplace.
We will provide creative benefit plan consulting that is sensitive to the practices and budgets you set for your business, and guide your decisions. We develop ongoing, cost-effective solutions to your Human Resource needs, designed to attract and retain the best employees and enhance the lives of those who will contribute to the success of your organization.
Our objectives are to ensure value to your organization through the following strategies:
- Optimize Your Expenses
- Customize Your Program
- Maximize the Value of Your Plan
Optimize Your Expenses:
Renewal Analysis
- Premium vs. Claim Analysis
- Renewal Modeling
- Carrier Negotiation
- Carrier Expense Justification
- Cost Sharing Arrangements
- Trend Analysis
- Market Study
Risk Assessment
- Pooling Levels
- International Pooling
- Catastrophic Care
Alternative Funding Strategies
- Refund/Retention Contracts
- Insured vs. Partial Insured
- Administration Services Only (ASO)
- Defined Contribution Benefits
- 'Risk Tolerable Self Insurance‘
- Private Health Services Plans
“We educate and assist decision-makers in laying the appropriate funding foundation.”
Customizing Your Program:
Traditional
- Needs Assessment
- Pharmacy Management
- Managed Drug Options
- Tax Effective Compensation
Non-Traditional
- Cafeteria Style Flex Modular Flex
- ‘Capped Flex’
- Health Spending Accounts
- Employee Assistance Programs
- Health and Wellness Initiatives
“With a solid understanding of your culture and a creative mix of fixed and flexible elements, including a delivery system that suits you best, we will build a program that meets your needs.”
Maximizing the Value of Your Plan:
Reporting
- Quarterly Utilization Illustrations
- Quarterly Experience Reviews
- Component Breakdowns
- Market Trend Analysis
- Carrier Expense Review
- Benchmark Study
Administration
- Dedicated Administrative Support
- Streamlined Administrative Systems
- Carrier Conflict Mediation and Resolution
- Online Systems
- Third Party Administration
Communication
- Customized Employee Communication
“Through strict reporting practices, dedicated administration systems and a variety of communication vehicles, we maximize your Return On Investment.”.
2008 B.Comm Financial Group of Companies.