EMPLOYEE BENEFITS SERVICES TO CLIENTS

Dougher & Fridline provides proactive client renewals, legal compliance reporting, and ongoing assistance for all employee benefit issues.

Market Employee Benefit Programs

• Solicit proposals from insurance carriers.
• Analyze premiums, benefits, providers, and cost information.
• Present overview to client for evaluation.

Employee Benefit Options

• Medical Plans - HMO, POS, PPO, and indemnity.
• Dental and Vision Plans - DMO, POS, PPO, and indemnity.
• Life, Long- and Short-term Disability Plans
• Long Term Care Plans
• Section 125 Plans - simple pre-tax premium, dependent care, and unreimbursed medical expense.
• Consumer-driven health insurance option — HRA, HSA, MSA
• 401(k) Plans

Communication

• Prepare materials for current and prospective employees.
• Conduct enrollment meetings and new-hire orientations.
• Prepare a summary of all employee benefits for new and prospective employees.
• Inform employers of changes in laws and regulations, insurance company changes, and important health-care information via The Brief.

Legal Compliance

• ERISA - provide required documentation and reporting for SPDs (Summary Plan Descriptions).
• COBRA/HIPAA - provide required documentation or outsource to COBRA administrator.
• Form 5500 - IRS/DOL communication and reporting.

VALUE-ADDED SERVICE

• We provide assistance on employee benefit issues that may arise throughout the year.
• Employer and employee advocate for administration and claims.
• Prepare ERISA required Summary Plan Descriptions (SPD).
• File Form 5500 and associated Schedules for the Section 125 and Welfare Benefit Plans (groups over 100).
• Assist and prepare employee satisfaction and needs surveys.
• The Dougher & Fridline Brief is a communication to notify our clients of important employee benefit information in a clear, concise,...brief manner on an as-needed basis.