Employee Benefits Consulting and Brokerage Services

Saving money on employee benefits is a must in today’s economy.  The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages.  Many employers struggle to balance employee needs with their own capabilities and bottom lines.

Helping you meet these divergent objectives is our specialty.

For over 80 years, Cassady Neeser & Brasseur has been providing insurance and employee benefit consulting services to the business community.  Built upon a tradition of integrity, industry leadership and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.

Our Specialties

Our staff of experienced benefits professionals can develop benefits programs that make sense for your company and your employees.  We have specialists in all lines of employee benefits, with the experience and know-how to keep your programs running smoothly and your employees happy.

Cassady Neeser & Brasseur specializes in a wide variety of plans and lines of coverage, including:

  • insured and self-insured health plans
  • group life insurance
  • AD&D
  • dental plans
  • vision plans
  • 401(k), 403(b), pension and profit-sharing
  • cafeteria plans
  • voluntary benefits
  • short and long-term disability plans
  • long-term care

Professional Services

Using advanced technology and consulting expertise, we provide a variety of value-added professional services to our clients.  These services reduce customer costs, increase efficiency, and improve employee satisfaction, bringing your employee benefits programs to new heights in quality and performance.

Standard Consulting and Brokerage Services

  • coordinate all client activities relating to the employee benefits program
  • communicate with the client’s human resource personnel regarding benefits program issues
  • provide plan design consultation
  • provide benefit and cost analysis
  • provide network disruption analysis
  • review and provide implementation of complete cost containment procedures, where applicable
  • meet with management or benefits personnel as requested and at regular intervals
  • provide actuarial services as needed
  • review market trends periodically to ensure plan compliance
  • respond to general inquiries from clients
  • provide resources for COBRA, HIPAA, HIPAA Privacy, Section 125, and FMLA questions
  • provide resources for provider questions or issues
  • act as a resource for hardship provisions or late entrants
  • ensure implementation of policy changes with carrier(s)
  • request renewal with follow-up
  • compile plan alternatives with renewals
  • update benefit comparisons
  • review renewal contracts for accuracy
  • act as a resource for difficult claim situations
  • coordinate enrollment of employees and dependents (where applicable)
  • provide ongoing compliance assistance with state and federal mandates
  • educate benefits personnel on new administrative procedures

Additional Employee Benefit Services Available

  • MedData Information System – Most employers have limited access to the numerous and disparate organizations and sources of information that make up their health benefits supply chain.  Unfortunately, it is this very information that holds the key to understanding the true cost and risk drivers within the employee population.  Cassady Neeser & Brasseur’s MedData Information System provides employers with timely and integrated visibility into all aspects of the health benefits supply chain.  The MedData platform provides organizations with strategic insights to the drivers of health costs and risks within the employee population, so that optimal strategies and programs can be defined, implemented, and managed.
  • Custom Communications – Cassady Neeser & Brasseur helps our clients tackle their mounting employee communication challenges.  We provide custom communication materials that will help employees understand their plans and the issues influencing the employer’s benefits decisions.  We will assist with all phases of employee communication, from employee meetings to payroll stuffers and informative brochures about employee benefits and wellness.
  • Employee Handbook Development – In today’s employment environment, it is of great importance that an employer is able to keep their employees informed of all benefits available to them.  Cassady Neeser & Brasseur can equip our clients with a complete employee benefits manual that will acquaint employees with general information about working conditions, benefits, and policies affecting their employment.
  • Employee Benefit Statements – Does an employer’s employees know the actual value of their benefits?  Cassady Neeser & Brasseur is able to produce a personal benefits statement for each individual employee which gives a brief outline of the benefits provided to them.  It summarizes each benefit, develops the total cost of the benefit, and illustrates the significance of the benefits package as part of their total compensation.
  • MyWave™ Portal – Cassady Neeser & Brasseur clients can receive access to a personalized web-site called MyWave Portal, which is designed to offer time-saving tools and resources that build convenience into managing their everyday work tasks.  Whether they want to collaborate with our agency online, have quick access to timely news, information or resources, or connect with other peers in their industry, MyWave Portal does it all.
  • My Wave™ HR – Cassady Neeser & Brasseur clients also have access to MyWaveHR, which features several value-added services and resources for human resources and benefits personnel.  Whether you are looking for legislative information, employee communications, industry-related websites, healthcare, or consumer-related information, MyWaveHR has it readily available for you in one easy, convenient location.
  • HRconnection™ – Cassady Neeser & Brasseur has recognized that many employers are seeking a more effective and efficient means of communicating important information to their employees.  HRconnection is a complete online employee communication tool that lets employers manage and communicate important company information in one secure and convenient location.  Employees access the system at any time from any computer with internet access.
  • Employee Perception Testing – What benefits are really important to employees?  What benefits can you cut back with minimal employee resistance?  By testing employee perceptions using employee surveys, focus groups, and thorough analysis, Cassady Neeser & Brasseur is able to let our clients know which benefits have the greatest impact on their employees.
  • Summary Plan Description Development – All group health plans subject to the Employee Retirement Income Security Act (ERISA) are required to provide each participant with a Summary Plan Description (SPD).  An SPD must be written in a manner calculated to be understood by the average participant and must be sufficiently comprehensive to inform the participant of his rights and obligations under the plan.  Cassady Neeser & Brasseur can help clients create, maintain, and update their SPD’s so that they are ERISA compliant.  Cassady Neeser & Brasseur can also help clients create “wrap” plans for all of their employee benefit plans.
  • Section 125, Premium Only Set-Up – A Premium Only Plan allows employees to pay their portion of insurance premiums with pre-tax dollars, which in turn reduces both the employer’s and the employee’s tax liability.  Cassady Neeser & Brasseur can help clients establish an Internal Revenue Code Section 125 Premium Only Plan from the plan implementation outline to a Board of Director’s resolution for the adoption of the plan.