GROUP INSURANCE
Every company has unique goals and objectives. As your benefits consultant, ERG will create an ongoing service plan specific to your needs. The service cycle begins with a thorough review of your plan to ensure that total plan costs are appropriate to the services being received. On an ongoing basis, your account executive will review your benefits program with ideas to improve and increase operational efficiency, including:

• Market Analysis
• Renewal Management
• Plan Conversion Guidance
• Compliance Services
• Employee Communications
• Open Enrollment

COBRA Compliance: ERG provides complimentary forms and instructions to assist clients with COBRA and CalCobra administration via the CobraAid Toolkit. Updates are also provided as modifications are made to notification requirements.

HIPAA and FMLA Compliance: ERG is available to answer questions about HIPAA and FMLA, and will update you as changes occur.

Healthy Families Enrollment: Our bilingual English/Spanish personnel are certified application specialists available to assist employees who may qualify for the Healthy Families cost - subsidized program to cover dependent children.

Online Client Services for Small Groups (less than 50 employees):
ERG partners with Health Connect to provide our small group clients access to online tools that provide instant access to:

• Your plan’s rates and benefits
• Employee enrollment forms and applications
• Claim forms
• Directory of your plan’s preferred providers
• Company census data
Online Client Services for Large Groups (more than 50 employees):
ERG partners with BeneTrac and other vendors to provide state-of-the-art online enrollment and tracking tools. These services streamline administrative functions for Human Resources personnel, employees and their families. We will also coordinate implementation and training of carriers’ in-house systems to ensure that your plans run smoothly.

Form 5500 Preparation: ERG will track Schedule A data and prepare signature-ready IRS form 5500 documents for all plans that require filing.

Employee Assistance

ERG’s bilingual English/Spanish staff is available to assist employees directly with issues including:
• HIPAA-compliant claims assistance
• Group benefits program information
• Individual insurance plans for employees and dependents (Medical, Dental, Life, Medicare Supplement, etc.)


RETIREMENT PLANS
ERG is a group of dedicated specialists focused on providing creative solutions for Retirement Plans.

From independent investment analysis to employee communications to vendor fee benchmarking, our process-driven solutions help protect employers from corporate and personal financial liability, while increasing investment opportunities and improving over all plan value.

Maximize Plan Efficiency, Minimize Cost

Every plan sponsor has unique goals and objectives. As your 401(k) consultant, ERG will create an ongoing service plan specific to your needs. Services include:
• Vendor Analysis and Benchmarking
• Provider contract review
• Provider pricing re-negotiation
• Plan conversion guidance
• Plan design analysis and Fiduciary Plan Review
• Compliance Checklist

Protect Against Loss

Without a sound investment due diligence process, fiduciaries may be held personally liable for poor investment performance in a participant-directed retirement plan.
ERG helps navigate fiduciary responsibility through robust, systematic, qualitative and quantitative investment analysis involving over 150 pages of detailed reports utilizing 15+ industry standard analytical measurements. Our due diligence process goes far beyond the Morningstar 5-star ratings and instead focuses on a cyclical approach of fund selection, monitoring and ongoing documentation and review. Services include:
• Investment Policy Statement
• Investment analysis and review
• Scorecard fund ranking
• Semi-annual Market Summary
• 404(c)/ 404(a) Guidance

Increase Participation

Without an intensive and ongoing employee communications process even a well-designed 401(k) plan will not be successful. Through ERG’s communication services you can increase participation, satisfaction, and understanding of asset allocation and risk tolerance. This also helps plan sponsors to meet 404(c) requirements to provide adequate education about investing in a company’s 401(k) plan. ERG's expertise include:

• Pre-enrollment memos and announcements
• On-site group and individual enrollment meetings
• Bi-lingual representatives on staff
• Investment education meetings
• Sample employee memos
• Monthly participant newsletters
• Monthly client newsletters

INDIVIDUAL INSURANCE

ERG designs, implements and services customized individual insurance plans of all types, including:

• Life Insurance Plans
• Medical and Medicare Supplement Policies
• Temporary Medical Insurance
• Dental Insurance
• Disability Income Protection
• Individual Retirement Annuities
• Long Term Care

Every individual has unique goals and objectives. As your consultant, ERG will help you create an insurance program that is tailored to your needs and budget. Out services include:

• Needs Analysis
• Market Review
• Detailed review of proposals to help your determine which plan offers the best value
• Plan implementation and policy issue

Customer Service

Once your policy has been issued, ERG’s bilingual English/Spanish staff is available to assist with any service issues and questions that you may have. We are here to help when you need us, with the expertise to expedite claims, resolve billing problems, complete required forms and providing excellent customer service to our clients. We are dedicated to exceeding your expectations.