We Know Employee Benefits

At Integro, we believe that innovation in employee health and well-being programs can help companies find success. A true consultancy, we empower clients to make smart business decisions. Let us transform your health and welfare and retirement programs from an incremental source of expense to a performance driver.

An Array of Global Benefit Solutions

We offer innovative, strategic consulting services to employers operating in a complex and changing market. Those services include:

• Absence management and financial security planning
• Aggressive cost management strategies
• Compliance support
• M&A assistance
• Medical and disease management consulting
• Pharmacy selection and support
• Private equity firm support
• Strategic planning
• Senior care captives and solutions
• Vendor selection assistance

An unbiased stance helps us survey the market, design and recommend the best solutions for your unique needs.

Actuarial Services and Data Warehousing
Our full range of actuarial services includes:

• Financial projections, budgeting and monitoring
• Plan design calculations
• Employee contribution strategy
• Reserve and Stop Loss calculations
• International actuarial expertise

Employee Benefit Plan Consulting
Our aggressive cost containment strategies and deliberate approach to managing your employee benefit plans moves your business forward by improving performance and increasing efficiency. Our services and offerings include:

• Strategic placement of fully insured and self-insured medical plans
• Consumer-driven health plan designs
• Contribution strategy and designs
• Custom benchmarking analysis
• Dental, vision, life, disability and AD&D plans
• Voluntary insurance benefit plans
• Integrated disability management
• Absence management services

Employee Communication & Education
We communicate the value of your benefits package through electronic and printed materials combined with employee meetings to educate your employees on how to best navigate the complexities of the healthcare world. Our services include:

• Customized open enrollment materials
• Healthcare reform communication
• Bi-lingual account managers
• Total compensation statements
• Personalized employer microsites
• Newsletters
• Custom benchmarking analysis
• On-demand video communication

Executive Benefits
Dedicated consultants work with you to develop a customized insurance and financial strategy. Our areas of expertise include:

• Non-qualified plan consulting
• Life insurance planning (estate planning, wealth transfer, business succession)
• Disability income replacement
• Long term care financing strategies
• Personal retirement planning
• Wealth management services

Exchange Strategy and Analysis
We make navigating the healthcare exchanges easy for your organization. Our services include:

• Defined contribution strategy
• Use of public/private exchanges
• Analysis and proposals for competitive exchanges
• Retiree exchange analysis and procurement
• Custom design and implementation of employer marketplace

HR Automation, Consulting & Compliance
Our technology, services and advice help you simplify your payroll, benefits administration and human capital management.
Services include:

• HR technology consulting
• Selection and implementation benefits administration platforms
• Policy review and creation
• Payroll vendor selection
• HRIS vendor selection
• Web-based compliance manager
• Legal resources

Healthcare Reform Consulting
Our consultants have the expertise needed to keep you informed and compliant with all aspects of the constantly evolving Affordable Care Act (ACA). We help you manage healthcare reform by:

• Providing payroll and HRIS vendor interface for efficient reporting
• Assisting with reporting and tracking requirements
• Offering continuing education on regulations, requirements and penalties
• Developing and advising on ‘pay or play’ scenarios
• Developing strategic employee communication materials

International Expertise
We offer global benefit solutions for multi-national employers, expatriate employees and foreign employers with operations in the U.S. In addition to translation services, we provide help to navigate:

• Expatriate employee risk insurances and retirement plans
• International medical, dental and travel plans
• International benchmarking data and local country profiles
• International employee benefits programs for local employees
• Multi-national pooling of group risk insurance
• International actuarial expertise
• Assistance with overseas startups

Retirement Plan Consulting 

Our extensive suite of retirement plan consulting services includes defined contribution, defined benefit, and non-qualified deferred compensation plans. We educate and prepare plan participants for retirement readiness through four means:

• Annual vendor benchmarking reviews of fees and services
• Customized plan participant education and targeted communications
• Fiduciary fitness program for plan sponsors
• Investment due diligence

Wellness Solutions
With a focus on individual accountability and preventative care, we develop customized wellness solutions that enhance employees’ ability to live healthier lives while improving the overall health of your bottom line. Our proprietary Proactive Plan Management model uses population-specific data to reveal and change the underlying causes of unhealthy behavior. Our wellness services include:

• Encouraging employee and member responsibility and involvement
• Leveraging carrier dollars and resources
• Data analysis to measure impact of wellness strategies
• ROI indicators
• Claim experience analysis
• Online health screening tools
• Health risk assessments
• Online health scree
• Wellness coaching

Let’s start a conversation.

Whether you oversee benefits for a small business, midsize company, national or multinational corporation, Integro is your Benefit Plan Advisor. Let us show you how to turn benefits from a risk into a performance driver. Contact us today. Contact Integro today to start a conversation about your business.