1. TBR Associates - The Benefits Resource
But what do we really do and... why is it different from any broker –
It’s just medical insurance right?
If you think that you are paying way too much and getting way too little.
It’s about strategy, communication and service.
TBR Associates - The Benefits Resource

2. TBR Associates - The Benefits Resource
The Benefits Audit-
The blueprint for our relationship with our clients
It is a strategic planning and review process undertaken within the context of the company’s corporate goals and initiatives.
Employee benefits represent a significant portion of the company’s total budget and an employee’s total compensation.
Cost control is critical; so is offering the right benefit package, at the right price.
The right plan can actually help the company’s bottom line.
It helps with employee recruitment and retention and the company’s overall corporate goals.
TBR Associates - The Benefits Resource

3. TBR Associates - The Benefits Resource
So what does the audit do?
It assesses the current offerings.
It benchmarks the plans.
It provides recommendations for an improved, usually less expensive, benefit plan.
It provides a multi-year strategy.
TBR Associates - The Benefits Resource

4. TBR Associates - The Benefits Resource
Still not convinced there’s a TBR Difference?
Let’s review a recent case study:
We provide services to a Boston based biotech company with approximately 85 employees.
This client received an 18% increase from their current medical carrier and was not in a position to absorb such an increase.
TBR marketed the medical coverage to other carriers, but also proposed reviewing high deductible plans with a Health Reimbursement Account (HRA) for potential savings.
TBR Associates - The Benefits Resource

5. TBR Associates - The Benefits Resource
The Result
After careful review and consideration, the client moved to a different medical carrier but also implemented the high deductible on both their HMO and PPO plans.
The savings from the plan design change enabled the employer to fully fund the deductible while saving the company $112,000 annually.
The transition to the new carrier and plan design was flawless due to extensive employee education and a strong relationship between TBR and our client.
TBR Associates - The Benefits Resource