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Freedom of Choice; No Conflicts of Interest
Another way we are unique is that we allow our clients to keep their current benefits broker, and we work with your broker to incorporate your benefits into our support services.
And if you decide you would like Melita to perform the important role of Benefits Advisor, you can rest assured that are advice and guidance is unbiased because we do not accept insurance commissions. Instead, we charge fees and we credit you back 100% of any commissions to your fees. This adds an additional layer of trust by removing any potential conflict of interest associated selecting the benefit plans that make the most sense for your business, not on which ones pay the best commissions.
Get the most of out of your employee benefits dollars
Poor communication and support strategies often lead to undervalued and underappreciated benefits. At Melita, we prioritize effective communication and support to enhance the perceived quality and value of your benefits investments. Our services encompass clear, concise benefits communications and comprehensive employee support, ranging from assisting new hires with enrollment decisions to resolving claim issues.
We ensure the protection of your investment by ensuring our clients are fully compliant with all benefits mandates and reporting requirements. With our commitment to clear, timely, and engaging communications and support, we strive to optimize the understanding and appreciation of your benefits program.
Design a benefits package that fits your business
Your benefits package should be aligned with your company’s compensation philosophy and your culture. Considering how much of your company budget goes to benefits costs, it’s important to get it right. At Melita we take a structured approach, that includes:
- A track record for delivering for our clients
- Expert analytical modeling to help you make educated, informed decisions on plan designs and employee/employer cost sharing
- Competitive benchmarks against companies that are targeting the same talent pool
- Creative/innovative ideas on various plans and structures to maximize your benefits investment
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Benefits Service Modules
With our modular services, you pick and choose what you need, when you need it. You also have the added flexibility of adding or removing modules at any time as your business needs change.
Benefits Advisory & Brokerage
Your assigned Benefits Advisor is responsible and accountable for the following:
- Conduct an annual comprehensive market analysis to compare current benefits coverages and pricing versus all other options available in the market
- Negotiate with insurance carriers to obtain the best coverages at the lowest possible premiums
- Present decision makers with competitive benchmarking data to assist with final selections and strategy
- Keep client abreast of any and all legislation, trends and market developments that may impact benefits strategy
- Advise and guide client with international benefits
Benefits Administration & Support
Your assigned Benefits Specialist is responsible and accountable for the following:
- Primary client contact for all benefits issues/questions
- Manage annual Open Enrollment process
- Prepare and conduct annual employee benefits feedback surveys
- Create and distribute custom benefits communication materials
- Responsible for auditing all monthly insurance carrier invoices and resolving discrepancies
Benefits Compliance
Your assigned Compliance Specialist is responsible and accountable for the following:
- Ensure full compliance with all benefits laws and mandates
- Maintain and distribute all benefits–related Federal & State Notices & Disclosures to employees
- Ensure all government filings are completed, including ACA 1094C/1095 & 5500 tax filings
- Prepare & distribute ERISA SPD and WRAP documents
- Track & communicate relevant benefits legislation