• Medical
  
• Dental
  
• Short and Long Term Disability Life Insurance
• Vision
• Chiropractic / Acupuncture
• Employee Assistance Program (EAP)
• Flexible Spending Programs (Section 125)
• 529 College Savings Plan
• Voluntary Life and Disability
• Long-Term Care
• International Insurance
• 401(k) Retirement Plan

• 401(k), medical plan and payroll service all tailored to meet your company's needs
• No-fee consultation of benefits package for new hires
• Employee New Hire Packets available at no charge

• Investment independence
• Our affiliation with Western International Securities, Inc. allows us to provide you with multiple mutual fund companies and independent investment managers for your 401(k) and other retirement plans
• 24-hour participant access to account balances through the Internet and an 800 number
• Personalized employee education programs

Unless employees are thoroughly knowlegeable, they may fail to receive the full impact that even the best retirement and benefits packages can offer. To safeguard against that, we offer free of charge:

• Employee group meetings
• Individual employee consultations covering, for example, college savings, ROTH IRA, individual stocks, mutual funds and life insurance plans
• Complete training in accessing accounts online or via phone
• Pre-retirement meetings
• Asset allocation modeling
• Individual retirement projections

Fiduciary compliance expertise designed to protect and insulate the plan sponsor from potential corporate and personal liability & Preparation of IRS Form 5500 and all other tax filing requirements is taken care of for you by our selected pension administrators

As a fiduciary, you may be held personally liable for a breach of your fiduciary responsibility. ERISA outlines the prudent procedures a Fiduciary must follow in the management of the plan assets. They include the following:

• ERISA Sections 402(a)(1), 402(b)(1)-(2), 404(A)(1)(D) An Investment Policy must be established and should be in writing
• ERISA Section 404(a)(1)(B) Investment decisions must be made with the skill and care of a prudent expert
• ERISA Section 405(a) Investment performance must be monitored
• ERISA Section 404(a) Investment expenses must be controlled
• ERISA Sections 406(a)-(b) Prohibited transactions must be avoided

ERISA states that Plan Fiduciaries are under an obligation to retain qualified investment professionals if the Fiduciaries do not have the necessary investment expertise to make investment decisions.

Benefit Experts offers the compliance expertise through selected pension administrators that will help insulate the plan sponsor from liability. It is vital that as your advisor, we will work in your best interest, not in the interests of any insurance company, bank or brokerage institution.

All of our retirement plans will include the following:

• Perform a fiduciary compliance audit at least annually
• Draft and maintain a written investment policy
• Screen and recommend all potential investment managers
• Prepare quarterly detailed evaluation reports for both the plan sponsor and all plan participants on those investment managers selected.