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MRCT YOUR BROKER
Annual Audit and Review Current Plans
Prepare report analyzing current plan(s)
A. Review of current plan
B. Subjective comments
C. Recommendations

Plan Design, Competitive Bidding & Rate Negotiation on Annual Basis
A. Formulate strategy for upcoming renewal including the drafting of bid specifications
B. Request updated census 90-100 days in advance of renewal & send to market
C. Request renewal rates from carrier 30-45 days in advance of renewal
D. Analyze bid responses
E. Negotiate renewal rates with carrier (if applicable)
F. Provide complete analysis of market 30 days before renewal

Implementation
A. Implementation meeting
B. Assist in completion of all documents and contracts
C. Order booklets and ID cards

Employee Communications
A. Design announcement letters and benefit outline summaries
B. Conduct open enrollment meetings
C. Answer employee questions

Ongoing Management Service
A. Assist employees with problem claims and general questions about plan
B. Assist with billing, enrollment, ID cards, etc. — when necessary
C. Provide support and enrollment materials for new employees

Compliance Issues
A. Assist with federal and state requirements (COBRA, HIPAA, etc.)
B. Provide resource for legislative issues
C. Assist in developing summary plan descriptions and 5500 forms when necessary

Plan Management
A. Review claims experience reports (if available)
B. Evaluate and recommend future options (Dental, LTD, STD, Vision, LTC)
C. Evaluate and recommend future retirement plan options (Pension, 401(k), Profit Sharing, Annuities)
D. Help implement and coordinate Section 125/FSA/HSA/HRA options (additional fee)
E. Produce and distribute personalized employee benefit statements (additional fee)
F. Coordinate all benefit plans into comprehensive package
G. Coordinate all benefit plans into comprehensive, internet-based package (additional fee)
H. Provide Human Resources & Benefits Management web-site (additional fee)
I. Provide a written commitment of our services

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MRCT Benefits Plus
Phone: 314.727.5522 or 800.968.1150
HR website: www.mrctbp.com/consulting


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