Your business…
…just got easier!
CBIZ:
•
•
•
Allows you to focus on your core business
Broad range of high-level expertise
National resources, personal service
CBIZ: Broad Range of High-Level Expertise
•
Advisory & Tax
•
Payroll Services
•
Benefits Consulting & Administration
•
Performance Consulting
•
Human Resources Consulting
•
Property Tax
•
Litigation Advisory Services
•
Technology Solutions
•
M&A/Capital Advisory
•
Valuation & Appraisal
•
Marketing
•
Risk Management Services
CBIZ: National Resources, Personal Service
Nationally, CBIZ is the:
• #1 Benefits advisory firm as ranked by Business
Insurance, July 22, 2002
• 6th largest accounting firm as ranked by Business
Week, May, 2002
• 13th largest U.S. broker of business insurance
• One of the ten largest Business Valuation firms
Our Mission is to be the leading provider of Integrated Business Services and Products to Business America
Does
Do
your
your
employees
employeevalue
understand
benefit
theprogram
benefits
their benefits,
contribute
at the same
and
to
the profitable
how
level
to
that
use
it costs
them?
growth
you of
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provide
company?
them?
Benefit Consulting and Administration
14%
$7K
14%
8.1%
7.3%
6.1%
$3K
6%
6.9%
$4K
8%
8.0%
10.1%
$5K
10%
11.0%
12.1%
$6K
12%
0.2%
2.5%
2%
$1K
2.1%
-1.1%
$2K
4%
0%
0
1987
2002
19882003
1989 19902004
1991 19922005
1993 19942006
1995 1996
2007
1997 1998
2008
1999 2000
20092001
Towers Perrin, “2001 Health Care Cost Survey: Report of Key Findings”
Benefit Consulting and Administration
2002 2003(P)
2010
Consumer Price Index
16.7%
$8K
16%
15%
18%
$9k
17.1%
18.6%
Per
Employee
Health
BenefitCost
Inflation
Contributing
Factors:
Typical
Options:
•• Aging
population
(boomers
are turning
50)
Pass the
increased
cost directly
to employees
medical
labor market
• Tight
Decrease
the scope
of benefits offered
• Direct to consumer Rx marketing
• Increase point-of-use cost sharing
• Diminishing Health Plan Margins
• Restrict provider choice
• National and State healthcare legislation (HIPAA,
• Change carriers for temporary cost relief
Patient bill of rights, state mandates, COBRA, etc.)
•• Lack
Decrease
/ eliminate
eligibility for health coverage
of consumer
centricity
•
Benefit Consulting and Administration
Key Benefit Objectives for 2002:
1.
2.
3.
4.
5.
Control Health & Welfare costs
Employee attraction and retention
Increased use of technology
Compliance and fiduciary issues
Administrative productivity & alternatives
Provided By ISCEBS and Deloitte & Touche (January 2002)
Benefit Consulting and Administration
Current Benefit Environment
Ongoing
Plan
Management
Current
Employee
Population
Compliance
Strategic
Technology
Plan
Plan
Communication
Health
/Assistance
Audit
Web
Applications
Risk Management
& Education
••
••
••
••
••
••
•
Dedicated
Support
Team
Operational
Employee
Health
Regulatory
Current
Eligibility
Risk
Plan
Management
Survey(s)
Affairs
Assessment
Plan
AuditAudit
Assistance
Team
Operational
Reviews
Corporate
Profiling
Corporate
Disease
Compliance
Billing
Employee
Consolidation
Management
Profile
Benefit
Communication
Checklists
Teams
&/Programs
Management
/ Committees
& Education
Dedicated
Regulatory
Affairs
Team
Employee
Benefit
Personal
Compliance
Claim
Population
Analysis
Statements
Nurse
Survey(s)
Health
/ Financial
/ /Reporting
Health
Risk
(Web
Audits
Management
Coach
or/ Modeling
Paper-based)
Programs
/ Forecasting
Ongoing
Cost
&Analysis,
Claim
Analysis
/ Forecasting
Actuarial
Coordinate
Nurselines
5500
Payroll
Compliance
Filing
Coordination
Claim
/and
Assistance
EAP’s/
Facilitate
eDoc
& Integration
Modeling,
effective
Programs
communication
and Forecasting
through one
or
more of
the
Classroom,
One-on-One, Print, IVR,
Pre-Renewal
/following:
Renewal
StrategyNewsletters
Strategic
Self-Care
COBRA
Communication
Technology
/ (3
FLEX
Handbooks
Application
Year)
Administration
& Objectives
Education
/ Wellness
Call-centers,and
Web-Based
vehicles
as appropriate
Market
Analysis
/ Medical
RFP
Management
Tasks
Online
Population
Ongoing
and
Reference
Plan
Performance
Health
Management
Risk Process
Management
Standards
& Rx
Reference
Databases
Written Performance Agreement
Benefit Consulting and Administration
MetLife
Projected
Healthcare
Health
Benefit
Inflation Cost Per Employee
Benefit
Consulting And
Administration
$9K
18%
12%
10%
8%
6.1%
6.9%
6%
$2K
8.0%
$3K
7.3%
10.1%
$4K
4%
8.1%
12.1%
$5K
2001
0%
1987
2002
1988
2003
1989
1990
2004
1991
2005
1992
1993
2006
1994
1995
0.2%
2.5%
2%
0
2.1%
1.1%
$1K
2007
1996
1997
Consumer Price Index
16.7%
14%
$6K
13.4%
16%
$7K
17.1%
18.6%
$8K
2008
1998
1999
2000
2001
Perrin,Health
“2001 Care
Health
Care
Cost Survey:
of Key Findings”
TowersTowers
Perrin, “2001
Cost
Survey:
Report Report
of Key Findings”
Benefit Consulting and Administration
Potential Savings per 1000 employees:
Yr 1
Yr 2
Yr 3
Yr 4
Yr 5
Yr 6
Yr 7
Actual Year
$ 346,000
$ 646,000
$ 989,000
$1,380,000
$1,825,000
$2,329,000
$2,562,000
Benefit Consulting and Administration
Cumulative
$ 346,000
$ 992,000
$ 1,981,000
$ 3,361,000
$ 5,186,000
$ 7,515,000
$10,077,000
How Benefits are Managed:
Traditional Model
•
•
•
•
•
Multiple Advisors
Decision based on cost / price
Reactive
Inconsistent Results
Little Accountability
Valued Advisor Model
• Advisor Selected First
• Strategy Developed
• Proactive
• Results are Predictable
• Strategy and Results
Regularly Evaluated and
Modified as Appropriate
Benefit Consulting and Administration
A Few Of Our Clients:
Abercrombie & Fitch
• Allstate Insurance
• American Airlines
• American Federation of State,
County and Municipal Employees
(AFSCME)
• Association of the United States Army
• Boston Market
• C&H Sugar
• Crown American Corporation
• Conveyor Services Corporation
• Einstein Brothers Bagels
• Ducks Unlimited, Inc.
•
•
Kansas City Chiefs
• Mills Corporation
• NASD
• Novellus Systems, Inc.
• Trizechahn
• Washington Post
• Wells Fargo Bank
• Weyerhaeuser Financial
• White Castle
• World Wildlife Fund
• Analysts International Corporation
• Identix
• Fender Music
Benefit Consulting and Administration
Thank You.
CBIZ… focused
on your success
Advisory & Tax
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Accounting Services
Tax Planning & Preparation
Sales and Use Tax Services
Tax Audit Representation
Business Consulting
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Benefits Consulting &
Administration
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Employee Benefits Plan Design
Retirement Planning Services
Web-based Benefits & Retirement Plan Management
Employee Communications
Health Management & Wellness Consulting
Employee Benefit Law/Compliance Consulting
Actuarial Consulting
Executive Financial Services
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Human Resource Consulting
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Compensation Plan Design & Administration
Discrimination Testing
Audits and ERISA Compliance
Development of HR Policies, Procedures and
Handbooks
Training
Individual Consultation
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Litigation Advisory Services
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Anti-trust
Bankruptcy
Civil and Criminal Tax Investigations
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M&A/Capital Advisory
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Sell-Side Advisory
Buy-Side Advisory
Investment Banking Services
Capital Financing
Financial Forecasting & Projections
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Marketing
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Collateral and Advertising Development
Communications Consulting
Market Research
Marketing Assessment/Strategic Planning
Website/E-Commerce Development
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Payroll Services
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Direct Deposit Services
Detailed Payroll reports
Pre-signed & enveloped paychecks
W-2 earning statements
Calculation & deposit of all state & federal
taxes
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Performance Consulting
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Business Performance Audits
Business Performance Metrics
Change Management
Communications Consulting
Leadership Training/Executive Consulting
Strategic Planning
Work Process Improvement
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Property Tax
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Real Estate Services
Personal Property
Property Tax Compliance/Administration
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Technology
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ASP Technology Solutions
Custom Software Development
CRM Software Sales and Implementation
E-Business Solutions
E-Benefits Solutions
Network Solutions Design & Implementation
Strategic Technology Planning
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Valuation Appraisal
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Financial Appraisal
Machinery & Equipment Appraisal
Real Estate Appraisal
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Risk Management Services
- RFP Design, preparation and implementation
- Design of Risk Management and Insurance Strategies
- Broker and TPA Selection Consulting
- Preparation of Risk Management Guides
- Surveys of Exposures
- Insurance Program audits
- Contractual Transfer Review
- Merger & Acquisition Due Diligence
- Litigation Support
- Disaster Recovery Planning and Implementation
- Insurance Archaeology
- Alternative Risk Financing Options
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