Employee Benefits Brokerage Services

Employee Benefits

Brokerage Services

Providing the latest resources, technology,

Who we are

Ironwood is an Atlanta based, privately held firm specializing in employee benefits

consulting and commercial insurance brokerage. We differentiate ourselves from

our competition by having the resources of large national consulting firms while

providing proactive, high touch customer service for each client. The majority of our

employees have over 20 years of experience in the industry with virtually no turnover.

Our client retention rate is over 98%. While based in Atlanta, Ironwood has client

relationships across the country. Additionally, Ironwood is committed to giving back

to the community by donating 1% of our top line revenue to the Ironwood Charitable

Foundation, which benefits local human needs based organizations.

PIEDMONT

DRIVING CLUB

Ironwood is a member of

Benefits Advisory Network

(BAN). Our agency and the

affiliated agencies employ

more than 1,000 professionals

who serve clients with over 2.5

million employees and manage

approximately $250 million in

ancillary spend and $16 billion

in medical and drug spend.

This experience translates into

bringing the best thinking in the

country to create innovative,

cost-effective benefits

packages tailored to keep your

company among your industry’s

leaders.

Who we

serve

Consulting & Strategy

□ Dedicated team of professionals including: Benefits Consultants, Data Analysts, Senior Account Executive, Account Associate,

Communications Director, Wellness Coordinator, Human Resources Consultant

□ Benefits assessment including plan, contract and vendor review and cultural analysis

□ Development of strategic project plan to support long term benefits roadmap

□ Customized benchmarking and demographic risk profile analysis

□ Health plan and claims analysis including, but not limited to: cost modeling, renewal calculations, budget projections, contribution strategy, stop loss analysis, and claims utilization analysis □ Quarterly financial stewardship meetings □ Dashboard budget reporting

□ Monthly carrier reporting snapshot

□ Annual health plan marketing, analysis, review and recommendations

Ironwood Marketplace

□ Decision support technology for initial enrollment and ongoing administration

□ Fully customizable

□ Benefits administration solution □ Defined contribution platform

□ Electronic Data Interchange (EDI) with numerous

Data Analytics

□ Monthly data integration into data warehouse (composed of medical claims, pharmacy claims, biometrics, health risk assessment and worker’s compensation data)

□ Preliminary report to identify risk mitigation opportunities and provide recommendations □ Standardized report every two months □ Pre/post annual report to provide

recommendations and measure changes related to baseline

□ Semi-annual onsite consulting plus telephonic consulting as needed

□ Implementation and project management of recommended strategies and solutions □ Customized ad-hoc reports

Legal & Compliance

□ ACA guidance, education, and “pay or play” analysis

□ Labor and Employment legal hotline - One hour per month at no charge (employment law, benefits law, other plan related support)

□ Coordination of 5500 filings

□ Customized electronic compliance calendar and proactive guidance

□ Annual review of Summary Plan Descriptions (SPD’s)

Trusted Advisor Providing

Human Resources Support

□ Call center support, online forms library, HR training

□ Onsite support for projects, surveys, training, and other HR initiatives □ Leave Management strategy □ HIPAA compliance and training □ Employee Surveys

□ Employee handbook assistance

□ Assistance with discipline or termination issues

□ Detailed I-9 form review

□ Family and Medical Leave Act (FMLA) compliance

□ Fair Labor Standards Act (FLSA) compliance

□ Conflict resolution

□ Review of Human Resources policies and procedures

□ Training for Supervisor and/or Managers (including, but not limited to harassment, diversity, FMLA, discrimination-EEO, ADA)

Wellness

□ Outcomes based strategies designed for population health management

□ Review of current wellness goals and practices

□ Vendor selection and coordination (i.e., biometric screenings, health risk assessments, tobacco cessation, wellness platform, etc.)

□ Develop and launch wellness surveys □ Health fairs

□ Employee education including monthly newsletters

□ Nutritional education □ Weight loss challenges

□ Stress awareness and management

Benefits Administration Support

□ Claim and plan level support for participants (i.e., denied or inaccurate claim appeals, ID card issues, and other general participant level advocacy)

□ Day to day support and service at both employer and employee levels

Employee Education and Communication

communication collateral (including, but not limited to):

◦ Open enrollment materials

◦ Benefit Summary for new hires and/or recruiting

◦ Annual open enrollment benefit guide(s) ◦ Targeted, customized messaging (including,

but not limited to wallet cards, posters, payroll stuffers, new hire packets)

◦ Conduct and coordinate open enrollment meetings with both client and vendors □ Create New Hire Enrollment presentation with

voiceover guidance and explanation □ Work with HR team to communicate and

implement renewal decisions

□ Conduct employee lunch and learn sessions

Pharmacy Solutions

□ Contract review

□ Pharmaceutical analysis and guidance

□ Therapeutic equivalent and formulary analysis (if appropriate)

□ Pricing guarantee RFP (if appropriate)

Captive Solutions

□ Aggregated Advantage: ◦ Better Underwriting

◦ Leveraged Purchasing Power ◦ Risk Distribution

□ Individual Autonomy - Choose/Maintain your: ◦ Insurance Levels

◦ Provider Network ◦ Benefit Structure ◦ Plan Year

Mobile App

□ Employee Benefits Elections □ ID cards and Carrier Contacts □ Benefits Summary Information □ Important Messages

Partner/Benefits Consultant

□ Responsible for short and long term benefits strategy

□ Financial analysis and quarterly stewardship □ Leads the team needed to support current and

ongoing needs for client □ Carrier negotiation

Senior Account Executive

□ Financial Analysis and Quarterly Stewardship □ Renewal & Contribution Strategy

□ Open Enrollment Presentation & Meetings □ Day to Day tactical support

□ ACA guidance & education □ Compliance

□ Coordinates Implementation □ Acturial support

Account Associate

□ Claims Advocacy for employees and their dependents

□ Benefits Administration

□ Support to Senior Account Executive

Wellness Consultant

□ Develops short and long term wellness strategy □ Coordinates health fairs

□ Lunch and Learns

□ Outcomes based strategies

Human Resources Consultant

□ Extension of Human Resources department for day to day questions/issues

□ Manager/Superviser training □ Employee Handbook Review □ Employee surveys

□ FMLA & FLSA compliance

Communication Director

□ Designs, develops and prints customized Employee Benefit Guides, Open Enrollment presentations, onboarding materials

□ Works with Wellness Consultant to develop Wellness logo and slogan

What our

clients say

With our growth, it is critical that we are proactive and consistently reviewing our healthcare spend. The Ironwood team meets with us on a regular basis to review the claims utilization, measure benchmarks and evaluate funding alternatives. As a result, we have been able to identify trends and communicate with associates on alternative forms of quality care that are more cost effective.

The team at Ironwood brings us consistent value and new ideas while differentiating themselves with their independent objectivity. Therefore, our organization has experienced renewals well below industry average. Our total increase for all lines of coverage (medical, pharmacy, dental, vision, disability and life insurance) has averaged 5% since 2001. It has been a please partnering with the Ironwood Benefits Advisory Team.

- SEI/Aaron’s, Inc.

Director of Human Resources

Ironwood is delivering products and services that help us serve our employees better. Everyone on their team (from our primary broker contact to their on-staff nutrition guidance counselor) has been very quick and diligent in getting us the information and advice we need to help us make educated business decisions. They are trusted resource that we can rely on.

- Columbia Property Trust