Group Benefit Plans: Market Intelligence and Trends
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1 EMPLOYEE BENEFITS BUILT BEST EMPLOYEE BENEFITS BUILT BEST Group Benefit Plans: Market Intelligence and Trends 1
2 Yesterday vs Today Growth ATTRACTING and RETAINING employees Dealing with Turnover Enhancement of benefits 100% employer costs Increased benefit limits Flexibility Managing Costs Managing Costs Managing Costs 2
3 3 Times are different today
4 Ways to manage costs Market Survey Cost Sharing Benchmarking Vesting So competitive Er vs EE pay Change plan design DPSP Race to the bottom Good timing Plan maximums Pension Plans Buying the business Tiering strategy Group RRSPs Unsustainable 4
5 1. Market Survey RFP is the EASIEST strategy because it is so competitive Least disruptive strategy Good timing Race to the bottom The problem is it s unsustainable Still a viable short term solution 5
6 2. Cost Sharing To make employment more attractive, some employers paid 100% of the cost of the benefit program. In good times, it s easier to pay for 100% of the benefits but when employers are looking at cost savings measures, one of the strategies is to implement cost sharing on the benefit plan. It s not always ideal but its more common because of timing. 6
7 3. Change the Plan Design Again, it s not always ideal to lower or remove benefits but in some cases, it s an economic reality to consider. Reducing level of coverage (100% to 80%) Maximum plan limits Eliminating Benefits Orthodontics Vision care Health care spending account 7
8 4. Vesting What is Vesting? Employer control over contributions Manages the cost of high turnover How to employ vesting? Group RRSP vs Pension vs Group RRSP 8
9 Costs of Group Retirement Plans The main / only cost to the employer is the cost of matching contributions The nice thing about group retirement plans is the cost is stable and predictable and flows with economic times All other costs / fees are built into the investments and therefore paid by the employee Investment Management Fee (IMF) 9
10 LOW Fees Matter Retail Investment Gross return = 7.5% Fee 2.5% Group Plan Gross return = 7.5% Fee 1.25% Investor Return 5.0% Investor Return 6.25%
11 What are your group benefit issues? Attract, reward, retain Corporate Culture Turnover HR philosophy Total Compensation Culture / Philosophy Plan Design Benchmarking Plan competitiveness Plan review Tieringof benefits You Broker Relationship Employer support Problem resolution Employee support Enrolment / Claims Communication Service / Support Pricing / Cost Financial Model Market Tender EE/ER cost share Plan Design
12 What are your group benefit issues? Attract, reward, retain Corporate Culture Turnover HR philosophy Total Compensation Culture / Philosophy Plan Design Benchmarking Plan competitiveness Plan review Tieringof benefits You Broker Relationship Employer support Problem resolution Employee support Enrolment / Claims Communication Service / Support Pricing / Cost Financial Model Market Tender EE/ER cost share Plan Design
13 What are your group benefit issues? Attract, reward, retain Corporate Culture Turnover HR philosophy Total Compensation Culture / Philosophy Plan Design Benchmarking Plan competitiveness Plan review Tieringof benefits You Broker Relationship Employer support Problem resolution Employee support Enrolment / Claims Communication Service / Support Pricing / Cost Financial Model Market Tender EE/ER cost share Plan Design
14 What are your group benefit issues? Attract, reward, retain Corporate Culture Turnover HR philosophy Total Compensation Culture / Philosophy Plan Design Benchmarking Plan competitiveness Plan review Tieringof benefits You Broker Relationship Employer support Problem resolution Employee support Enrolment / Claims Communication Service / Support Pricing / Cost Financial Model Market Tender EE/ER cost share Plan Design
15 Why Clearpoint? SPECIALIZED EXPERTICE CLIENT CENTERED APPROACH NEGOCIATING POWER TEAM OF EXPERTS BENEFIT and MONEY PLAN COORDINATION 15
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