Our goal is to provide you various possibilities and enable you to develop knowledge of the current market place and trends.  Appleby & Wyman’s dedicated team of professionals makes it easy, streamlined, and affordable for you to offer your employees a benefit package that pleases everyone and delivers outstanding value.  Your assigned team will:

• Analyze premium and administrative fees charged based on the level of competition relative to the marketplace.
• Review and negotiate renewals.
• Analyze monthly claim activity and keep you well informed and prepared for renewals. We will continue to educate you about all options available, emerging utilization trends.
• Assist and coordinate wellness initiatives and strategies while we work with the carriers to help prevent future loss trends.
• Develop and design cost containment programs.
• Market all plans and administrative services, including bid specifications, negotiations with carriers and administrators, comparison of quotes received and delivery of recommendations.
• Analyze and negotiate year-end financial accounting.
• Examine and compare Funding Alternatives.
• Handle pricing and cost analysis of benefit plan changes.
• Interim financial reviews.
• Develop contribution formulas and assist in setting employee contribution levels.
• Review plan year tax savings of your tax preferred programs (i.e. Flexible Savings Accounts (FSA’s), Health Reimbursement Accounts (HRA’s), Health Savings Accounts (HSA’s).