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Unipres U.S.A. Employee Benefits Brokerage and Consulting Services RFP
Please see Exhibit L for a Sample Benchmarking Report. There is no additional cost for access to the survey
information listed above.
d. Cost Projections - projecting plan cost and assisting with budgeting requirements.
Throughout the review and strategic planning process our team will expose you to innovative cost and risk
management services. The placement or “brokering” of insurance is the easy part of any engagement. Our value
comes from knowing how to execute the right cost containment tools to achieve the best possible outcomes. This
combined with solid actuarial services allows our clients the best chance to predict and project financial outcomes.
Actuarial services include, but are not limited to:
Funding analysis (comparisons) including fully-insured, self-funding and alternative funding strategies
Funding rate development
COBRA rate development
Reserve analysis
Monte Carlo simulations for reinsurance projections
FASB
VEBA or other trust related reserve analysis
Medicare replacement programs
Retiree health care liability analysis
e. Actuarial Services - development of funding rates, COBRA rates, IBNR, plan design modeling, utilization
analysis/cost drivers, contribution modeling and trend analysis.
Actuarial Expertise and Services
CBIZ provides a wide array of actuarial services that support and supplement our benefit consulting practices. Your
CBIZ consultant and actuarial team will dissect the utilization and cost data provided by your vendors to assess
what's driving plan costs. CBIZ is unique in the fact that we have benefit actuaries on staff to help our clients’ better
budget and prepare for health care costs each year. This team will provide a wide array of actuarial services that
support and supplement our benefit review and analysis. Our actuarial team will help analyze your current plan costs
against the marketplace, develop actuarially sound premium equivalent rates, analyze carrier renewals, and develop
an actuarially sound contribution structure. The team will identify the issues driving plan costs and recommend
responses that are tailored to address the causes.
Services include:
Health care actuarial services including financial projections for funding, contributions, plan design and
migration, with particular emphasis on best positioning for health care reform
Actuarial, accounting and consulting support for post-retirement medical programs of private sector
Medicare Part D certifications
Healthcare Reform Financial Impact study