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Brokerage Services for Insurance and Employee Benefits
CIGNA
Hartford
Highmark Stop-Loss
HCC Life Stop-Loss
Principal
Prudential
Guardian
Standard
SunLife
Mutual of Omaha
Met Life
Unum
The size of our clients depends on the servicing group working on the account. The group which will handle your
account has an average client size of around 1,500. At CBIZ, due to regulatory needs and carrier standards, we split
our accounts between our teams by the size of the client. An example would be that our accounts which have fewer
than 50 lives are handled by our small group team. We have an intermediate sized team which tends to handle our
accounts from 50 lives up to around 300. Our large group teams handle our accounts in excess of 300. The
regulatory and benefits market for these size segments differ dramatically, allowing each team to specialize in their
size segment.
At the onset of marketing your plans, our Specialist will gather all of your existing data and put together and RFP for
carrier services. Upon receiption of the bids, they will be organized based on relevance and worked to get as close
to where we need them as possible. As necessary, we will arrange a finalist meeting either in-person or
telephonicaly with our recommendations accompanying the meeting. Following the Carrier decisions, our team will
hold implementation calls on a weekly basis until enrollment occurs.
Carrier / Vendor Performance & Exchange Evaluation (Question 21 & 22)
The performance of our carriers and vendors is of utmost importance as it is a direct reflection of our
recommendations to Bradley Arant Boult Cummings. Our standard approach is to require providers (carriers) to
agree to specific performance guarantees. The guarantees on service, reporting, and problem resolution are
monitored by CBIZ on behalf of our clients. If the service is below standards and agreed upon service metrics are
not met, the carriers will pay a penalty as permitted in the guarantee. We are consistently monitoring the Carrier
performance through methods including, but not limited to: