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When developing and managing a corporate budget, the second largest expense are after employee salaries and equipment is benefits. From health insurance to additional benefits such as life insurance, dental, and disability income protection, these costs are significant and escalate annually. Typically, these rate increases grow at a proportion substantially higher than most company’s profits. Annual increases of 12%-14% have become expected with increases far higher not unusual.


Business presentation with stock optionsIt is a critical part of expense management to review your benefits plan designs each year looking at the near, mid, and long term. All too often, a company’s benefits structure is well suited to a small company but cannot be maintained when growth occurs and costs increase. Working with a qualified consultant to evaluate your plans and how they integrate with your business and it’s mission will prepare you for the long term.

At The Quantum Group, we have expertise and partnerships to identify the most cost effective group benefits available and develop a strategy to manage costs as you grow your business.



Employee Benefits Cost Containment

As employee benefits costs continue to escalate, managing those expenses have never been more critical. Voluntary, employee paid benefits offer a way to maintain and even expand current benefit offerings without adding any corporate cost. In fact, many such programs decrease an employer’s payroll tax each pay period, increasing the bottom line to the owner(s)/shareholder(s).

These benefits serve as recruiting and retention tools and provide a menu of options where employees may select only those benefits that they find pertinent and pay the related cost through payroll deduction. This group buying power creates a tremendous value-added proposition for employees that they recognize and appreciate. All product options enhance the existing portfolio of benefits and serve to create a comprehensive package.

Life Insurance   |   Disability Insurance   |   Long Term Care   |   Annuities