Consulting Benefits Administration Actuarial & Underwriting

Experienced, knowledgeable, and objective—let us do the work for you.

Our analytical tools, evaluation models, and experienced insight allow you to make informed benefit decisions.


Consultants are always just a phone call or email away. We are in touch when you need us, to help you identify and prioritize specific areas of focus for the year. We can provide Employee Education and Communications Assistance if needed, and will design and execute your benefits plan and wellness programs. Whether you are a two-person group or a large corporation, you can rely on us to answer all of your questions. Other services our consulting department provides include:

  • Benefit Strategies
  • Plan Design Analysis with Alternatives
  • RFP Development and Evaluation of Responses
  • Carrier Negotiations and Implementation of Changes
  • Review Contract and Certificate of Insurance documents
  • Underwriting and Actuarial Services as needed
  • Legislative Updates (State and Federal)
  • Preparation of Department of Labor Form 5500 Filings
  • Compliance Assessments
  • Wellness Program Design & Execution
  • Evaluation of Alternative Funding Mechanisms (ex. Self-funding or RX Carve-Out Analysis)
  • Employee Education and Communication Assistance
  • Benchmarking Analysis
  • Employee Satisfaction Surveys
  • Evaluation of Web-Based Systems for Employee Benefit Administration
  • Enrollment Audits
  • Merger & Acquisition Analysis
  • Executive Benefits
  • Renewal Analysis & Negotiation

If you answer “No” to any of the questions below, then you are not receiving the services that Brown & Brown Consulting delivers to all of our clients. Has your current insurance consultant:

  • Provided you with new strategies for your benefits program?
  • Identified conflict issues between the insurance contract and the certificate of insurance?
  • Engaged your company about the impacts of mergers and acquisitions?
  • Provided you with an internet system for benefits administration?
  • Conducted an employee survey and compared the results against industry norm?
  • Completed a compliance assessment of your plan to Federal and State regulations?
  • Managed the renewal process while marketing the renewal to other carriers and presenting alternatives at the same time?
  • Met with you to review your benefits program budget to help you design a long term strategy?
  • Drafted a Summary Plan Document (SPD) to satisfy your fiduciary responsibility?
  • Conducted open enrollment meetings?

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Benefits Administration

Our benefits administrators work directly with both our clients and our carriers, always working to best serve the clients in their needs. We can handle administrative tasks such as portal updates for new hires, terminations, life changes, open enrollment and COBRA, including timely follow-up on unresolved COBRA issues, Qualifying Letter Requests, and other important but time-consuming benefits-related administrative tasks. We can even train you on Carrier portal navigation, so that when you manage your benefits on your own, you’re maximizing your own time. As always, we welcome clients to contact our Benefits Administrators for any questions they may have concerning benefits or services, which may include:

  • Processing portal updates for new hires, terminations, life changes, open enrollment, and COBRA.  Refer inquiries to appropriate internal resources for resolution as necessary
  • Commitment to eligibility, benefit, and claim resolution and education
  • Coordinate with internal and external business partners to ensure COBRA Qualifying Event Letter requests are handled appropriately and in a timely manner
  • Timely follow-up on unresolved COBRA issues to ensure total customer satisfaction
  • Recognize and document recurring problems or trends and provide feedback to our clients and Brown & Brown management, when appropriate
  • Build and maintain client portals, such as B&B Online and HRConnection
  • Assist client/consultant with Open Enrollment preparation
  • Train client on Carrier portal navigation
  • Develop customer surveys

If you answer “No” to any of the questions below, then you are not receiving the services that Brown & Brown Consulting delivers to all of our clients. Has your current insurance consultant:

  • Handled the process of your eligibility enrollments and changes?
  • Provided a secure (PHI ready) email service to transfer data?
  • Provided an internet solution to help you manage your benefits program?
  • Sent essential bulletins on Healthcare Reform and other regulatory issues that may impact your benefits program?
  • Managed your COBRA program from election to processing to billing?
  • Composed customized employee communication material to be used at various times throughout the year?
  • Designed you an Employee Handbook?
  • Trained your HR department on the insurance carrier’s portal and the functionality it presents to your team?
  • Partnered with you to resolve issues with your plan’s insurance carriers?

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Actuarial & Underwriting

Our Actuarial & Underwriting department ensures that your costs are kept low by predicting and avoiding or minimizing company financial losses, keeping your benefits rates as low as possible. In addition, they provide actuarial serves for defined benefit pension plans, post-retirement welfare plans, and Medicare Part D actuarial attestation, as well as defined contribution retirement plan consulting/design and benefit statement preparation. Other services provided include:

  • Actuarial Services for Defined Benefit Pension Plans
  • Actuarial Services for Postretirement Welfare Plans (FAS 106 and GASB 45)
  • Medicare Part D Actuarial Attestation
  • Premium equivalency rates for Self-Funded Health & Welfare Plans
  • Incurred But Not Reported (IBNR) development for Self-Funded Health & Welfare Plans
  • Department of Labor 5500 Form Preparation
  • Defined Contribution Retirement Plan Consulting/Design
  • Benefit Statement Preparation

If you answer “No” to any of the questions below, then you are not receiving the services that Brown & Brown Consulting delivers to all of our clients. Has your current insurance consultant:

  • Provided actuarial services for your Defined Benefit pension plan?
  • Performed a Medicare Part D actuarial attestation?
  • Provided actuarial services for your Post Retirement FAS 106 and GASB 45 plans?
  • Conducted discrimination testing for your benefits and retirement programs?
  • Prepared your Department of Labor ERISA 5500 Form?
  • Developed the premium equivalents for your program?
  • Calculated the employee contribution strategy for your program?
  • Developed your plan’s benefit statements?
  • Monitored and analyzed the Incurred But Not Reported (IBNR) reserve for your program?
  • Helped you define the Defined Contribution retirement plan for your company?

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