A good broker wears many hats in the service of their clients and goes well beyond just providing rates and getting everyone enrolled. Arrow provides expert needs analysis along with product knowledge to help you design, manage and make the most of your benefits as well as answer questions and eliminate confusion in what is becoming an increasingly complex arena.

Needs analysis: getting to know your business and learning what’s most important to your group with targeted information gathering. 
Strategic benefit design: leveraging our product knowledge and insurance expertise to meet those needs. 
Cost containment:  rest-assured we’ll respect your budget while we create plans that make your employees happy and improve your bottom line (we do this every day).
Accessible, hands-on service: no more call centers or sitting on hold with providers, call us directly to let us handle it and get it resolved more quickly.

HR Resources: take advantage of our alliances with trusted partners and platforms designed to make HR easier - here is just some of our partners below!
Information Integration: let us show you some solutions that can really alleviate employer stress! 
Employee Communication: goes hand in hand with compliance and we can assist with streamlining this process.  Are your employees getting the information they need, when they need it?
Advocacy: great benefits are only as valuable as the ability to access and use them.  Arrow’s expertise makes us a valuable advocate when the need arises.
Compliance:  this underpins EVERYTHING you do as an employer.  Are you doing everything you can to protect yourself?

Not a client, but curious now if your current plan is making the best use of your budget, if there are better ways to meet you and your group’s needs, or just have some questions about compliance or new insurance products? Arrow is happy to talk with you!

Benefit design is where we shine

When it comes to designing benefits, a good broker should be able to:

  • Provide accurate, competitive quotes
  • Help employees determine what coverage they need
  • Design plans that meet the needs of your group
  • Respect and maximize your budget to ensure everyone gets the most for their money

Only a broker who understands your goals, has an expert-level product knowledge and an understanding of how insurance features work at the time of service (and how they can work TOGETHER to mitigate risks and out-of-pocket costs) can accomplish all this. This is our specialty, just need some key pieces of information from you early in the design process.

Benefits can account for 30% or more of total employee compensation and play a significant role when job candidates make their decisions. How employees feel about their benefits contributes to morale and productivity, all of which can impact your bottom line. That's why we’re focused on designing benefits that meet the needs of your group, attract the kind of talent you want and deliver the many benefits to your organization of having happier, more productive employees. 

1. Cost Analysis: determine your budget for employee benefits/how much you would like to contribute.  Weighing all factors, including balancing your desired benefits budget with the knowledge that employee satisfaction factors HEAVILY into your bottom line.

2. Deciding which benefits you want to include in your plan:

  • Medical/dental/vision
  • Paid time off (vacation, sick, holidays)
  • Retirement savings options 401(k), 401(b)
  • Flexible or Health savings accounts
  • Life insurance/disability
  • Work/life balance perks (flex hours, remote work, professional development, clubs/activities, food/beverage, gifts)
  • (Keep in mind that certain benefits are required by law, such as Unemployment, Workers' Compensation, COBRA, Short-term disability, Leaves of absence, Disability and Social Security)

    3. Analyzing total compensation: everything from bonuses and commissions to profit sharing, tuition reimbursement, childcare, commuter benefits, technology benefits, even gym and club memberships. 

    4. Finalizing your benefit plan: after creating your budget and deciding which benefits to include in your package, it is time to finalize your plan before rolling it out to employees.

    5. Considering external resources that can help you manage critical aspects of benefits like HR, administration, compliance, and employee communications. Part of Arrow's service to you is assisting with benefits management and providing you with access to partners who specialize in these arenas. 

    6. Rolling out the plan to employees.  You will not have to go this alone.  Arrow is by your side during enrollment and follow up to ensure your employees fully understand/can access their benefits and know where to go to get any questions answered.

Arrow's product offerings

It’s not just about offering various lines of coverage. We can’t state this enough, it’s about knowing how those different features within the lines of coverage are going to work together to meet your employees’ everyday needs and look out for their long-term interests, with a focus on mitigating total out-of-pocket costs and overall financial risk exposure. Having a benefits expert on your side is essential. You want happy employees and an improved bottom line. There are increasingly complex compliance considerations. Ask yourself this question - Would you fly a plane without a license?

  • Medical
  • Dental
  • Vision
  • Group Life
  • Short-term Disability
  • Long-term Disability 
  • Voluntary benefits that can fill in any gaps

Arrow wants to make you aware of all the products available to you. We'll show you tools we that can strategically build into your plan that can greatly mitigate risk exposure and help pay for what would otherwise be out-of-pocket costs. These voluntary benefits can, for very little additional cost, enhance even the most affordable plans to create an experience for your employees commonly only associated with very expensive benefit packages. Intrigued?