Before Emerling Floss Murphy & Associates starts quoting plans for its clients, we spend time and effort understanding the business while building competitive benefits packages. We compare the benefit features within their industry, geographic area, and company size.
A proper analysis of the cost for health insurance starts with a review of your coverage group. A document called a benefits census is commonly used to identify the gender, age, and coverage level (employee only, employee plus spouse, employee plus children or family) of each person in the group. This information allows the bottom line comparison on pricing for both the employees and the employer.