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HAVING PEACE OF MIND THAT WON’T LEAVE YOU OUT OF POCKET

Managing voluntary benefit services can be a distraction for business owners and human resource professionals. Through ERG, we wish to help cut down on extra time spent managing these services, while still providing a high standard in the workplace for better retention of employees. Our main services for employers include:

  • Voluntary Benefits
  • Section 125
  • Defined Contribution

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VOLUNTARY BENEFITS

Offering quality employee benefits is now more important than ever in maintaining a loyal workforce. We also understand that business owners and managers could better spend their time doing what they do best rather than managing employee benefits.

Your employees can choose from a number of voluntary benefits, including:

  • Disability insurance
  • Vision insurance
  • Life insurance
  • Critical care insurance
  • Accident insurance
  • Medical bridge insurance
  • Cancer insurance
  • Identity theft insurance
  • Dental insurance

WHY VOLUNTARY?

Offering voluntary benefits is the perfect solution to building an employee package that will attract and retain a committed, loyal workforce. And it doesn’t cost your business a dime.

Advantages of voluntary benefits include:

  • No cost to your business.
  • Reduction in employee complaints.
  • Reduction in health-care expenses.
  • Pretax payroll deductions reduce payroll taxes for businesses and employees.
  • Financial security in the case of disability or long-term illness.
  • Increased employee loyalty.
  • No hassle because we handle everything from consultations and sales to customer service.

LET US HELP YOU FIND THE PERFECT VOLUNTARY BENEFITS PACKAGE TO PROTECT YOUR EMPLOYEES AND THEIR FAMILIES

SPEAK TO AN AGENT

SECTION 125

Section 125 plans provide an easy and effective way to add
employee benefits, especially for businesses with multiple
employees who regularly have medical and childcare expenses. Employees can deduct their insurance premiums pretax and set aside pretax funds to use toward qualified medical and
dependent care expenses. For business owners, this means
decreased company payroll and tax liabilities.
  • Premium Only Plans (POPs)

In combination with group health insurance, POP plans pay a portion of employees’ insurance premiums on a pre-tax basis, which reduces their taxable income and helps them save on FICA, federal, and (where applicable) state and local taxes. As a result, a POP reduces the income amount used to determine your payroll taxes as well.

DEFINED CONTRIBUTION

The general concept of a Defined Contribution Plan is that a company gives each employee a fixed dollar amount that the employees choose how to spend. The amount typically is either a percentage of an employee’s salary or a specific dollar amount. More and more employers are looking towards defined contribution plans as a solution to tailor a fair benefits package and have a fixed monthly cost.

Some benefits include:

  • Employer controls fixed cost.
  • Affordable alternative to employer sponsored group plans.
  • Employees choose their own benefits portfolio.

I LOVE THAT WE CAN “SHOP AROUND” IN ONE PLACE!

I have really enjoyed doing business with ERG. Mike Duplantis has been very informative and helpful in getting all of our employees the coverage they need in a variety of voluntary benefits. He is always available for questions and is eager to help with anything I need. I love that we can “shop around” in one place. And he does all the work for me!”

Danna Lastrapes | Bookkeeper

Baton Rouge Ear Nose & Throat Associates

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