Employee Benefits Solutions
Rathbun Sargent is more than an insurance broker. We tenaciously research options, going out of our way to customize creative employee benefits solutions that best meet your unique needs. We provide comprehensive advisory services and products that help optimize the health of your business and take care of your most valuable asset – your people.
Unparalleled Service & Support
Rathbun Sargent specializes in working with California-based businesses with up to 100 employees. Our clients usually don’t have a dedicated HR person, so whoever is handling benefits wears multiple hats and can feel overwhelmed. We partner with you to help alleviate this – simplifying the process, educating you so you can make smart choices and giving you significant support with implementation.
Benefits audit
During your benefits renewal period or any time of the year, we can analyze your existing benefits to make sure you’re getting the best plans and rates.
Open enrollment meeting
We will hold an in-person or remote meeting during open enrollment, to orient your employees to their benefit options and answer any questions.
On-site or remote onboarding of new employees
When you have new hires, we’re here to help them understand and select their benefits.
Help with terminations/COBRA
We can explain the options to departing employees and provide administrative support for their transition to COBRA or other benefit options.
Problem resolution
If you or your employees have issues with billing, getting claims paid or anything else, we go out of our way to help get them resolved.
Accessible for day-to-day questions
A helpful, friendly voice is just a call, text or email away. We won’t leave you hanging.
Insurance
Group
Health Insurance
(Medical, Dental & Vision)
Life Insurance
Disability + Long-Term Care Insurance
Working with Rathbun Sargent will help keep you informed and stay in compliance with current rules governing your benefits plans. Whether it’s regarding Health Care Reform, ERISA, or HR, we give you the tools and resources to help you address your responsibilities, while keeping it simple.
With our extensive knowledge and experience in insurance and financial services, we provide comprehensive advice on insurance and accompanying tax savings. Your goals, industry, budget, taxes, number of employees, turnover and carrier flexibility are some of the key factors we use to thoroughly explore health, life, disability, and long term care insurance options available. This process results in a customized employee benefits portfolio best suited to your organization.
Retirement Planning
Retirement planning helps your employees with tax savings while enabling a better financial future. Your objectives and other variables specific to your business influence retirement planning strategies. We can educate you on what to consider in these decisions, such as traditional 401K plans, SEP IRAs and Simple IRAs, employer matching, and factors that are important to consider to make sure you are in compliance with the Employee Retirement Income Security Act (ERISA). Rathbun Sargent also has significant experience with other vehicles such as deferred compensation plans and 403(b) plans.