Benefits FAQ

Yes. Envision Benefits Group is a full-service employee benefits brokerage and consulting firm. In addition to benefits administration and technology support, we act as your broker of record—representing your interests with insurance carriers and vendors.

This allows us to manage your benefits program strategically and operationally, rather than handing off administration after the sale.

As your benefits broker, we provide the full range of traditional brokerage services, including:

• Carrier and vendor relationships
• Market analysis and benchmarking
• Renewal negotiations
• Plan recommendations and strategy
• Compliance support
• Ongoing carrier advocacy and issue resolution

We combine these services with hands-on administration and employee support, so nothing falls through the cracks.

Yes. Renewal management and negotiation are core broker services we provide.

Our renewal support includes:

• Early renewal analysis and forecasting
• Market benchmarking and plan comparisons
• Carrier negotiations on rates, plan design, and terms
• Strategic recommendations to manage cost increases
• Support with plan changes and implementation

Our goal is to help you make informed decisions—not rushed ones.

Yes. When appropriate, we manage a structured RFP process to ensure you are receiving competitive pricing and plan options.

This includes:

• Developing and issuing RFPs
• Coordinating with carriers and vendors
• Reviewing and summarizing proposals
• Presenting side-by-side comparisons
• Supporting final selection and implementation

We support a broad range of employee benefit programs, including:

• Medical, dental, and vision
• Life and disability insurance
• Voluntary benefits
• HSA, FSA, HRA and other employer-sponsored plans

Our approach ensures strategy, administration, and employee communication stay aligned.

Traditional brokers often focus on the renewal and enrollment cycle, leaving employers to manage administration and employee questions internally.

Our approach is different:

We stay involved year-round, not just at renewal
We support ongoing administration and employee questions
We help align benefits with payroll and HR processes
We focus on long-term strategy, not just annual pricing
This reduces administrative burden and improves consistency.

Yes. We support:

New hire enrollments
Open enrollment processing
Life event changes (marriage, birth, divorce, loss of coverage, etc.)
Terminations and eligibility updates
This ensures elections are processed accurately and on time.

We provide structured, employee-focused support to improve understanding and participation, including:

Open enrollment planning and timelines
Employee meetings or virtual education sessions
Benefit guides and comparison tools
Ongoing Q&A support
Clear education reduces confusion, errors, and post-enrollment issues.

Yes. As both broker and administrator, we provide ongoing employee support for:

Benefit questions and plan navigation
Claims advocacy (as appropriate)
Eligibility and coverage questions
This takes pressure off internal HR teams.

We help ensure benefits elections and payroll deductions stay aligned by:

Supporting deduction setup and updates
Assisting with deduction research and corrections
Coordinating eligibility and deduction alignment
This reduces payroll errors and employee frustration.

Benefits administration technology is provided to support enrollment and ongoing management—at no additional cost.

Technology may include:

Online enrollment and life event workflows
Employee self-service access to benefits information
Administrative dashboards and reporting
Secure document management
Technology is meant to simplify administration, not replace guidance.

Yes. Integration options may include:

Payroll integrations
Eligibility and deduction data feeds
API connections (availability varies by vendor and system)
We help evaluate and coordinate integration options based on your needs.

No. Our brokerage and administration services are well-suited for:

Small and mid-sized employers
Growing organizations
Multi-state employers
Employers with limited internal HR resources
Support scales based on your workforce and complexity.

When brokerage and administration are disconnected, issues often go unnoticed until they become costly.

Our integrated approach helps:

Reduce eligibility and billing errors
Prevent payroll deduction mistakes
Improve employee understanding and utilization
Avoid reactive, last-minute renewal decisions
This often saves employers significant time and money beyond premium negotiations alone.