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Support Documents

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Employee Benefits Channels

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Employee Benefits Consulting Services

Data Collection: Research and Analysis

  1. Employee Enrollment and Demographic Data
  2. Review of Employment Trends; potential changes in workforce
  3. Plan Utilization Data Review
  4. Employee Survey Instrument Design and Implementation

Review of Plan Design and Rates

  1. Evaluation of Current Benefits Program; impact of managed care initiatives
  2. Develop Carrier Specifications
  3. Eligibility, Contributions, Cost Trends
  4. Claims Experience
  5. Assessment of Cost Containment Strategies
Financial Projections
  1. Using Forecasting Models; to project costs associated with various plan options
  2. Funding Methodologies / Contribution Strategies
  3. Effectiveness of Flexible Spending Accounts
Cost Containment Strategies / Risk Management
  1. Integrated Health Data Management System
  2. Health Promotion; comprehensive health risk and lifestyle assessment
  3. Claims Profile (medical, disability, Workers' Comp, MH/EAP)
  4. Employee Communications

Employee Benefits Channels

Areas of Specialization

Employee Benefits

Daniel, Russell & Charles Company (DRC) was established to provide an array of quality consulting and business brokerage services to private companies, public companies, and government agencies that have a need for the services that are offered and provided by DRC on a comprehensive and economical basis. These services are carried out by experienced members of DRC and its Associates in collaboration with members of the insurance and investment communities who work closely with the company across the nation.

Daniel, Russell & Charles Company's business consulting activities include providing service products and services to clients that meet industry standards and specific business needs. The services that are offered and provided by DRC have taken it and its' Associate members across the nation to private and public companies, and to government agencies as a well received diversified consulting and brokerage firm.

It is DRC's primary focus and responsibility to offer and to provide services that are tailored to meet the growing demands of Employee Benefits, Estate Planning, Retirement Planning, and Finance programs of its clients. For example, study after study continue to show that perspective employees weigh in on the benefits that an employer might otherwise offer when making its decision to structure its benefits package for its employees. Employees believe that an employer's benefits package is important to their overall compensation and that it is a direct reflection of its level of commitment to them as valued employees.

The objective of DRC as consultants and brokers is to provide representation to various insurance carriers on behalf of the employees, benefits administrations, and the union of different companies or organizations. In these types of situations, DRC will perform the following services:

Specific service products may include any one or a combination of the following, but may not be limited to one of the following:

Group/Individual Insurance

Disability Insurance