The world we live in today is complex, driven by information overload and access to information at the speed of light. We depend on certain events to occur and if they don't, our world is shaken. Every day, employers are expected to make decisions that affect their business: hiring new employees, influencing employees' attitudes about the company, determining business decisions that impact employee productivity and retention. Each of these workplace factors influence employee attitudes -- and therefore affect an employer's bottom line.

Each employer has a unique corporate culture and personality associated with its workplace that influences employee behavior, performance, and attitude. Employees' salaries and benefits significantly impact how they view their jobs, their value as an employee and the perceptions of their employer.

Employers use their benefits program as a business tool to attract and retain their most valuable asset: employees. Their benefits decisions begin with understanding the dynamics that influence the workplace and how employees feel about their employer. Employee attitudes and workplace dynamics directly influence benefit plan costs, employee productivity and business profitability.

It is important to be well informed before making critical business decisions, especially those that impact your employees and ultimately your business results. CBG offers employers risk management services that use risk assessment tools to quantify specific business needs. A risk assessment provides the employer with a diagnosis or report card on areas for improvement that can directly impact benefit plan costs.

Our menu of risk management services is designed to help employers make better business decisions and reduce costs, including:

• benefit technology assessment - helps determine appropriate technology platform.
• contract & policy review - review of all benefit plan documents and SPD's.
• procurement - RFI and RFP preparation, vendor selection, performance agreements.
• administration & self-service assessment - HR outsource, vendor intervention.
• risk management tools- disability claim & reserve analysis, incidence/claim review, RTW study, plan funding, plan design review.
• ad-hoc - employee surveys, 5500 compliance, renewal review, management reports.

Through these types of tools, CBG helps employers identify key areas that can influence their benefit programs and develop strategies to help achieve improved results. Our objective is to help employers find the best solutions to their employee benefit plan needs that can help reduce benefit plan costs, provide flexibility and choice to employees, and improve overall employee understanding and appreciation of their benefits.