EMPLOYEE BENEFITS
Employees are the primary asset of any successful business. That’s why TWIW works diligently
to develop the most targeted, cost-effective employee benefits programs that will help attract and
retain talented, competent staff.
Starting with a detailed needs analysis, our seasoned professionals work with you to design an
employee benefits program that fulfills your expectations and keeps your employees motivated. Our
brokers are problem solvers with a thorough understanding of the product lines and policies you
depend on and the issues you face on a daily basis—issues such as rapid claims resolution, proactive
cost control, employee education and staying competitive.
We add value to our client relationships by offering exceptional resources that go beyond your
typical broker-client relationship. For example, we keep you updated on legislation that impacts
your employees and help you stay compliant with COBRA, FMLA, HIPAA and other guidelines.
In addition, our long-standing partnerships with top-rated carriers help us negotiate the broadest
coverage at the most competitive rates.
Our Employee Benefits team can facilitate a variety of services, including:
• Group medical, HSA’s, HRA’s, fully insured and alternative funding methods
• Administration of COBRA benefits
• Administration of Section 125 Flexible Spending Plans
• Referral and presentation of Human Resource support services, ranging from employee handbook
design and labor law counsel referrals to professional HR consultation
• Form 5500 preparation for group insurance products.
Let TWIW design a cost-effective employee benefits solution that delivers the products, service and
value your employees deserve. | 
