Products and Services

Benefits Consulting for High Deductible Plan Design & Administration

• Medical Expense Reimbursement Plans (MERP)
• Health Reimbursment Accounts (HRA)
• Health Savings Account (HSA) administration with Debit cards
• MERP Plan of HSA Medical plans
• Online services available for all the above

Section 125/ Cafeteria Plan

• Full Cafeteria Plan design to coordinate with clients personal plan, including options of Premium Only, General Purpose FSA, Limited Purpose FSA, "Over the counter" OTC & Ortho options, Dependent Care and HSA's
• Flexible Spending Accounts (FSA)
• Full Flex Credit Based Plans
• FSA Debit Card with IIAS compliance

COBRA Administration

• Full service COBRA online
• Initial Cobra Notice preparation
• Employee deals directly with BDS in their COBRA transactions, relieving HR of these responsibilities

Welfare Plan Documents

• 5500 Filing - Regular and Voluntary Correction
• Wrap Plan Documents

Brokerage and Consulting Services

• Design of Benefit Plans
• Implementation of Programs
• Forecast of Future Costs
• Monitoring of Claims Experience
• Product/Carrier Analysis
• Employee Benefit Communication
• Negotiation of Rate Renewal
• Contract Reviews
• Assistance with Claims

Voluntary Benefits

• Health Insurance
• Dental Insurance
• Life Insurance
• Long Term Care
• Disability Insurance
• Vision
• Critical Illness

Executive Benefits

• Life
• Long Term Care
• Split-Dollar
• Buy-Sell
• Disability
• Supplemental Retirement
• Key-Person