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Employee Benefits

Attracting & Retaining Key Employees

In today's highly competitive marketplace, it's becoming increasingly difficult for business owners to attract and retain top talent.

Salary is no longer the sole compensation driver. Employees are also looking at an employer's overall benefits package and its potential to help address their real concerns of financially protecting their families in addition to adequately planning for retirement.

Talk to Us About Employee Benefits

Designing an Attractive Employee Benefits Package

The R4® Employee Benefits Division is structured to provide small and mid-sized business owners with a tiered benefits portfolio that will be customized to help recruit, reward, and retain key employees, while simultaneously implementing a cost-efficient benefits portfolio for non-key employees.

Our goal is to help overcome the challenges presented by the complexity of employee benefits. We will work with you to evaluate your company’s medical and non-medical benefits for cost-effectiveness. We will also develop voluntary benefit plans that allow your employees to purchase benefits at a more competitive group price. 

The different areas that R4® guides our clients and “Not Yet” clients are in the following areas:

  • Health Insurance

    • PPO, POS, EPO, & HMO Plans
    • Minimum Essential Coverage (MEC) Plans
    • Consumer Driven Benefits
    • Flexible Spending Account (FSA)
    • Health Savings Account (H.S.A.)
    • Health Reimbursement Arrangement (HRA)

  • Dental Insurance

  • Vision Insurance

  • Group Term Life and AD&D

  • Short Term Disability (STD) and Long Term Disability (LTD) Insurance

  • Voluntary Worksite Benefits

    • Accident
    • Hospital
    • Critical Illness
    • Whole Life & Universal Life Insurance

  • Voluntary Executive Benefits

    • Individual Disability Income Insurance (IDI)
    • Group Variable Universal Life Insurance (GVUL)
    • Group Universal Life Insurance (GUL)
    • Multi-Life Long Term Care (LTC) Insurance

1 The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. We are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.