Client Resource Center

This is a great resource for you and your clients and it's FREE! Important information on regulations and key changes in the industry are searchable as well as training videos that your clients can use for topics such as sexual harassment, OSHA and more.

Compliance Website

One of the most crucial services that a broker provides their clients is assistance with compliance. That is where we excel! Our dedicated compliance department not only keeps you up-to-date with newsletters and seminars, we help you ensure your clients are in compliance as well. We will either prepare electronic copies of all of the required documents for your client's renewal or build a compliance website where all of the documents are housed.

Employee Benefits Websites

Employees need access to their benefit information 24/7/365.  With Edge 5.0 we will help you build a website that has all of that information as well as links to key places on each carriers' website. All of the applications, claim forms, Summaries of Benefits as well as the required compliance documents are housed on the site as well.

Online Enrollment

Whether you have a small group or a large group, online enrollment takes benefits administration to the next level. Employees enroll through the site for all of their benefits and then the enrollment information is fed to each of the carriers - virtually eliminating those lost applications. Certain carriers have size limitations and some vendors - like 401k - won't take a feed but for the majority of benefits offered, this makes both Open Enrollment and year-round new hires and changes a breeze. The cost of this resource varies and includes the Employee Benefits website. Ready to see a demonstration of this technology? Contact us about online enrollment today.

Total Compensation Statements

Total Compensation Statements are a great way to show employees the value of their employee benefits. If your client's want their employees to see their "hidden paycheck" we can help. For only 7% of your health commission and the data we need, we can prepare these statements for your groups that ask for them. See a sample statement here.

HR Consulting

Running a business presents many challenges, and some of those may be things in which you are not licensed or trained. That's where our HR Consulting and Outplacement Services can help. Our team of certified HR professionals can help your clients with Employee Handbooks, surveys, Job Analysis or assistance of resume preparation, and instruction on interview skills for terminated employees. Cost is based on services needed.Ready to talk? Contact our HR Consultants to learn more.


In addition to reporting, new regulations surrounding the ACA require that most employers utilize the service of a payroll company. Employers must now file several documents for which they'll need to know the number of full time equivalents on a monthly basis along with what benefits they are offered, whether those benefits are affordable and who enrolled in the plans. Towne Benefits has partnerships with several payroll companies that can help. Ready to talk payroll options for your clients? Contact us about payroll now.

Human Resources Information System (HRIS)

Towne Benefits partners with leading HRIS companies that combine our industry expertise with a comprehensive, single database to manage all of your client's HR, benefits, and compliance needs. With onboarding, payroll automation, time & attendance, online enrollment and analytical reporting - these HRIS systems will make life easier on your clients. Contact us about HRIS now.

POP (Premium Only Plan)

If your clients aren't running employee benefits premiums through a Premium Only Plan (POP), they're costing their employees AND themselves money. By converting premiums to a before tax expense, employers save on FICA, FUTA and SUTA taxes which can be considerable. POP plans can be set up for $250 with a $100 annual renewal fee and $4 PEPY for employee packets if the employer desires. Ready to discuss POP plans for your clients? Contact us about POP plans now.

Flexible Benefits Administration (Cafeteria Plans)

In addition to saving on taxes with a POP plan, employers can further their savings and offer employees an additional benefit with Flexible Spending Accounts (FSAs). These accounts allow employees to "set aside" pre-tax money through payroll deduction that can be used for qualified medical and dependent care expenses. Administered by BeneFlex, these plans are easy to set up and the debit card for medical expenses is included. There is a $300 set up fee; $30 monthly compliance fee and monthly administration fee of $5.25 per participant per month. These costs are typically less than any of our competitors and more than offset by the savings to the company.Ready to discuss a Cafeteria Plan for your clients? Contact about flexibile benefits administration now.

Summary Plan Description

Every employer is required to deliver a Summary Plan Description (SPD) to all participants in any sponsored benefit plan. While that regulation has been in place for a number of years, the government is now targeting SPD's on their DOL audits. Failure to provide an SPD to each participant can result in a penalty of $110 per person per day for up to 125 days. Translation: If one of your clients has 20 participants, that's 20 x 110 x 125 = $275,000! Wouldn't you feel bad if your client got hit with that and you hadn't made this service available to them? Especially when a Basic Wrap SPD only costs $300. Ready to discuss Summary Plan Descriptions for your clients? Contact us about summary plan descriptions now.

5500 Reports

Employers with more than 100 employees are required to file 5500 forms no later than 30 days after the end of their plan year - or face potential penalties. BeneFlex can take care of these at $250 for the 1st plan and $125 for each additional plan. Ready to discuss a 5500's for your clients? Contact us about 550 reports now.

COBRA Administration

Most employers know that they need to notify terminated employees of their COBRA rights. However, most don't know they're actually required to give each employee that notice when they first join the plan. Plus, the deadlines and regulations surrounding this regulation are difficult to keep track of. And yes, there are very substantial penalties for non-compliance. Penalties start with the IRS ($100 per day, non-deductible excise tax) and move from there to ERISA penalties, as well as potential civil suits and DOL audits. BeneFlex can handle full COBRA administration for your employers with more than 20 employees and give you and your client peace of mind. There is a $160 set up fee plus .80 per employee per month. Ready to discuss COBRA administration for your clients? Contact about COBRA administration now.