st
FEDERAL CREDIT UNION
ALERAGROUP
Members 1st Federal Credit Union 5000 Marketplace Way Enola, PA 17025
Welcome Aboard!
Thank you for choosing us as a member of your trusted advisor team. Our goal is to earn a long-term relationship with you based upon meeting and exceeding your expectations. Because your client experience is paramount to us, we’ve put together this welcome kit to ensure you have the information you need at your fingertips. On page 3 you’ll meet your core account team. Stephanie Chase will be your main point of contact, but the entire team is always available for any questions. Lastly, we invite you to connect with us on LinkedIn. On our page you will find timely articles as well as upcoming events announcements that we encourage you to share with your staff. We are here to serve as an extension of your team and employee engagement is imperative to us. I’m here to help if needed, especially if we are not meeting your expectations. Feel free to contact me at amber.shatto@aleragroup.com or 717.506.3249 for any questions you have, no matter how small. Once again, thank you for choosing Alera Group.
Sincerely ,
Amber Shatto, Vice President Amber Shatto
TABLE OF CONTENTS Meet Your Team................................................................................................................ 4 Why Alera Group. ......... .............................................................. ....................................... 5 Events Calendar................................................................................................................ 6 Alera HR................................................................................................................... . ........ 7 E3 Service Center............................................................................................................. 8 Benefits Technology ......................................................................................................... 9 Employee Navigator ......................................................................................................... 10 Benchmarking...................................................................................................................1 1 Communication...............................................................................................................1 2 Data Analytics............................................................................................................. . ...1 3 Voluntary and Worksite Benefits.....................................................................................1 4 Wellbeing .......................................................................................................................1 5 Personal Lines ...................................................................................................... . .........1 7 Property and Casualty.................................................................................................... . ..1 8 Wealth Management .................................................................................................. . ...1 9 Medicare .............................................................................................................. . .........1 6
MEET YOUR ACCOUNT TEAM AMBER SHATTO, VICE PRESIDENT EMPLOYEE BENEFITS
HOW CAN AMBER HELP YOU? Amber offers personalized, innovative, and cost-effective employee benefit solutions that meet the unique insurance needs of each client. Email: amber.shatto@aleragroup.com Phone: (717) 506-3249
JASON WALDO, CONSULTANT , EMPLOYEE BENEFITS HOW CAN JASON HELP YOU? Jason leads the renewal, strategy planning and financials. Email: j ason.waldo@aleragroup.com Phone: ( 717) 509-8803
STEPHANIE CHASE, SENIOR ACCOUNT EXECUTIVE HOW CAN STEPHANIE HELP YOU? Stephanie lends assistance with renewal, strategy planning and financials. She also aids with escalated issues, open enrollment education, ongoing education, and compliance. Email: stephanie.chase@aleragroup.com Phone: (717) 509-8803 ANDREA YINGST, ACCOUNT EXECUTIVE HOW CAN ANDREA HELP YOU? Andrea provides excellence in her collaborative approach to assist with any tactical needs. Her PAHM designation demonstrates a comprehension of health care management, as well as operational, legislative, and organizational structures. She will combine both her extensive industry experience and in-depth knowledge to support Member’s 1st. Email: andrea.yingst@aleragroup.com Phone: (717) 715-2985 GRETCHEN DAY, VP OF HEALTH INNOVATION & ADVANCED STRATEGIES HOW CAN GRETCHEN HELP YOU? Gretchen leads GAMECHANGER Solutions and assists clients in creating meaningful and sustainable wellness solutions for their employees, identifying cost savings potential through wellness strategies, and analyzing population health data. Email: gretchen.day@aleragroup.com Phone: ( 717) 506-3224 STACY FRY , DIRECTOR OF COMMUNICATIONS HOW CAN STACY HELP YOU? As Di rector of communication Stacy and her team are responsible for all employees facing deliverables including but not limited to open enrollment presentations, newsletters, flyers, memos and employee benefits education. Email: stacy.fry @aleragroup.com Phone: (717) 979-1971
Why Choose Us As Your Benefits Partner
Top 10 Reasons Clients Stay with Alera Group
1
6
Regular & Dependable Communication
Large Benefits Team & Local Leadership
2
7
Prompt & Accurate Service — Guaranteed
Innovative, Strategic, Thinking Outside the Box
Exclusive Products, Wellness Programs & Guaranteed Premium Savings
3
8
Compliance Support & Access to HR Tools
4
9
Benefits Benchmarking
Population Health Analytics & In-House Actuarial
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10
Employee Communications Assistance
Client Awards & Award-Winning Team
How We Stand Out
*Based on 2018 Gross Numbers **Numbers current as of January 1, 202 2
$9 00 M in Revenue
3, 0 00+ Employees
1 00 + Locations
17th Largest Independent Agency in the U.S.*
100+ New Partner Acquisitions
We say what we do and do what we say! If you’d like to hear directly from our clients, just let us know and we’ll connect you!
Connect With Us
Webinars
Learning and staying on top of trends, together. X LEARN - Timely and accurate guidance on the latest news, coverage insights, safety training, and compliance alerts from Alera’s team of experts. X EARN - Webinars are approved for one SHRM and HRCI credit. X ASK - Our experts are here to take on your questions during our live webinars.
Register For Upcoming Events
Insights & News
Read the latest insights written by our experts on timely topics impacting the corporate and insurance world.
ViewThe Latest Insights & News
AleraHR
Save Time. Add Resources. Reduce Risk. Expand Your Capabilities. • TRAIN- More than 200 online training courses that ensure compliance, reduce risk and drive employee engagement. • LEARN - Timely and accurate guidance on the latest news and analysis HR professionals need to stay current with changing regulations. • COMPLY- Comprehensive resource center with all the forms, checklists and tools needed to maintain compliance. • ASK- Certified HR experts answer questions, render advice and follow up with research to resolve issues. Accessible 8am-7pm Central each business day.
Have a compliance question? Log in to the AleraHR Portal below.
The AleraHR suite of solu- tions will provide the HR knowledge, risk and safety resources and compliance expertise to help our clients be more productive, easily comply with workplace reg- ulations and avoid litigation. AleraHR will provide tools and resources that minimize your exposure to expenses for attorneys or HR consul- tants.
E3 Service Center
The E3 (elevated employee engagement) team offers con- cierge benefits support for your employees, serving as an ex- tension of your team during peak demand periods and offering ongoing benefits support throughout the year. Our licensed team of life and health benefits coaches are just a phone call away for your employees,providing personalized guidance to help them make informed and educated benefits choices based on their needs.
Our live support team can help you:
A recent Gallup study shows that an actively disengaged worker costs their organization $3,400 for every $10,000 of payroll.
• Share your benefit offerings and provide guided decision support during the open enrollment time period • Target your outreach to full-time benefits-eligible employees to educate and aid in increasing employee engagement in the enrollment process • Communicate with your employees through phone calls, email or text messaging • Provide education and guidance throughout the plan year for new hire enrollment We provide your employees with a customized, toll-free num- ber and/or email address to contact during the open enroll- ment period and throughout the plan year for new hires appre- ciate the value of their total benefits program.
Engaging and guiding your employees in their benefits selection can be extremely time consuming for your HR team, but the results can have a significant impact on overall benefits spending and employee satisfaction.
Benefits Technology
We’re with you every step of the way, from the initial consultation through implementation and ongoing support.
OUR PROCESS
Consult
• Work with you to identify technology that meets your budget parameters • Evaluate how technology fits into the big picture and identify your target outcomes • Leverage our partnerships and expertise to source the right solutions • Evaluate and recommend best-in-class technology solutions • Monitor and manage implementation, including insourced, co-sourced and outsourced • Conduct an audit to ensure we meet your expectations
John Tunney VP, HR & Benefits Technology Consulting
Act
Support
• Fully outsourced: we do it for you • Fully co-sourced: we take care of what you need • Monitor total outcomes in conjunction with your employee benefits program
Rachelle Maddaloni Director of Technology Solutions
To learn more, contact your representative.
Deb Hoffer HR Technical Supervisor
We provide ongoing sup- port in whatever capacity works for you, from fully outsourced to co-sourced, and everything in between. We can also provide support to your in-house team to help monitor outcomes in conjunction with your total employee benefits program.
Employee Navigator
Employee Navigator centralizes your HR records online and syncs your employee data across multiple systems, including payroll and benefits. Centralize All Your HR Efforts: • Streamline employee management - Know instantly when enrollment events occur and minimize claim and billing issues.
• Employee self-service - Our easy-to-navigate self- service portal puts employees in the driver’s seat.
What We Do:
• Improve employee communication - Whether it’s benefits, compliance, or company communications; employees are always in the loop. • Online Employee Directory - Through our online employee directory your entire team can easily stay connected with each other.
• Benefits Administration • HR Management • New Hire Onboarding • Asset Tracking • Integrated Payroll • Integrated COBRA & FSA • PTO
ModernizeYour HR:
• Paperless - Paper forms and files are replaced by a centralized HR management system and employee portal that’s always up-to-date. • Efficient- Manage your interactions from one place so you can spend more time growing your business and less time on manual processes. • Accessible - Help your employees help themselves by allowing them to find the information they need without having to call for support. • Control - Go beyond the basics and improve communication and engagement with quick access to reports and configuration tools.
Benchmarking
It can be challenging for employers to have a complete view of their benefits usage and spending across their program and their organization. We work with you to: • Benchmark your plan data by national, regional, industry and peer group parameters for cost, plan and policy comparisons • Provide a granular look at benefits, premiums and employee contributions—in dollars and percentages— for a broader view of benefits usage and spending • Analyze medical, dental, disability, leave and ancillary plans, including design elements such as deductible, coinsurance, copays, durations, elimination periods, etc. to optimize savings • Help you make sound decisions based on trends, data and norms that allow you to determine where you stack up against your peers
Alera Group’s Benefits Positioning Report Provides insights into the impact of various changes to your benefits and pricing model.
Communication
Engaging employees in their health and benefits involves personalizing the experience and delivering the information in ways that are easy for employees to access and act on. Our dedicated communication practice can help you reach your employees through: • A personalized mobile app designed to promote and improve employee benefit engagement, utilization and satisfaction • Turnkey presentation and communication materials that cover essential benefit plan details for medical, dental, vision, life, disability, FSA, 401(k), wellness programs and more
• Customizable Employee Benefits Guide to streamline the process • Interactive decision tool (available through a third party vendor)
Stacy Fry Director of Communications
• Translated benefits information and resources in multiple languages
We offer communication tools and solutions that can help you lower overall healthcare costs and lift the administrative burden from your team.
Kim Canfield Benefits Communications Coordinator
Jack Eshelman Employee Communications
In a world where employees expect employers to recognize them as individuals,
demographics and m ore communication are not enough.
MetLife’s 17th Annual Employee Benefits Trend Study, 2019
Data Analytics
Our informatics program provides the information you need to put the right plans in place in three key areas.
Plan Impact: • Enables you to predict both the financial and member impact of potential plan changes • Provides information that can help impact the health of your plan members though biometric, health risk assessment, health risk questionnaires (HRQ) and participation data • Offers insights into chronic conditions and can integrate biometrics Plan Performance: • Provides direct access to powerful views of underlying healthcare data • Gives you the ability to forecast medical claims trajectory data down to the member level • Enables you to understand how your plan is performing and how it compares to other companies Plan Enhancement: • Review integrated wellness and claims data with a detailed analysis designed to improve the health of individuals and measure a wellness program’s return on investment • Evaluate potential vendors and partners for addressing plan needs in group health and spending patterns
Bill Straw Senior Vice President
Tyler Gray VP of Benefit Analytics
Our data analytics tools provide deep access into your claims and health plan data, enabling us to conduct advanced analysis and research on your employee population. Our team works with you to model plan changes and identify the right benefits plan structure based on your unique population and business goals.
We take a business approach to your benefits program to improve your bottom line and impact the health and engagement of your employees.
Voluntary and Worksite Benefits
Our four-step strategic process will help you identify and im- plement benefits that match the needs of your company and your employees. Your local Alera team will work with you to:
Conduct an opportunity assessment of your company’s demographics, current benefits program and existing benefits administration system Develop comparison modeling based on carrier quotes to determine optimal pricing Consult with your team on carrier selection, product offerings and enrollment methodology Partner with you to ensure a smooth implementation and ongoing service
1 2 3 4
Voluntary and worksite benefits can be offered at little or no cost to your business. As these benefits are selected and paid for by employees directly, they help educate employees to appreciate the value of their total benefits program.
When it comes to benefits, one program does not fit everyone. Voluntary benefits are a cost- effective way for employers to expand their benefits program and offer employees choices that meet their unique needs.
Wellbeing
We offer a dynamic approach that encompasses all aspects of wellbeing, from data to delivery, including: • Wellbeing Culture and Consulting: Offer strategic planning, consulting, and communication/brand development across the six dimensions of wellbeing • Thought Leadership and Education: Provide access to webinar trainings, summits and seminars, blog posts, podcasts, and white papers reflecting innovative and cutting-edge strategies to implement a culture of wellbeing from top professionals in the space • Assessment and Data Collection: Deliver a Wellbeing Interest survey and an Organizational Culture survey • Innovative and Engaging Platforms and Programs: Recommend vendors across the various dimensions of wellbeing including wellbeing platforms, health screenings, health coaching, health awareness communication campaigns, disease management, reversal strategies and more • Enhanced and Novel Solutions: Propose solutions that expand the wellness space to include other elements of family care, mental health, and services that distinguish employers as “employers of choice”
Gretchen Day VP of Health Innovation & Advanced Strategies
We can help you implement a culture of wellbeing and provide services and solutions to help you engage, support, retain and recruit top talent.
Medicare and Life Insurance
Insurance solutions designed for you, your business, your future. At Alera Group, our primary focus is helping you find the best possible health insurance coverage for your budget. Medicare eligible employees have more options that can improve their benefits while saving you money. For employer groups with less than 20 employees, Medicare education is a must. Lean on us! Schedule our certified Medicare team for a no-cost Medicare Education Seminar during your next open enrollment.
Medicare For Medicare eligible individuals, we offer a no-cost meeting that will help them to: X Understand all the options under Medicare X Compare Medicare vs. the employer’s plan X Learn about Medicare supplement, Medicare X Advantage and Part D Prescription Drug Plans X Prepare for the Medicare Annual Enrollment Period X Find out how to minimize out-of-pocket health costs
Life Insurance Our life insurance specialists will work with you to craft a proper personal or business life insurance policy ensuring the financial future of your family or organization. X Personal Life Insurance X Business Continuation Life Insurance
Your healthcare choices are very important. At Alera Group we are here to help you make the right choice for your unique needs. During last year’s Medicare annual enrollment period, we helped almost a thousand of your neighbor save hundreds, even thousands, of dollars. It’s our passion!
Personal Lines
As an independent insurance brokerage firm, we compare plans from a variety of competitive carriers to find the best policy, so you get the best coverage at the best rate for your needs. Our team of experts specialize in:
• Auto Insurance • Home Insurance • Umbrella Insurance • Life Insurance • Valuable Items Insurance • And more!
By bundling all of your insurance together, you can create the most customized insurance program that’s specific to your needs. Call 717.591.8280 today for a free, no-strings-attached consultation to see what we can do for you.
Jim Smith Senior Account Executive, Personal Lines
Personal lines insurance, including homeowners, auto, life, umbrella, and more, keep you safe from devas- tating financial loss when disaster strikes. Alera Group’s licensed personal lines spe- cialists can help you create a customized, cost-efficient insurance program to protect your belongings and your wallet.
Property and Casualty
Why Clients Choose Alera Group A local agent or broker plus the power of Alera.You gain immediate access to buying power and a wealth of resources. Whether you need expertise on a highly specialized risk or entrée to an insurance carrier, our platform is designed for collaboration. There are no product silos, competing profit centers or bureaucracies to get in the way. Better outcomes and a superior client experience. Collaboration is the key. We know that when we freely share resources and build on each other’s strengths, our clients win. Focus on getting the most out of every dollar invested in insurance. Buying insurance is the last consideration, not the first. We work with you to minimize risk and find the most effective ways to transfer it. The expertise and resources to handle the tough challenges organizations face. Whether it’s cybersecurity, organizational resilience, attracting and retaining talent, increased government regulation, Alera provides quick and easy access to experienced specialists who can help address the most complex issues. Tools that control risk, drive down cost and take the guesswork out of decisions. From our GPS tool that gives you a one-page visual of where you’re vulnerable and where you’re protected to benchmarking data that compares your insurance coverage and expenses to similar organizations, you get the intelligence you need to make sound decisions. Custom solutions. Our collective expertise and resources enable us to move beyond standard policies and services to solutions designed specifically for your situation. The ability to grow with you. What your business needs today will likely be different tomorrow. Alera has the breadth and depth to support you whether you’re expanding into new states, launching new products, acquiring a new business or looking to raise capital. Better and faster response. No one person has the knowledge to be the expert on every complexity your organization faces. That’s the beauty of working with Alera. If you approach your local team with something they haven’t seen before, the odds are extremely high we can quickly locate someone in the organization who has that experience and is eager to help. Fresh thinking and innovative solutions, not just the first time we look at your account but every time. We’re creative problem solvers who are never satisfied with the status quo. We challenge ourselves and each other to constantly find better ways to deliver for clients.
Wealth Management
We provide a full suite of wealth management solutions. Our services for business owners and executives include: • Key person insurance • Executive compensation • Buy-sell review • Life insurance policy audits • 401(k) analysis and consulting • Customized investment management for executives • Business succession planning We also offer services and solutions for your business, executives and employees, including: • Employee financial education workshops • Personal financial planning and estate planning • Investment management • Retirement planning • Personal insurance including life, annuities, long-term care, and disability Our specialists offer a full range of investment products and services, including brokerage accounts, discretionary managed accounts and 401(k) rollover guidance. With Alera Group, our financial strategies are built for the long-term success of you, your business, and your employees.
We offer an integrated approach that includes:
Investment Management
Financial Planning
Insurance • Life
• Disability • Long-term Care
Retirement Services
Thank You
Alera Group 4 550 Lena Drive Mechanicsburg, PA 17055 717-766-8844 aia.aleragroup.com
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