P&A Group is a national employee benefits provider specializing in the administration and implementation of benefit plans including: Flexible Spending Accounts (FSAs) Health Reimbursement Arrangements (HRAs) COBRA, Group Insurance, and Retirement Plans (401(k), 403(b) and 457 plans. Headquartered in Buffalo, N.Y., with offices in Los Angeles, New York City, Raleigh and Pittsburgh, P&A Group serves groups from all industries, of all sizes, across the country for over 40 years. P&A Group is more than just a Third Party Administrator (TPA)- we’re a dedicated team of benefit experts, ready to answer your questions and provide the support you need. When you partner with P&A Group, you’re choosing a provider who administers benefits around you. To learn more about how we can help you, contact us: https://www.padmin.com/contact-us/index.php3

Bond Financial Network, a local insurance consultant with an office in Pittsford, New York, is highly regarded for their exceptional customer service and expertise. They proudly serve clients in New York and Ohio, offering comprehensive insurance solutions tailored to the needs of large, midsize, and small employers. An excellent example of their expertise can be seen in their work with Faac Inc/Arotech, a 390-member employer in the architectural, engineering, and related services industry. Bond Financial Network collaborated with their HR and finance team to establish a self-funded arrangement, HMO plan, and PBM and drug plan, specifically designed to meet the unique needs of Faac Inc/Arotech's members. With a diverse portfolio of employer clients, including 2495 Bonadent Dr, AmeriCU Credit Union, Buffalo Medical Group, and Faac Inc/Arotech, Bond Financial Network demonstrates their ability to serve a wide range of industries and client sizes. Bond Financial Network has earned one of the highest M Scores possible, showcasing their extensive experience and expertise across various industries and insurance products. Their strong knowledge base extends to sectors such as health care and social assistance, services (except public administration), and architectural, engineering, and related services. Although specific details about ratings or other aspects are not provided, Bond Financial Network's positive client reviews attest to their commitment to delivering excellent service and industry-leading insurance solutions. Whether it's working with self-funded employers, navigating PPO plans, or collaborating with PBMs and pharmacy providers, Bond Financial Network's expertise and experience make them a trusted partner for businesses seeking comprehensive insurance coverage and tailored solutions.

As part of the Arrow Family of Companies, Upstate Agency, LLC has been insuring individuals and businesses across the region for more than 50 years. Through our offices in Warren, Washington, Clinton, Essex and Saratoga counties, we provide our customers with high-level service that maximizes insurance protection for their personal, auto and home needs. Our experienced staff understands insurance and can find the right coverage for you. In addition, we provide customized business insurance as well as group health and employee benefits. We look forward to connecting with you on LinkedIn! We're here M-F 8 a.m. - 4 p.m. ET. For security purposes, please do not send account or personal information. Insurance products are offered through Upstate Agency LLC (South Glens Falls, NY). This agency is a non-bank subsidiary of the Arrow Financial Corporation family of companies and is licensed to sell insurance in New York State and act as an agent for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.

Smola Consulting LLC is a highly regarded insurance broker specializing in serving large and midsize employers. With a local office in Rochester, New York, this brokerage firm has built a solid reputation for providing exceptional customer service and expertise to its clients. They have garnered positive reviews from satisfied clients who value their professionalism and industry knowledge. One notable example of Smola Consulting LLC's work is their collaboration with Abvi-Goodwill Industries of Greater Rochester Inc, a prominent employer in the vocational rehabilitation services industry with 550 members. Smola Consulting LLC partnered with their HR and finance team to develop a tailored pharmacy benefit management (PBM) and drug plan that catered to the unique needs of their members. This demonstrated their ability to understand and address the specific requirements of different industries. Smola Consulting LLC boasts extensive experience and expertise in various sectors, including home health care services, architectural and engineering services, and vocational rehabilitation services. Their clients span across Ohio, and notable employers they serve include Lidestri Foods Inc, Mary Cariola Children's Center Inc, and Visiting Nurse Service of Rochester and Monroe County Inc. The success and credibility of Smola Consulting LLC are reflected in their impressive M Score, which highlights their wide-ranging industry knowledge and proficiency in catering to diverse clients of varying sizes. Whether it's providing comprehensive insurance solutions or offering guidance on PBMs and specific pharmacy providers, Smola Consulting LLC is committed to delivering exceptional results for their clients in Ohio and beyond.

Group Life Insurance is a reputable local insurance broker headquartered in Albany, New York. With a strong focus on serving self-funded employers, they have garnered extensive experience in providing tailored insurance solutions that best meet the needs of their clients. Their expertise extends to working with HMOs, collaborating closely with clients to ensure optimal coverage. Catering to clients of varying sizes, Group Life Insurance serves large, midsize, and small employers. Their client portfolio includes esteemed organizations such as Adjuvant Health, Albany Medical Center, Arnot Ogden Medical Center, and Healthcare Association of New York State (HANYS). This diverse range of clients attests to Group Life Insurance's ability to adapt and excel in different industries. Operating from their Albany office, Group Life Insurance extends their services to clients throughout New York State. They have established a strong reputation, earning a favorable M Score attributed to their extensive experience and expertise across different client sizes and industries. Group Life Insurance specializes in the health care and social assistance sectors, demonstrating a deep understanding of the unique insurance requirements within these industries. Additionally, they possess expertise in services (except public administration), further showcasing their ability to cater to a broad range of clients. With their wealth of experience, dedication to client satisfaction, and strong industry knowledge, Group Life Insurance is a trusted insurance broker for employers in New York. Whether it's navigating self-funding arrangements, optimizing HMO plans, or collaborating with PBMs and pharmacy providers, Group Life Insurance strives to provide comprehensive and customized insurance solutions for their clients.

There are two types of employers: those that know they are paying too much for health insurance and those in denial. There is only one thing standing in the way of this becoming a reality - unwillingness to explore alternative strategies. Two decades of managed care has sheltered employers and the their members from the truth. A lack of transparency and access to the cost and quality of healthcare has contributed to the problem. Simply put, employers have been lead to believe their insurers are negotiating the best prices. We can assure you that network 'discounts' are nothing more than a charade. In fact, employer sponsored health plans are a guarantee your company is paying 50% to 75% too much for prescriptions. Where does that money go? Right back to your Pharmacy Benefit Manager who is owned or owns your insurance carrier. This is unreported income for your insurer and it can be eliminated. This isn't a surprise to most but the extent of the problem is and until now, there was no ability for most employers to see the data. We changed that too. BritePath is our benefit strategy and our name. We help employers and their members forever change the trajectory of the cost and quality of their benefits. Ask yourself this question; Do we have a health insurance problem today? Let's assume for a second you say 'No'. Ok, five years from now the cost of your insurance increases 50% and the quality of your benefits deteriorates. Do you have a problem then? What has that done to your bottom line? What has that done to your ability to attract and retain the best talent? Don't wait five years to find out. Contact BritePath today and get a second opinion that with provide Insights, Analytics, Engagement and Elevate your plan and your people.

American Corporate Benefits is a trusted local insurance broker situated in the heart of New York, New York. With a solid track record of delivering exceptional services, they have established themselves as a reliable partner in the insurance industry. One remarkable example of their expertise is their collaboration with the Board of Trustees of The Ibew Local 25 Health & Benefit Fund, a prominent employer in the building equipment contractors industry, boasting a membership of 1720 individuals. American Corporate Benefits demonstrated their commitment to their clients by working closely with the HR and finance team of The Ibew Local 25 Health & Benefit Fund to develop a tailored PPO plan, meticulously designed to address the unique needs of their members. In addition to their specialization in creating customized solutions, American Corporate Benefits has extensive experience working with self-funded employers, providing them with valuable insights and support. Catering to a diverse range of clients, American Corporate Benefits serves large and midsize employers across various industries. Notable clients of their New York office include Elderserve Health Inc, Hebrew Home For The Aged At Riverdale, and New York Proton Center. Furthermore, they extend their services to clients throughout Virginia, ensuring a wide geographic reach. With their deep expertise in the healthcare and social assistance, outpatient care centers, and building equipment contractors industries, American Corporate Benefits brings unparalleled knowledge to the table. Clients consistently praise their high-quality customer service and industry expertise, as reflected in their exceptional client ratings.

Relph Benefit Advisors is a reputable national insurance consultant, serving clients across New York, Pennsylvania, and Wisconsin. While some customers have expressed lower reviews, it presents an opportunity to address any concerns when evaluating potential partners. A noteworthy example of their work at this office location is their collaboration with Lactalis American Group, Inc., a prominent employer in the dairy product manufacturing industry. By collaborating closely with Lactalis American Group, Inc.'s HR and finance team, Relph Benefit Advisors successfully established a self-funding arrangement, along with a PPO plan, PBM, and drug plan tailored to the unique needs of the company's 1400 members. This demonstrates their ability to provide customized solutions that address the specific requirements of their clients. Relph Benefit Advisors caters to a wide range of clients, including large, midsize, and small employers. Their diverse client portfolio at this Rochester, NY location includes Access: Supports for Living, Alfred University Human Resources Services, Allegany Arc Welfare Benefits Plan, and Arc of Rockland. As a leading brokerage in the Rochester, NY market, Relph Benefit Advisors has earned an excellent reputation, thanks to their extensive industry experience and expertise across various client sizes, industries, and products. They possess deep knowledge in individual and family services, educational services, and the health care and social assistance sectors. Relph Benefit Advisors stands out for their exceptional capabilities in working with self-funded clients and their proficiency in collaborating with clients and PPOs to meet member needs. Moreover, their expertise in carving out drug and pharmacy plans sets them apart from other brokers in the market. When searching for a reliable insurance consultant, consider Relph Benefit Advisors' comprehensive expertise, high client satisfaction, and commitment to delivering tailored solutions.

Dkg Insurance & Financial, located in New York, NY, presents a robust profile as an insurance broker, particularly excelling in catering to midsize and large employers. Operating as a larger office, they are part of a local brokerage firm, indicating a strong community presence combined with the resources of a larger entity. Their proficiency extends to a range of industries, showcasing versatility and in-depth knowledge. Notably, Dkg Insurance & Financial has demonstrated considerable expertise in sectors such as educational services, religious, grantmaking, civic, professional, and similar organizations, as well as hospitals. This breadth of experience underscores their ability to tailor services to diverse industry needs, a crucial aspect for employers seeking comprehensive insurance solutions. Their client roster speaks volumes about their capabilities. For instance, they have successfully partnered with Ambulnz Health, a prominent player in the ambulatory health care services industry, serving over 620 participants. This highlights their competence in managing substantial employee bases. Similarly, their work with Family Services of Westchester, aiding more than 140 participants in the religious and civic organization sector, and Legal Services of the Hudson Valley, with over 190 participants in the legal services industry, further establishes their proficiency in delivering customized insurance solutions across various domains. Crucially, Dkg Insurance & Financial has a significant track record in working with self-funded clients, a testament to their capability in handling complex financial arrangements and providing strategic support to both local and regional employers. This attribute makes them a valuable partner for businesses seeking a collaborative and experienced insurance broker.

OneDigital delivers strategic advisory consulting and technology-forward solutions to more than 85,000 employers across the nation. As employee health care, wellness and workplace benefits continue to converge, businesses of all sizes have relied on OneDigital’s exceptional advisory teams for counsel in employee benefits, wellbeing, human resources, pharmacy consulting, property and casualty solutions, as well as the retirement and wealth management services provided through OneDigital Investment Advisors. OneDigital’s commitment to technology and innovation enables its 3,000 advisors to deliver the most modern and intuitive customer experience anywhere in the industry. OneDigital has been named as a Best Place to Work in Insurance by Business Insurance. For more information, visit onedigital.com.

Perry & Carroll, located in Elmira, New York and employing 25 people, has been operating as an independent agency for more than 160 years. Our extensive portfolio contains every type of personal and commercial insurance product available from a variety of top-rated companies. As your insurance needs change, we will adjust your coverages making Perry & Carroll the only insurance agency you will ever need. Our agents specialize in particular areas of insurance, including health and group benefits, property and casualty insurance and life products. Our property and casualty agents specialize in areas such as municipalities, construction, transportation and moving/storage risks, just to name a few. This allows Perry & Carroll to provide you with the most up-to-date product recommendations, as well as sound advice you can trust.