affordable quality

Group benefits for teams of all shapes and sizes.

Employee benefits are the second most expensive line item for many employers. Yet, almost 50% of companies are working with an advisor that sells one group benefits case per year – or less.

Most brokers simply dabble in this somewhat complicated field of work. Open heart surgeries aren’t performed by general practitioners. And while we aren’t suggesting this is a life or death decision, we do take our craft just as seriously.

Need a second opinion?

We understand that for political reasons (your brother-in-law is your broker) that you can’t easily change your working relationship. But do you wonder if your plan is properly designed?

We are happy to provide a comprehensive review on a completely confidential basis so things don’t get awkward at the next family gathering. If and when your brother-in-law retires, we will be here.

now the boring but important details

Giving educated and experienced advice on tailored benefits programs for you and your employees is why we exist.

Our Dedicated Client Service Team

Everybody says this. But really, the people at HJ Group really love their job and understand without you, they wouldn’t have one. We truly consider it a privilege to serve but these are just words. Give us a chance and watch the words and the music match.

Digital Benefits Management

We’ve been at this a long time and to say we’ve done our fair share of paperwork would be an understatement. Not only has paperless enrollment changed our lives for the better it’s given our clients time for an extra cappuccino. Most importantly, this technology reduces administrative errors and potential liability for the employer.

Data-driven Reporting

Quarterly analytics so you can understand the utilization of your plan and make meaningful decisions based on key performance indicators.

Risk Mitigation

With benefits administration there are legal and tax requirements that a plan administrator (PA) must follow. We support you with our exclusive process to mitigate against these risks. Why should you care? It will keep your legal fees down. Why do we care? It will keep our legal fees down.

Employee Engagement

Here’s a fact, most employees have no idea what you’re doing for them when it comes to employee benefits. In other words you’re possibly writing a big cheque with no enhancement of employment loyalty or culture. A specialized competent broker will change this.

Human Resources

Not every company has their own dedicated HR team, so where do you go for help? Look no further! You’ll have the support you need at your fingertips.

Benefits of working with HJ Group

  • Full fee disclosure
  • Preferred insurer plan fee reductions to optimize employer benefits spend, while helping with plan sustainability.
  • Access to the entire marketplace to secure the most competitive fees
  • Expertise in designing a plan based on the needs of you and your team
  • Specialized employee engagement
  • Comprehensive reporting and industry benchmarking to provide insight into plan competitiveness
  • Full-service administration in ongoing plan management
  • Risk mitigation and compliance adherence through our exclusive process
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