Administration & Compliance Support
Every hour your HR person spends chasing a carrier error is an hour not spent on the work you hired them for. This is the part of brokerage that never appears in a sales pitch and decides how the relationship actually feels.
What it actually is
We take the plan admin off your HR team’s desk.
Day-to-day plan administration: getting people on and off the plan correctly, catching the carrier’s billing errors, keeping booklets current, and answering the member whose card will not scan at the pharmacy on a Friday afternoon. Your employees get our direct line rather than a 1-800 number and a case number.
What you get: Hours back every month for whoever runs your HR.
What sits inside this benefit
Each of these is a decision, not a default. Most plans inherit them from a template and never revisit them.
Enrolment and termination processing
New hires, departures, and life events — marriage, births, dependants ageing out. Late enrolments are one of the most common causes of denied claims and are entirely preventable.
Billing reconciliation
Carrier invoices contain errors more often than employers assume: terminated employees still billed, coverage tiers wrong, retroactive adjustments unexplained. We check them rather than assuming.
Booklets and onboarding materials
Current, readable plan booklets, onboarding packages, and bilingual materials where your workforce needs them. A benefit nobody understands is a benefit nobody uses.
Taxable benefit and payroll guidance
Which premiums are taxable, how Quebec differs, what goes on a T4 and a Relevé 1, and how provincial payroll taxes interact with your remuneration total.
Member support
Employees phone us directly with claim questions. It resolves faster, and it takes the load off whoever runs your HR.
The levers we actually pull
- Set up a clean enrolment process at implementation — most claim denials trace back to an administrative failure months earlier.
- Reconcile carrier billing monthly rather than annually. Errors compound and retroactive corrections get harder to win.
- Give employees a direct contact. Members who can reach a person escalate less and complain less.
- Keep booklets current after every plan change. Stale booklets create expectations the plan will not meet.
What drives the cost
Administration support is included in our brokerage compensation rather than billed separately. The cost you should be measuring is the internal one — the hours your team currently spends on this, and the claim denials that administrative errors cause.
Get this reviewedQuestions employers actually ask us
No hedging. If the honest answer is “you do not need us for that,” that is the answer you will get.
No. It is part of what brokerage compensation already covers, whether or not your current broker provides it. We disclose exactly how we are compensated on every plan we place, in writing, so you can judge for yourself what you are getting for it.
Yes, and we would rather they did. Members phoning us gets their question answered faster than routing through their HR contact, and it means we hear about problems while they are still small. It is also why we cap how many clients each advisor carries.
As a general rule in Canada: employer-paid extended health and dental premiums are not a taxable benefit, except in Quebec where they are for provincial purposes; employer-paid group life is taxable; and employer-paid disability premiums make any future benefit taxable, which is why we usually recommend employees pay those. Your specific setup deserves a review with your payroll provider, and we will join that call.
What this is usually paired with
Benefits are a system. Changing one line almost always shifts another.
Renewal Strategy & Marketing
The part most brokers do once a year in an email. We do it all year.
Learn moreExtended Health & Dental
The core of every plan — and where most of the money goes.
Learn moreGroup Retirement & Savings
Group RRSP, DPSP, TFSA and pension — coordinated with the benefits plan.
Learn moreThis works differently by province
Public drug programs, employer payroll taxes and taxable-benefit treatment all vary. Pick where your people are:
Have us look at your administration & compliance support coverage.
Send your current booklet and last renewal. We will tell you what it is really doing — whether or not you ever hire us.
An advisor reads it and replies personally — it does not go to a call centre.