Modern benefits for a modern workforce

SGL Partners offers five core services: benefits advisory, HR and benefits technology, compliance and HR support, employee advocacy and engagement, and voluntary benefits. Benefits advisory covers plan design, contract negotiation, risk management, cost containment, and funding strategy, with deep experience in self-funding. Employee advocacy helps employees with benefits questions, healthcare claims, provider selection, caregiver search, and second-opinion requests.

A benefits advisor designs, manages, and improves an employer's benefits program throughout the year. SGL Partners analyzes claims and cost data, projects what the employer should be paying, bids coverage to competing carriers, and negotiates with the current carrier using that leverage. At open enrollment, SGL models plan and contribution options, writes employee communications, runs the meetings, and checks that enrollment data is entered correctly in your systems. Year-round, SGL helps resolve employee claims, billing, and eligibility issues directly with carriers, and tracks compliance deadlines.

Yes. SGL Partners supports ACA, COBRA, and FMLA compliance through specialized vendors that administer COBRA and FMLA, and its benefits administration platform includes ACA tracking and reporting. Clients get an HR hotline and portal with real-time help from HR professionals on hiring, terminations, and wage laws, plus a custom compliance notice builder.

SGL Partners is paid either by commission from the insurance carrier or by a flat fee, depending on the employer's size and how its plan is funded. For most fully insured and level-funded groups, the commission is built into the rates as a percentage of premium or a flat amount per employee per month. For self-funded plans and larger employers, SGL usually charges a flat fee, so its pay is separate from premiums and claims. SGL discloses in writing everything it earns from the benefits program, from every source.

No. Employers can keep their current carriers, plans, and benefits technology when they start working with SGL Partners, and SGL can take over servicing at any point in the year. Once engaged, SGL reviews the current benefits against the employer's data. If a different carrier or plan design would better serve the employer at renewal, SGL presents the numbers and the employer decides; if the current arrangement fits, SGL negotiates to improve it.

Benefits administration technology is an online platform where employees enroll in benefits, and HR manages eligibility, life events, and carrier and payroll updates in one place. SGL Partners provides its platform at no charge, integrates it with the client's HRIS, and builds custom reports as needs change. Employers still handling enrollment on paper or reconciling carrier bills by hand gain the most. An employer that already has a system it likes can keep it, and SGL will work within it.