Gender

Male

Location

Worcester, MA

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-------------------------------------------------- Small and mid-sized employers usually don't have much "wiggle room" when buying health insurance. Their broker slection is generally based on ... a personal relationship ... simple customer service ... annual plan shopping ... and a spreadsheet ... That's all they know and all they've ever seen. -------------------------------------------------- Compliance and Taxes -------------------------------------------------- We help companies REDUCE their compliance exposures. We have a copy of an actual DOL audit request letter (send an e-mail request for the PDF). You'll find the amount of information they'll want (within ten business days) to be mind boggling. We'll prepare you for the audit before it ever happens OR you can have the DOL do it when it happens. Our fee is in the form of a Broker of Record letter; the DOL fee consists of fines/penalties. -------------------------------------------------- We help employees ELIMINATE $61,827 in post-retirement income taxes. It used to be that nothing was certain but death and taxes. But now we’ve added health insurance and more taxes. A couple, age 65 today, will pay more than $142,560 for their basic health insurance (Medicare Part B + Supplement Plan) over their expected lifetimes. When they use savings, they’ll have paid $87,000 more in income taxes to net the $142,560. If they use their 401k, they’ll pay an additional $61,827 in income taxes to net the $142,560. Their total then ranges from $204,000 to $229,000. Our solution is the $142,560 (no income taxes). 508-831-0805 russ@borislow.com russ@benefitslab.com Specialties: Group Health Insurance Flexible Spending Accounts (FSAs) Dependent Care Accounts (DCAs) Health Savings Accounts (HSAs) Consumer Driven Health Plans (CDHPs

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