financial & analytics

The value we bring to our clients goes well beyond the tactical brokerage/agency services such as handling your renewals. Lighthouse takes a consultative approach to our clients benefit offerings by analyzing risks and helping manage cost in ways that give our clients the opportunity to be as efficient and profitable as possible. Whether you are fully funded or self funded, we can help you help you manage your employee benefits programs.

Below is a sampling of our services including reporting packages available.

data-driven reporting packages

  • Monthly executive summary
  • Aggregate report
  • Total compensation statement
  • Prescription drug utilization analysis
  • Medical claims lag report
  • Age/gender exposure factors
  • Cost share calculation by product
  • Predictive modeling/net cost projections
  • Benefit changes and projected savings
  • Spousal exclusion modeling
  • Dependent eligibility audits
  • Ad-hoc reports, as needed

on-staff financial analysts

  • Premium negotiation
  • Turnkey enrollment programming
  • Employee contribution modeling
  • Predictive modeling for plan design
  • Customized financial performance measurement
  • Local, regional and national benefits benchmarking
  • Risk identification (including early identification of stop-loss claims)
  • Review of carrier reports to identify discrepancies
  • Review of pended claims report at year (ensures stop-loss claims are paid before renewal)

did you know?

We also offer insurance solutions for your personal, life, business, and title needs.