Employee Benefit Plan Consulting, Actuarial and Brokerage

Employee Benefits Services and Solutions

Every employer is unique but the one commonality that exists is the burden they share with the escalating costs and complexity of healthcare.

Armstrong, Doyle & Carroll works with clients to deliver innovative and cost saving solutions, guidance on compliance, technological support, employee advocacy and wellness programming opportunities.

ADC would enjoy the opportunity to review how we could assist you and your employees. Contact us today.

Underwriting and Brokerage Services

Through quarterly claims review, our team works to forecast your renewals and provide guidance on what future costs may be and what factors are driving the increase. Our annual RFP process brings back comprehensive options and leverage for each renewal period, in order to keep your costs low. Our goal each year is to allow you to offer the strongest benefits package possible to your employees. Our annual review incorporates:

  • Examining all possible funding arrangements for Medical and Rx
  • Leveraging market pressure on incumbent carriers for maximum rate relief
  • Medical and Rx trend utilization review
  • Plan design alterations in combination with voluntary plan options to avoid cost shifting
  • Employer/Employee Contribution Analysis
  • Market specific Benchmarking review
  • Demographic Analysis
  • Implementation, communication and transitioning of alternative insurance carriers

Strategic Planning and Renewal Management


We strive each year to strike a balance between cost containment and the continued offering of excellent benefits. We do not look to just shift costs onto employees with benefit reductions and review options with our clients to end at the best possible outcome. Through trend analysis, market comparisons and alternative funding devices, we develop plans that keep Employer costs down and Employee benefits strong. We use a consultative approach to review client needs and then implement and manage effective benefits programs. We have expertise in various funding arrangements, including:

  • Fully insured plans
  • Consumer Driven Health Plans
  • Self-funded plans
  • Level funded plans
  • Captives
  • Consortiums
  • Private Exchanges

Compliance & Audit

The health care regulatory landscape is constantly changing and it is almost impossible for employers to stay abreast of the changes or their requirements. Our team works with clients to deciphers legislative mandates and offers clear communications so that employers clearly understand the impact on their organization. We offer the following compliance and audit services to all our clients:

  • Updates on all compliance and regulatory rules and regulations including:
    • Sections 6055 & 6056 reporting and compliance
    • Form 1094/1095 reporting and compliance
    • Fee payments (PCORI fee, Temporary Reinsurance)

  • Development and update of Summary Plan Description
  • COBRA administration
  • 5500 reporting
  • Summary Annual Report preparation
  • Access to Susanin Widman & Brennan for ERISA support for legal guidance
  • Semi-annual review of enrollment reporting for accuracy
  • Access to library of compliance related documents and templates

Wellness Programs

We agree with the famous words of Ben Franklin, who said: “An ounce of prevention is worth a pound of cure.” Every employer who is serious about containing their health care costs needs to be invested in Wellness programing. But the term “Wellness” can convey a whole range of efforts, some effective, some not. We review options with our clients that are targeted to the employer’s specific needs and cultures and that have a proven efficacy that we have demonstrated elsewhere. There is no one size fits all approach to Wellness, but there is demonstrable ROI for efforts and we assist our clients with various programs that involve little to no cost on their part but can have a big impact. Our Wellness programing includes:

  • Turnkey workplace wellness programs
  • Worksite Wellness challenge programs
  • On-site nutrition counselling
  • On Site health screenings
  • Educational Seminar offerings
  • Electronic health education materials for employees
  • Access to library of Wellness promotional templates, flyers and posters

Employee Advocacy

Armstrong, Doyle & Carroll feels very strongly that the service provided to their clients has to be consistently at the highest level. The Health Care system is complex and difficult to navigate, which is why we encourage our clients to rely on us to be their advocate. Our Account Executives have an average tenure of 15 years and are experts at assisting clients with all aspects of health care administration. All clients are assigned a dedicated Account Executive who serves as your employee’s direct point of contact for all their benefit needs. It is our expert ability in servicing our clients and supporting their employees that sets us apart from others. We assist all clients with the questions on the following:

  • Medical benefits
  • Prescription benefits
  • Dental benefits
  • Provider location
  • Vision benefits
  • Life, AD&D, Long Term & Short
  • Disability policies
  • Supplemental Life policies
  • Voluntary Benefits
  • Health Savings Accounts (HSA)
  • Health Reimbursement Accounts (HRA)
  • Flexible Spending Accounts (FSA)
  • Section 125 Plans
  • Long Term Care policies
  • Claims adjudication
  • Billing reconciliation
  • Enrollment issues
  • ID card generation
  • Fulfillment of new hire & open enrollment material
  • COBRA administration
  • Life insurance conversion / portability notice management
  • Student verification & Evidence of Insurability tracking and management
  • Online Enrollment platforms
  • EDI feeds to carriers

Benefit Administration and Technology

Every small employer is faced with the daunting task of having to fill multiple roles.  Armstrong, Doyle & Carroll wants to relieve administrative burdens on employers through the implementation of technology solutions.  ADC has developed strategic partnerships with numerous Ben Admin vendors and can bring platforms to employers to make open enrollment activity paperless and efficient.  ADC provides online solutions that will allow you to:

  • Conduct online open enrollments
  • Review coverage elections for all employees
  • Monitor open enrollment participation
  • Track and store elections, plan documents and forms online
  • Demonstrate contribution levels for plans for informed benefit decisions
  • Electronically compare and select plan options
  • Transmit data to carriers electronically
  • Have consolidated billing for administrative ease

Need Employee Benefits Solutions?