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We help clients lower their total cost of risk by challenging the status quo, solving complex business problems and delivering creative insurance solutions. Our technical expertise and proprietary programs, combined with our commitment to client service is the foundation of the value we bring to our clients every day. Upcoming Events

MULTI-DATE EVENT Employee Benefits Seminar Tour May - August, 2024 Pewaukee, WI | Oakbrook, WI Iowa City, IA | St. Paul, MN | Green Bay, WI Pick Your Date! We are excited to extend an invitation to our upcoming Employee Benefits Seminar Tour designed specifically for individuals like you, who are at the forefront of shaping organizational culture and strategy. Cottingham & Butler hosts these exclusive events to provide a free opportunity for HR professionals to network, stay on top of emerging trends, and be a strategic leader in their organization. These events promise a comprehensive exploration of key themes shaping the business landscape in 2024, tailored to address the pressing concerns and challenges faced by HR professionals today. “The content and the information is great and I walk away with ideas to bring back to help enhance our benefits packages and compensation.” - COTTINGHAM & BUTLER SEMINAR ATTENDEE Seminar Tour Coming to a City Near You!

Wednesday, May 3 | 12 PM CT Hyatt Regency Coralville Hotel & Conference Center 300 East 9th St., Coralville, IA 52241 FREE SEMINAR Knowledge is Power Employers continue to face the everyday challenge of offering attractive employee benefits & compensation packages that are truly valued by employees, combined with the financial and administrative burden that comes with doing so. Knowledge is power. MAY 3, 2023 12 PM CORALVILLE, IA Key Takeaways / Agenda 12:30 PM – 1:00 PM | Welcome and Registration ​ 1:00 PM- 2:00 PM | The Power of Purpose – A Case Study From One of the Best Places to Work Presented by John McHugh, Director of Corporate Communications, Kwik Trip With a turnover rate 6x lower than their industry average, there is no doubt the folks at Kwik Star have developed a recipe for success when it comes to employee engagement. To share some of the secrets behind their success, we have invited John McHugh, director of corporate communication s, leadership development and training at Kwik Star to present on the Power of Purpose in the workplace and the profound effect it has had for their 34,000+ employees in over 800 stores. ​ 2:00 PM – 3:00 PM | The Critical Role of Compensation in the Recruitment Process Presented by Matt Shefchik, Assistant Vice President, Carlson Dettmann Consulting When discussing compensation with candidates its more than just the final dollar amount offered, but being able to best position their total rewards being offered to attract that top talent. Today’s employees value pay transparency and pay equity within the recruitment process. In this hour, participants will learn the importance of pay transparency, how to align pay expectations with the candidates, and how to balance the candidates experience with internal equity. ​ 3:00 PM – 4:00 PM | Follow the Leaders: What High Performing Employers Are Doing to Curb Costs & Boost Employee Value Presented by Taylor Orton, Vice President, Benefits – Cottingham & Butler In an old social science theory known as the “Diffusion of Innovation Theory”, there are five types of adopters in the world of innovation, including: Innovators, Early Adopters, Early Majority, Late Majority, and Laggards. While there are the five categories, the distribution in each is not equivalent, as only about 16% of organizations are truly considered Innovators (2.5%) or Early Adopters (13.5%). This 16% is often known as the market leader in their respective field, as most competitors often lag behind adoption and copy ideas well after they are proven a success. While it is understandable that not every organization has the risk tolerance levels required to be a true innovator, finding ways to expedite that knowledge transfer is imperative for the remaining 84% of employers to have any competitive advantage in the market. In this session, participants will learn about the leading edge strategies being used by innovative employers to have a competitive edge in the Great Resignation. ​ 4:00 PM – 5:00 PM | Optional Hors D’oeuvres and Happy Hour Presenters Olivia Walker Editor in Chief Dan Mitchell Assistant Manager Noah Patterson Programming Editor Tess Anderson Art Director Upcoming Events WEBINAR Captive 101 for Metal Manufacturers Are you tired of unpredictable insurance premiums and limited control over your risk management? Join us for an insightful webinar that will introduce you to the world of group captive insurance - a powerful alternative that's transforming how businesses approach risk. In this session, we'll discuss a potential captive solution for metal manufacturers. Our expert panel will demystify group captive insurance and demonstrate how it can benefit your foundry, die casting, or forging operation. Whether you're a seasoned insurance professional or new to alternative risk solutions, this webinar will provide valuable takeaways into how group captives work and why they're gaining popularity across various industries. Read More WEBINAR Driving Continuous Improvement with Safety & Lean Manufacturing Discover how to transform your organization's safety and efficiency through the powerful combination of lean manufacturing principles and safety practices. This webinar will reveal practical strategies for implementing continuous improvement initiatives that drive both operational excellence and workplace safety. Through real-world examples and proven methodologies, you'll gain actionable insights to launch or enhance your organization's continuous improvement journey. Read More WEBINAR Identifying and Addressing Common OSHA Violations in a Shop Join us for an informative webinar to help shop owners, managers, and safety professionals identify and address common OSHA violations. Ensuring compliance with OSHA regulations is crucial for maintaining a safe and productive work environment. This webinar will give you the knowledge and tools to recognize potential hazards and implement practical corrective actions. Read More Connect with a C&B Representative Today!

WEBINAR SERIES COMPLETE THE FORM BELOW TO REGISTER FOR ALL UPCOMING SESSIONS Self-Insurance Simplified Explore self-funding strategies for cost-effective healthcare options. Employee benefit costs are up 5.6% from 2022. Healthcare costs are one of the largest and fastest-growing business expenses and one that many feel they have very little control over. This webinar series comprehensively explores self-funding strategies for employers to provide cost-effective healthcare options. Don’t miss out! Explore the sessions below and register today! On-Demand Upcoming ON-DEMAND Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term WATCH NOW ON-DEMAND Self-Insurance Simplified - Self-Funding 101 WATCH NOW ON-DEMAND Self-Insurance Simplified - Strategies for Reducing Claims Spend WATCH NOW ON-DEMAND Captive Advantage 101 WATCH NOW ON-DEMAND GuideRe Advantage WATCH NOW AUGUST 13th | 10:00 AM - 11:00 AM Steps to Joining Guide Re ​ Interested in joining? For our final webinar we will provide a timeline and high-level overview of the process of being reviewed for the captive and joining. Employee Benefits Insight & Impact Articles The Hidden Culprits Behind Skyrocketing Healthcare Costs: What Every Employer Needs to Know Did you know that the average cost of family health coverage in the U.S. is a staggering $31,000 per year? Stop Loss On-Demand | Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Self-Funding 101 Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now! VIEW MORE BenefitWave Connect with a C&B Representative Today!

WEBINAR Driving Continuous Improvement with Safety & Lean Manufacturing Wednesday, November 13th | 1:00 PM ​ Discover how to transform your organization's safety and efficiency through the powerful combination of lean manufacturing principles and safety practices. This webinar will reveal practical strategies for implementing continuous improvement initiatives that drive both operational excellence and workplace safety. Through real-world examples and proven methodologies, you'll gain actionable insights to launch or enhance your organization's continuous improvement journey. November 13, 2024 1:00 PM VIRTUAL Learning Objectives Understand the strategic advantages of implementing continuous improvement initiatives and their impact on organizational success Differentiate between Lean and Six Sigma methodologies and determine the most effective approach for your organization Apply the seven fundamental types of waste identification in your operations while integrating crucial safety considerations Implement effective team-based improvement strategies through Rapid Improvement Events (RIE) and collaborative problem-solving Analyze real-world case studies demonstrating successful waste reduction initiatives, including measured ROI and safety improvements Your Host Chris Warren Safety Consultant - Safety Management Services Company Upcoming Events WEBINAR November 7, 2024 Captive 101 for Metal Manufacturers Are you tired of unpredictable insurance premiums and limited control over your risk management? Join us for an insightful webinar that will introduce you to the world of group captive insurance - a powerful alternative that's transforming how businesses approach risk. In this session, we'll discuss a potential captive solution for metal manufacturers. Our expert panel will demystify group captive insurance and demonstrate how it can benefit your foundry, die casting, or forging operation. Whether you're a seasoned insurance professional or new to alternative risk solutions, this webinar will provide valuable takeaways into how group captives work and why they're gaining popularity across various industries. Register Now! Register Now! WEBINAR November 13, 2024 Driving Continuous Improvement with Safety & Lean Manufacturing Discover how to transform your organization's safety and efficiency through the powerful combination of lean manufacturing principles and safety practices. This webinar will reveal practical strategies for implementing continuous improvement initiatives that drive both operational excellence and workplace safety. Through real-world examples and proven methodologies, you'll gain actionable insights to launch or enhance your organization's continuous improvement journey. Register Now! Register Now! WEBINAR November 20, 2024 Identifying and Addressing Common OSHA Violations in a Shop Join us for an informative webinar to help shop owners, managers, and safety professionals identify and address common OSHA violations. Ensuring compliance with OSHA regulations is crucial for maintaining a safe and productive work environment. This webinar will give you the knowledge and tools to recognize potential hazards and implement practical corrective actions. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

WEBINAR Identifying and Addressing Common OSHA Violations in a Shop Wednesday, November 20th | 1:00 - 2:00PM ​ Join us for an informative webinar to help shop owners, managers, and safety professionals identify and address common OSHA violations. Ensuring compliance with OSHA regulations is crucial for maintaining a safe and productive work environment. This webinar will give you the knowledge and tools to recognize potential hazards and implement practical corrective actions. November 20, 2024 1:00 - 2:00PM VIRTUAL Learning Objectives Overview of OSHA regulations relevant to shop environments Common OSHA violations in shops and how to identify them Best practices for maintaining compliance and avoiding penalties Case studies of real-world violations and their resolutions Strategies for creating a culture of safety in your shop Your Host Garett Larson Safety Consultant – Safety Management Services Company Upcoming Events WEBINAR November 7, 2024 Captive 101 for Metal Manufacturers Are you tired of unpredictable insurance premiums and limited control over your risk management? Join us for an insightful webinar that will introduce you to the world of group captive insurance - a powerful alternative that's transforming how businesses approach risk. In this session, we'll discuss a potential captive solution for metal manufacturers. Our expert panel will demystify group captive insurance and demonstrate how it can benefit your foundry, die casting, or forging operation. Whether you're a seasoned insurance professional or new to alternative risk solutions, this webinar will provide valuable takeaways into how group captives work and why they're gaining popularity across various industries. Register Now! Register Now! WEBINAR November 20, 2024 Identifying and Addressing Common OSHA Violations in a Shop Join us for an informative webinar to help shop owners, managers, and safety professionals identify and address common OSHA violations. Ensuring compliance with OSHA regulations is crucial for maintaining a safe and productive work environment. This webinar will give you the knowledge and tools to recognize potential hazards and implement practical corrective actions. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

Captives & Programs Providing best-in-class companies a competitive advantage by rewarding great performance. CONNECT WITH OUR TEAM Are you ready to break free from the limitations of traditional insurance? Group captives offer a dynamic solution for best-in-class companies to collaborate with like-minded peers, seize control of your risk financing strategy, and unlock the potential for substantial cost savings and shared profits. The Captive Advantage Video Experience the Captive Advantage with Cottingham & Butler We're not just managing captives, we're shaping the future of risk management. With 12 member-owned group captives under our belt, we have the experience and expertise needed to find a program that perfectly aligns with your strategic vision and financial goals. What’s the Difference? Standard Market For best-in-class businesses, traditional insurance has historically been the go-to-choice for managing risk. However, it often comes with costly challenges. Fluctuating insurance costs regardless of claims experience Market volatility beyond your control Limited influence over claims management The stress of last-minute renewals Insurance carrier retains profits Captive Program A group captive brings together best-in-class companies who join to form their own insurance company. The captive is controlled by its owners, enabling companies to break free from the standard market. Request a FREE personalized captive comparison Cottingham & Butler Captive clients have received over $300 million back in dividends . Who We Serve Transportation > Construction > Benefits Stop Loss > Food & Agribusiness > Manufacturing > The Captive Experts The Captive Experts Cottingham & Butler, a leading national insurance broker, has excelled in group captive insurance programs since 1993. Our 12 captives, with 380+ members, achieve an outstanding 99% renewal rate. Our success stems from our dedicated team, rigorous selection process, and consistently lower loss ratios compared to industry standards. A Suite of Resources Provides Support A Partnership That Led to Growth A Community of Peers Safety & Claims Experts Provide Relief How Joining a Captive Changed it All Captive Brochure Ready to learn more about our Captive Solutions? DOWNLOAD OUR CAPTIVE BROCHURE “When it came down to comparing our options and making a decision, we felt the Safe Trucking captive was the best fit for South East Carriers, Inc. We value the relationships we have built with other members and the C&B team.” Jeremy Gobble | President, Southeast Carriers, Inc. Captives & Programs Connect with our Captive Experts Today!

Transportation Industry Our team’s in-depth understanding of the transportation industry ensures personalized risk management and insurance solutions that deliver tangible results for our clients. SEE HOW OUR EXPERTISE CAN SAFEGUARD YOUR FLEET The most effective and thoughtful insurance broker in the country. ​ Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Entrust your insurance needs to a broker who knows trucking inside and out and is dedicated to delivering exceptional client service. Ready to take your trucking operation to the next level? Join us at the 2025 Transportation Summit! September 3-4, 2025 - Chicago, IL SAVE YOUR SEAT TODAY! Cottingham & Butler Knows Trucking Introducing Tailored Coverage Solutions designed specifically for the unique needs of trucking operations. Auto Liability Non-Trucking Liability Cargo Physical Damage General Liability ​Workers’ Compensation Umbrella Excess Alternative Risk Independent Contractor Cyber Employee Benefits Connect with our team of transportation experts today! Fleet Safety Early data for 2024 indicates a troubling trend: large truck crash fatalities are on the rise. This translates not only to human tragedy but is also costing our industry billions each year. But even minor accidents can significantly disrupt your operations and erode profitability. Cottingham & Butler's in-house safety team is here to help you navigate these challenges. Safety program analysis & benchmarking Driver Risk Evaluation Loss Analysis & Risk Improvement Plans Driver & Management Training Tools Safety Culture Consulting Expert Mock Simulations KEEP YOUR SAFETY PROGRAM PROACTIVE! Claims Advocacy & Management Did you know the average cost of a large truck liability claim in the US is $179,000? With poorly managed claims posing significant financial risks, trust Cottingham & Butler's in-house claims team to be your advocate. Leveraging our deep understanding of the trucking industry, we're committed to delivering superior claims results. Serving guaranteed cost, large deductible, captive insurance, and self-insured clients In-house claims advocacy team Dedicated adjuster model Industry-leading claims technology and reporting In-house Nurse Case Management Sensible reserves based on claim assessment, not worst-case scenarios or historical averages LEARN MORE Captives & Alternative Risk For over 30 years, Cottingham & Butler has been a leader in the trucking industry, pioneering the use of captive insurance programs. We currently manage some of the world's largest group trucking captives, empowering industry leaders like yourself to unlock the true potential of your insurance spend. 7 Member-owned group trucking captives Over $288 Million in dividends returned to clients 99% Captive Member Retention Dedicated loss control and claims management LEARN MORE Independent Contractor Insurance Solutions We get the unique insurance needs of independent contractors and the trucking companies they are leased to. You can count on us as your partner for business growth, providing flexible insurance solutions to minimize risk and lower costs. Proprietary Risk Scorecard and Assessment Comprehensive Protection – Occupational Accident, Physical Damage, Non-Trucking Liability Independent Driver Solutions Drive & Tow Away Program LEARN MORE Benefits Solutions Studies show that companies offering competitive benefits packages experience a 25% lower employee turnover rate. With a deep understanding of the transportation sector, our expert consultants offer innovative and flexible benefit plans designed to increase employee satisfaction, attract top talent, and improve retention rates. Transportation-Specific Plan Design & Strategies Integrated Claims and Benefits Administration Compliance & HR Consulting Wellness Solutions Program Analysis and Benchmarking LEARN MORE Leading the way in trucking insurance for over 30 years. 300+ Dedicated Transportation Professionals 2,500+ Trucking Clients Across the U.S. $950M Transportation Premium Placed An industry in constant motion, demands high performance and flawless execution. See how our clients are running safer fleets, lowering claims and becoming more profitable. VIEW CASE STUDIES TO SEE OUR CLIENT IMPACT Transportation Insight & Impact Transportation Top 5 Risks Impacting Texas Trucking Companies Written by Larry Nedder Texas trucking companies face a myriad of challenges in today's evolving business environment. Understanding and... Articles Factors to Consider When Estimating Maximum Loss of Business Income Business interruption insurance can offer much-needed financial protection when an organization’s usual business activities are disrupted... Articles On Demand | Navigating Driver Safety: Insights Inside and Outside the Cab The transportation industry is an industry unlike any other. According to the U.S. Department of Labor, Bureau of Labor Statistics, truck... VIEW MORE Contact Us Connect with a Transportation Expert!

This Company Achieved $500,000 in Pharmacy Savings Case Study With Cottingham & Butler's Innovative Approach At a Glance The Challenge The Cottingham & Butler Approach Looking Ahead Cut Pharmacy Costs by $500,000 (71% of Total Pharmacy Spend) Key Wins Approximately $500,000 reduction in pharmacy claims year-to-date (71%), reducing per-member per-month (PMPM) spend from $165 to $48 Transition to United Healthcare provided employees with a robust national network and improved coverage flexibility for Rihm's workforce Savings allowed for reinvestment in employee-centric programs ​ Like what you see? Connect with our team! Client Profile INDUSTRY Commercial Truck Dealership LOCATION Minnesota SIZE ~280 Employees The Challenge The Challenge Rapidly increasing benefits costs year over year Limited flexibility with previous provider (HealthPartners) Multiple large specialty medication claims driving costs Need for more proactive, innovative benefits strategies to support growth Our Approach The Cottingham & Butler Approach In-Depth Analysis & Strategy Development Utilized our Pharmacy Toolkit to collect and analyze Rihm's claims data Conducted a thorough drug review to identify cost-saving opportunities Benchmarked against industry standards to pinpoint improvement areas Developed a tailored strategy, recommending the optimal combination of ControlRX and NaviCareRx programs Strategic Pharmacy Management Implemented our proprietary Control RX and NaviCareRx programs Cut pharmacy costs by 71%, reducing per-member per-month (PMPM) spend from $165 to $48 Projected YTD annual savings of $459,000 Data-Driven Cost Control Transitioned from a limited Minnesota-based network to United Healthcare's comprehensive national network Expanded access to care for employees across the country while maintaining cost efficiency Improved employee satisfaction through broader provider choice and improved coverage for out-of-state care Enhanced Clinical Oversight Ensured appropriate medication usage through specialty exclusions, orphan medication exclusions, and patient assistance programs Achieved significant savings with minimal disruption to employee care, maintaining high satisfaction levels. "Our collaboration with Cottingham & Butler has been transformative. Not only did we achieve substantial cost savings—nearly half a million dollars in just six months—but we've also significantly improved our employee benefits package." JB | Chief Operating Officer, Rihm Kenworth Looking Ahead Looking Ahead As Rihm Kenworth builds on this success, the focus remains on maintaining and extending the benefits of their optimized pharmacy program: Continuous monitoring and adjustment of the pharmacy benefit strategy to ensure sustained cost control Regular analysis of utilization trends to identify and address emerging cost drivers proactively Ongoing evaluation and implementation of innovative cost-saving measures, such as new drug management programs and procurement strategies Periodic benchmarking against industry standards to maintain a competitive edge in benefits offerings while managing costs effectively Free Case Study Download our free, printer-friendly case study now and gain instant access to valuable insights! DOWNLOAD THE CASE STUDY Relevant Resources How to Cut Healthcare Costs by Up to 30% We've compiled five of the most impactful considerations your company can make to save on health coverage costs while providing exceptional benefits plans for your employees. DOWNLOAD THE GUIDE Explore Our Cost Management Strategies We focus on minimizing expenses while ensuring your insurance investments retain their value. We integrate analytics, alternative funding methods, and forward-thinking claim management to optimize your benefits. LEARN MORE Population Health At the heart of our mission lies a commitment to your employees' wellbeing, understanding that a healthy workforce is a thriving workforce. We advocate for your employees' health and wellbeing because we know it's not just good for them; it's great for your bottom line. LEARN MORE Connect with our Employee Benefits Team

Better Every Day That is our promise to our clients, company, and people. It’s a commitment to challenging conventional wisdom, innovating, and improving how we serve our clients and grow as industry professionals. 4th largest privately and independently held insurance broker in the U.S. At Cottingham & Butler, we sell a promise – to show up and deliver for our clients during life’s toughest moments. Every day, we pair brilliant ideas with strategy, empathy and hard work that produces results that are the rival of the industry. SEE HOW WE HELPED BUSINESSES LIKE YOURS Trusted Insurance Advisors Cottingham & Butler is a privately-held, national insurance broker, and a leading provider of risk management and employee benefits insurance & consulting services. Property & Casualty Employee Benefits Solutions Captives & Programs Safety Management Services Claims Management Featured Insights Articles Understanding Your Options: Standard Market, Self-Insurance, and Captive Insurance Programs Discover the advantages of Standard Market, Self-Insurance, and Captive Insurance programs. Personal Lines Maximizing Protection While Minimizing Costs Personal Lines Optimizing Multi-Home Insurance: How We Increased Coverage and Decreased Premiums by 33% Personal Lines From Gaps to Comprehensive Coverage VIEW ALL INDUSTRY NEWS & EVENTS “The relationship that we have, and have always had, with Cottingham & Butler is trust. We listen to them, and they haven’t steered us wrong yet. Without Cottingham & Butler, it’d be hard for us to be where we are today.” David Freymiller | CEO, Freymiller People Who Make A Difference What makes Cottingham & Butler so special? It’s simple – our people. Our team is made up of extraordinarily talented individuals who consistently prioritize the success of our clients and their teammates, working to achieve the very best in everything they do. EXPLORE OPPORTUNITIES

Transportation Captives Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Cottingham & Butler transportation captives provide best-in-class companies a competitive advantage by rewarding great performance. Captive Advantage Connect with our team of Transportation experts! Securing Your Future With Our Experience With substantial experience supporting risk-sharing alternatives, you can count on Cottingham & Butler’s rich experience, expertise, and innovative captive solutions. The Cottingham & Butler Group Captive Insurance Model allows trucking companies to break free from the standard market, take control of their insurance program, reduce costs, and invest in themselves. Sole Producer for the World's Two Largest Transportation Captives Serving Over 252 Transportation Captive Members Globally Achieving a Remarkable 99% Member Retention Rate Leveraging Over 300 In-House Trucking Insurance Experts Comprehensive Programs and Services to Prepare You for Captive Insurance Dedicated In-House Teams Focused on Transportation Claims and Safety Establishing and Managing Industry Leading Captives Since 1992 Trucking Companies Turn to Captive Insurance Programs to Control Rising Insurance Costs READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2024 Q2 REPORT Ready to learn more about our Transportation Captive Solutions? VIEW OUR CAPTIVE BROCHURE Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact Stop Loss On-Demand | Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Self-Funding 101 Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Strategies for Reducing Claims Spend Self-funded employers are able to take control of plan spend through many different strategies. We dive into some of these top strategies... VIEW MORE Transportation Captive Contact Contact our Transportation Captive Experts Today!

Employee Benefits Our Employee Benefits Practice serves as an extension of your business, helping clients efficiently administer highly valued benefits at an affordable and sustainable cost. Combining thoughtful analysis with bold strategies, we empower better business decisions and deliver an improved benefits experience. Strategic Employee Benefits Consulting Reimagining Your Benefits Strategy Improve employee satisfaction, save time & money. We craft tailored Employee Benefits Solutions that engage your workforce and optimize your bottom line. Cost Management Employee Rewards & Engagement Compliance Management Population Health & Wellbeing HR & Administrative Efficiency Mergers & Acquisitions Cost Managemet COST SAVING OPPORTUNITIES IN-DEPTH PLAN ANALYSIS IDENTIFIES GET THE FULL STORY! Cost Management Recent studies have shown that family healthcare in the U.S. is now over $31K per year and the #1 cause of bankruptcy for even those with health insurance. By meticulously analyzing your existing benefits plan, we help identify opportunities to minimize expenses while maximizing the value you receive from your program. ​ Unlock Cost-Saving Strategies > Compliance Compliance Management With a staggering 42% of employers facing penalties for benefits compliance errors, staying on top of regulations is crucial. Our team ensures that your benefits plan remains compliant with all industry regulations by conducting thorough audits, implementing crucial updates, and offering access to a variety of tools and expert resources. ​ Stay Ahead of the Curve > HR & Administrative Efficiency Simplify Enrollment & Enhance Perceived Value: Get Your Free, Customizable Flyer Today. HR & Administrative Efficiency Is your HR team bogged down by administrative tasks instead of focusing on strategic initiatives? Streamlining your HR processes with expert support can free up your team by more than 20% to focus on what matters most – your people By creating efficient systems and workflows, we improve employee satisfaction and drive productivity among your team. ​ Explore Solutions > Employee Rewards & Engagement Employee Rewards & Engagement Happy employees aren't just happy, they're loyal. SHRM studies show that happy and engaged employees are 59% less likely to leave your company. We build upon wage-centric discussions by focusing on a holistic approach, enriching your employees' overall experience with your organization. By strategically aligning reward elements, we not only help you attract top talent but also improve employee retention and engagement. ​ Boost Engagement & Attract Top Talent > BenefitWave is a revolutionary departure from conventional survey methods, utilizing decades of consulting expertise to help employers better understand and leverage their employees' benefit preferences. GET EMPLOYEE INSIGHTS WITH BENEFITWAVE Population Health & Wellbeing Clients without a condition management program spend over $13,300 per member, per year for people with a chronic health condition. Discover How Employers Are Achieving Breakthrough Results With a Condition Management Program Population Health & Wellbeing Explore how Population Health Solutions can transform your workforce into a healthier and more productive asset, all while delivering substantial cost savings. Benefit from data-driven insights, personalized wellness programs, and proactive health management to improve employee well-being and boost your organization's bottom line. ​ Uncover the Power of Population Health Solutions > Mergers & Acquisitions Mergers & Acquisitions Allow us to facilitate a seamless transition in benefit structures through effective due diligence and risk evaluation. Our team of M&A experts shine in finding cost-effective procurement strategies to enhance your financial structures, guiding you throughout for a seamless transition and improved operational value. ​ Learn More On How to Protect Your M&A Investment > Avoid Costly Oversights: Download Your Free M&A Due Diligence Checklist Forward by Design We’ve redefined the broker's role, departing from the conventional and embracing the future. Our approach reflects our dedication to empowering your business through year-round benefits planning, steady support, and strategic preparation. Anticipate and Adapt We anticipate changes in the benefits landscape and swiftly adapt strategies to keep you ahead of the curve. Our consultative and proactive stance ensures your benefits program evolves with the industry. Strategic Partnerships, Not Just Transactions We don't just broker deals; we build lasting partnerships. Our approach is collaborative, working closely with you to craft tailored benefit solutions that align with your goals and values. Year-Round Engagement and Support Benefits planning isn't a once-a-year event; it's an ongoing commitment. We believe in accountability and provide continuous support, proactive insights, and strategic guidance throughout the year to optimize your benefits portfolio. Holistic Benefit Ecosystem Beyond insurance, we architect a holistic benefit system. We incorporate wealth, health, and engagement elements, ensuring your employees' well-being and job satisfaction. Let’s Chat! Schedule a Call With Our Team Featured Expertise Why Forward-Thinking Companies Choose Stop-Loss Captives Feeling the pressure of rising healthcare costs? Healthcare costs have risen by twice the rate of overall inflation over the past decade and are not expected to slow down. For this reason, more companies are embracing innovative solutions like Benefits Stop-Loss Captives. A stop-loss captive offers employers the control of a self-funded plan combined with the security of protection against catastrophic claims. Think of it as a financial safety net that shields you from unexpected healthcare costs. EXPLORE THE STOP-LOSS ADVANTAGE Gaining Control Over Prescription Drug Costs A recent study found that specialty drugs now account for over 50% of total pharmacy expenses, despite representing only a small fraction of prescriptions filled. This translates to significant financial strain on employers. That's where strategic carve-out programs and patient assistance programs come in. GPS, Cottingham & Butler's guided pharmacy solution, empowers employers to gain greater control over high-cost specialty drugs and connect employees with valuable assistance programs. DISCOVER HOW TO SAVE WITH GPS Cottingham & Butler 2024 Employee Benefits Trends Report As employee expectations and demographics shift, the employee benefits landscape keeps evolving. The Benefit Trends Report stands out by zeroing in on what HR teams and corporate executives prioritize: cost management and enhancing employee value. GET YOUR FREE COPY NOW! Insight & Impact Articles The Hidden Culprits Behind Skyrocketing Healthcare Costs: What Every Employer Needs to Know Did you know that the average cost of family health coverage in the U.S. is a staggering $31,000 per year? Stop Loss On-Demand | Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Self-Funding 101 Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now! VIEW MORE Employee Benefits Connect with our Employee Benefits Team