Maintaining a comprehensive, flexible, cost effective employee benefits program is not a one size fits all proposition. There are many factors involved in the proper evaluation, negotiation, and installation of a benefits program that is well received by employees and within the budget of the organization. The Melita Group brings experience and expertise to this process to take the guesswork out of the entire employee benefits evaluation and implementation process.

The Melita Group can help you turn the potentially arduous task of benefits selection and implementation into a process that yields a positive result for both you and your employees. Using our proprietary Insurance Plan Rating Index (IPRI) tool and our extensive knowledge of the industry we can assist you with objectively evaluating the quantitative and qualitative factors that should go into a comprehensive employee benefits program analysis. The IPRI assigns a value, or score, to every insurance carrier in the market (includes all lines of coverage including medical, dental, vision, life, disability, EAP, FSA/Sect 125/Cafeteria plan, etc). The IPRI is only a small segment of the total benefits evaluation package provided by The Melita Group at no cost to our clients and prospects. The standard proposal package includes:

  • Pricing/coverage details for all carriers in the marketplace.
  • Insurance Plan Rating Index (IPRI) score for all carriers.
  • Detailed breakdown of services provided by The Melita Group included in our standard service offering.*
  • Benchmarking data including industry data on plan design, premium contributions, etc.
  • Other proprietary reports and content to assist our clients in making an educated decision as to what products and services to install and maintain.

*Like all brokers The Melita Group is compensated through commissions paid by your insurance carrier. It is our practice to fully disclose our commissions in advance of engaging our firm so that our clients can establish expectations and hold us accountable for our performance based upon our compensation and our service commitments. Insurance services provided through Melita-McDonald Insurance Services, Inc. (license #0B78370)

Key Benefits Consulting Services:

Extensive Qualitative and Quantitative Analysis of the entire benefits product marketplace.

Selecting the right employee benefits products and services is a critical component to the overall structure of a quality, cost effective benefits program. Given the difficult to measure, qualitative factors associated with insurance products it is necessary to conduct a thorough evaluation of all qualitative and quantitative factors of the numerous products available in the market. At The Melita Group, we take this task seriously. Our methodologies for providing our clients with the data necessary to make educated, informed decisions is unparalleled in the industry.

Alternative Funding Analysis (i.e. — Partially self funded, HR'’s, HSA’s, ASO).

Because every employers’ goals, objectives, and demographic factors are unique, there is no single best type of insurance program for all companies. Additionally, the marketplace is changing and new and innovative insurance programs are on the rise. When advising our clients we take a practical approach to evaluating all relevant factors to assist our clients with determining the optimal funding mechanism for their benefits programs.

Cost Control Strategies.

With insurance premiums out of control it is important for employers to implement various traditional and non-traditional strategies to minimize the costs associated with providing insurance benefits to their employees. At The Melita Group we see it as one of our key responsibilities to work with our clients to advise them of such programs to keep their costs at a minimum without impacting the quality of their benefits program.

Strategies to increase employee satisfaction and loyalty.

Responsive benefits support. Employee self-service technology. Benefits statements outlining the employer costs associated with providing employee benefits. Onsite health fairs. Company sponsored fitness/health programs. Community involvement programs. These are just a few of the many potential programs and strategies that can be employed to contribute to the overall job satisfaction and loyalty among employees. The Melita Group can consult with our clients to assist them in identifying and implementing the appropriate programs to achieve this goal.

Benchmarking Data.

Making informed decisions requires relevant and accurate data. The Melita group provides our clients with industry benchmarking data to assist them making the decisions necessary to maintaining a competitive benefits program and competitive compensation structures.

Merger/Acquisition Assistance.

Acquiring or merging with another business is a major undertaking for any HR department. To assist our clients we have developed a regimented system including a comprehensive checklist of all steps that must be taken to properly complete transition process from start to finish.




"Thanks to The Melita Group we received a single digit rate increase from our medical carrier in a market where trends were well into the double digits. As a result we saved over $200,000."

Pam Petriello, Director, Human Resources