Is Your Benefits Advisor Keeping Up With Your Changing Business Needs?
Most benefits advisors treat renewal time like a finish line. They negotiate your rates, hand you a spreadsheet, and disappear until next year. But what happens when your business priorities shift? When new regulations hit? When your workforce demographics change mid-year?
The truth is, your business doesn't operate on an insurance calendar, and neither should your benefits strategy.
The Problem with "Set It and Forget It" Benefits Management
Most brokers are perfectly content collecting their commissions while your plan sits on autopilot for 12 months. They lack the motivation and/or bandwidth to provide ongoing strategic support. This lazy approach costs employers thousands in missed opportunities and unaddressed risks.
Consider these scenarios:
Traditional brokers treat these as "next year's problems." You can demand better.
The DSG Approach
Real benefits management means constant monitoring and strategic adjustments. Here's how we keep your program aligned with your evolving objectives:
Data Reviews
We don't wait for renewal season to examine your claims data. Consistent analysis helps us spot trends early, whether it's rising pharmacy costs, imaging claim spikes, or utilization patterns that signal needed plan adjustments.
Continuous Objective Alignment
Your top three business priorities at renewal might not be your top three priorities six months later. We incorporate objective reviews into every meeting, ensuring your benefits strategy stays aligned with your business goals.
Mid-Year Strategic Adjustments
When we identify opportunities, we act immediately. Recent example: we secured a direct contract with a major imaging provider for a client, reducing their MRI and CT scan costs by 40%. It was implemented three months after renewal.
Employee Feedback
Most employers make benefits decisions based on spreadsheets and broker recommendations. But if your 200 employees hate the dental plan you're paying for, you're wasting money and hurting retention.
We regularly survey our clients' workforce to measure:
Without this feedback, you're designing benefits in a vacuum, a costly mistake in today's multi-generational workforce.
Questions to Ask Your Current Advisor
If you're working with a traditional broker, ask these questions:
Their answers will reveal whether you're getting strategic partnership or passive order-taking.
Flexibility Creates Value
The benefits market moves fast.
New solutions, regulations, and cost-saving opportunities emerge constantly. Employers who work with adaptable partners capture these advantages. Those stuck with rigid, annual-cycle brokers miss out.
At DSG, we view the renewal as a starting point, not an endpoint. Real value comes from the 11 months of strategic support, data analysis, and continuous improvement that follow.
Your business objectives will change. Your workforce will evolve. Market conditions will shift.
The question is: will your benefits advisor change with you, or will they collect their commissions while you navigate these challenges alone?
DSG Benefits Group specializes in ongoing benefits management and strategic adaptation for forward-thinking employers. We put our compensation structure at risk to ensure alignment with your success.