Lloyd Sadd Benefits is an independent, professional, creative consulting resource that offers industry-leading products and services. We span the gap between traditional benefit arrangements and self-funding, flexible benefit arrangements and third-party administration.
We take pride in our independence and the excellent relationships we have formed with insurance providers. The breadth of insurance providers we know and work with enables us to offer competitive rates and coverage for complex insurance exposures.
We will assess your organization’s benefits or compensation offering in relation to the market. We offer relative value analysis, benefit level benchmarking, claim benchmarking, cost comparisons, and risk assessments.
Employee meetings, employee communication pieces, and awareness studies.
Competitive and cost-efficient solutions for international employee benefits. Lloyd Sadd Benefits offers optimized protection while safeguarding the continuity of your business.
Secure benefit plans, even for firms that have only one employee outside Canada.
Administrative-only agreements, refund accounting, health care spending accounts, flexible benefit strategies, and health and welfare trust solutions for organizations of any size.
Regular claim reports, plan utilization by benefit, normative data comparison, trend projection, and cost containment strategies.
A voice for your business in discussions with insurance companies. We troubleshoot, handle, and ensure exceptional resolution of claims.
Preparation of benefit plan specifications/deviations for submission to the insurer marketplace and detailed analyses of all insurance carrier responses in the form of a concise report with recommendations.
Rate comparisons, reviews of carriers’ reserve and retention charges (if applicable), and plan design alternatives.
Structured RRSPs, deferred profit sharing plans, defined contribution and defined benefit pension plans, individual pension plans, and actuarial services.
Contact us to learn more about employee benefits.
"Too often in this world of "dog eat dog", companies promise "the Moon" but deliver only "Star Dust". I can tell you that if you are considering looking at a new Insurance Broker I HIGHLY RECOMMEND you speak to Mr. Horcica to enjoy the experience I and my team have encountered over the last year."
- Don Sroka, President & CEO, Smitty's Family Restaurants