Are you giving your employees the choice of benefits they deserve?

The answer to this question should be the driving force in every employee benefits decision a company makes. If a company believes its employees have the knowledge to make intelligent choices in their healthcare, your current employee benefit package may be leaving some employees dissatisfied with their benefits, and worse yet, company dollars being spent unwisely.

With the right health insurance and benefit plan design and proper funding strategy, a company can offer its employees more choice than ever before. Increased choice coupled with benefits education and one-on-one enrollment leads to increased satisfaction as more educated employees have the knowledge they require to pick the benefit plan that meets their needs best. Offering increased choice to employees doesn’t increase the benefit budget and can actually reduce their benefits costs.

With the partnership between Fortress Benefits and Advantage Administrators, the top employee benefit administration company in Iowa, we provide:

  • Employee benefit plan design options
  • More choices for employees with their benefits
  • Maximized tax savings opputunities for the employer and employees
  • Company specific benefit funding strategies
  • One-on-one employee enrollment and education
  • Increased employee satisfaction with their benefits
  • One stop shop for all company employee benefits
  • Emphasis on compliance with our on-staff ERISA attorney with over 30 years of benefit experience

Let us help you design an employee benefits package that fits both you and your employees’ unique individual situations.

Plan Design

We do plan design differently

At Fortress Benefits, our focus isn’t on selling you a product, but instead, listening to the needs of your company to design the right employee benefits package for you. Our most popular plan designs involve creating a full menu of benefit choices for the employees to choose from to maximize satisfaction.

Choice and Education

To ensure employees make the right decisions, Fortress Benefits focuses on two things that increases employee satisfaction with their benefits: choice and education. During enrollment, we work with each employee individually to educate them on which of the choices fits their needs. With increased choice and with Fortress Benefits’ one-on-one enrollment and education, benefits selection move from confusion to clarity.

Health Insurance

  • Choice of up to five major group medical insurance options
  • Full range of deductible options
  • Multiple networks available
  • Health Savings Account compatible plans with investment feature

Ancillary Insurance

  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability
  • Long-Term Care
  • Telehealth
  • Legal Shield
  • Critical Illness

Other Product Options

  • ID Theft
  • Pet Insurance
  • Wellness
  • Retirement
  • United Way Donation
  • Any other company needs
  • Employee Assistance Program (EAP)

Pre-Tax Reimbursement Accounts

  • Flexible Spending Account
  • Health Savings Account with investment features
  • Dependent Care Reimbursement Account

Funding Options

Funding your employee benefits package

At Fortress Benefits, we help small businesses determine the right funding strategy that works for their employees. You the employer decide the funding level that works for your company. When a company sets the level of funding, they are able to determine if their financial costs increase, decrease or stay the same year-over-year. At Fortress Benefits, we help employers determine the right funding strategy that works for them.

Employee Use of Funds

Once the funding level is determined, the employees then use those funds to select the benefits to fit their own individual needs. Fortress Benefits will be there step-by-step with our one-on-one counseling and electronic enrollment to ensure the employees are educated and comfortable with their benefit choices to make the right decision for their individual situation.

Flexible Plan Design Options

  • Flat dollar amount or NO contribution
  • Percentage of premium
  • Flat dollar amount for each employee classification
  • Pre-tax Health Savings, Flexible Spending, Health Reimbursement, and
  • Dependent Care Accounts
  • Cash out options