Presentation delivered by Brian P. Garman, Director, Employee Benefits, Piedmont Airlines, Inc. and PSA Airlines at the marcus evans Employee Benefits & Compensation Summit 2019 held in Atlanta, GA

1. “Best Practices That Promote
Efficient and Effective Benefits
Administration”
Brian P. Garman
Director, Employee Benefits
Piedmont Airlines, Inc. and PSA Airlines

2. Efficient & Effective Benefits Administration
Intro
What Is Benefits Administration?
The Nitty Gritty
Insourcing vs. Outsourcing
In-House - Lean on me.
Out-Source – Stairway to Heaven
Is it the goose that lays the golden egg?
The Good Lawyer – Just to name a few.
Do we really have to [Insert any government regulation here]?
Go Fund Me
Don’t show me the money . . . .
Slide 2

3. The Nitty Gritty
 What is efficient benefits administration?
 What Benefits?
 Health & Welfare, Retirement, Wellness Programs, FMLA Benefits,
Tuition Reimbursement, Workers’ Comp., pet insurance.
 The Paper Chase & Adding Value
 The Paper Chase
 The Paper Chase – There is a tremendous amount of work that goes
into running an In-House Benefits Dept.
 Phone calls, monitoring new hires, terminations LOA premium
payments, monthly audits.
 Putting policies in place to ensure EVERYTHING goes right
 Adding Value
 How do we add value through benefits administration?
 The R word . . . get out there!
 Taking care of the people . . . There are no (insert anything here).

4. In-Sourcing Vs. Out-Sourcing
 What is the better approach to Add Value?
 Brokers, Brokers, Brokers!
 This is a must have, unless you are a former broker.
 They perform the leg work – costing plan design, negotiating,
researching all the cold calls from other venders, the
additional programs offered by TPA’s.
 In-Sourcing – Get it to run smoothly.
 Size of the organization.
 Ability to recruit & train.
 Empathic people.
 Reconcile invoices, HIPAA, COBRA, QDRO’s etc . . .
 How easy is it to communicate/engage?
 Your Limitations.

5. In-Sourcing Vs. Out-Sourcing Cont.
 Out-Sourcing – The Golden Egg?????
 Health care avengers.
 Getting to know you . . . really know you.
 Flavor of the month?
 Why are we sending out?
 Really depends on the organization and it’s goals.
 Not being able to administer them yourself.
 The pros & cons.
 They become the “benefits dept” and the relationship needs
to be actively managed.
 Are you more efficient, is it more personable.
 Better expertise, better technology.
 The Cost.

6. Compliance
 Where to start?
 The three D’s.
 ERISA.
 ACA – Preventative Rules.
 ACA – Shared Responsibility Rules.
 1095’s/W-2’s.
 HIPAA Privacy & Security Rules.
 Fiduciary Rules.
 AGL & KWYAD.
 Your layer needs to be an extension of the benefits
department.

7. The Dollars - Healthcare
 How much are we paying for that?
 How do we manage the cost.
 According to CMS healthcare spending will increase
annually by at least 5.5% through 2025.
 Employer healthcare cost were expected to rise by 6.5%
in 2018.
 Average annual premiums for Single coverage increase
5% and 3% for family. (Kaiser Family Health Bene Survey)
 Claims are claims right?
 Care Management Programs.
 CDHP Plans?
 Wellness Programs.

8. Questions
 Let’s Talk!