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Employee Benefits

Your organization has specific requirements for your benefits package to tackle your unique challenges, manage premiums, and attract and retain talent. Are you settling for a one-size-fits-all plan?

We’ll work with you one-on-one to leverage our world-class resources and create a personalized plan that integrates competitive features with strategies that control costs and keep you compliant.

Employee Benefits

National Leverage, Local Insights

C2 Solutions

M3 is part of C2 Solutions, a strategic, equal equity partnership of like-minded brokers located throughout the country. Collaborating with these firms allows us to benefit from local expertise while leveraging our collective size to competitively negotiate price, product, service, and market terms with our carrier partners. What does this mean for you? Better contracts, better rates, and better services from a broker who is invested in your community and puts your needs first.

M3 Dataffect is a consultative approach to data that combines predictive analytics with deployable experts to drive your employee benefits strategy.

Led by Brian Meyer, M3’s director of risk management, the M3 Dataffect team uses health intelligence software to provide actionable insights that uncover opportunities to optimize your benefit spend, improve the health of your population, and accurately measure results.

Uncovering Trends to Better Your Benefits

M3’s annual Health Care Trend Report provides employers with information they need to benchmark their health insurance coverage offerings within the current market by sector, employer size and region. Find out how your plan compares.

GET THE REPORT

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Compliance

You have enough on your plate. Let us make compliance one less thing you have to worry about. We’ve put together a compliance practice led by Karen Breitnauer that provides personalized consultation for our clients. The team conducts research on regulatory and legislative issues, analyzes them, and breaks them down into plain, easy to understand language to assist with your compliance efforts.

Comply on the Fly - Information you need, in the time you have
Staying compliant just got easier.

Turn to M3 and Karen B. for quick and timely answers to the most common employee benefits compliance questions. At 5 minutes (or less) per episode, you can catch up fast and move on with your day.

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Worksite Benefits

Worksite benefits can boost your total rewards compensation and demonstrate your investment in the wellbeing of your team – without driving up your costs.

Cue Katie Ott. As director of M3’s worksite practice, she gets to know your employees and your culture, and pairs you with the right options that drive employee engagement with your program.

  • Accident
  • Critical illness
  • Hospital gap
  • Short-term disability

Self-Funded Plans For Employee Benefits

Self-funded plans let you take control of your healthcare costs, but with control comes complexity. We’re here to help you keep it simple. Matt Boray leads M3’s self-funded practice, partnering with our internal risk management team to provide data-driven recommendations to our self-funded clients on stop-loss coverage, prescription drug benefit management, and more.

Health Captives for Employee Benefits with M3

The health captive concept takes self-funding one step further, creating a program that allows you to join with like-minded organizations to share similar levels of risk. M3 is one of the only insurance brokers to staff a director of employee benefits captives, Jason Nordby, to keep our clients at the forefront of this innovative funding arrangement.

Employee Communication + Engagement

It’s one thing for your organization to have a comprehensive benefits plan, and another for your employees to understand and engage with it. M3 staffs a director of communication, Jeff Christensen, whose expertise lies in developing a complete communications strategy to help your employees understand their benefit plan, and make the best choices for their circumstance.

Employee Wellness

We don’t see wellness as just another box to be checked off. Tyler Stuntebeck, M3’s wellness advisor, can help you identify which wellness initiatives would best fit your employee population to drive participation, control healthcare costs, and provide measurable results.

Integrating Financial Benefits With Your Employee Benefits Strategy

M3’s in-house consultants help you achieve a comprehensive, synergistic benefits package. Programs such as health insurance, health savings accounts, and financial security are inseparable in the lives of your employees – we know that your approach to benefits should be just as aligned.

Our team of retirement plan consultants provide oversight to financial wellness strategy development and implementation, plan and benefit design consulting, investment consulting, and fiduciary risk mitigation.

MEET M3 FINANCIAL

business people analyzing data

HR Technology Consulting

HR technology should make your job easier, not add another category to your to-do list. We can help you sort through technology options and choose the right tools for tasks like benefits administration, payroll, online enrollment, talent management, and more.