Companies today need the guidance of professionals who understand business problems and business people. Employee benefit plans, retirement programs, executive compensation plans and business succession planning pose challenging problems for business owners today. Plancorp, Inc. is a leader in providing these services to both public and privately owned companies. Our commitment is to help you develop programs and provide value-added services that will enable you to attract, motivate, and retain quality employees. Our services include:

Ø Business Succession Planning

Ø Employee Benefit Plans

Ø Executive Compensation Programs

Ø Retirement Plans

Below is additional information about the services and products that we offer to our business clients.

Compare...at no cost! We offer a no obligation, no cost benefit analysis that compares your company benefit plans with other available carrier options and against other employers in your industry. Contact our office to take advantage of this opportunity!

Group Insurance plans are no longer "fringe benefit" programs. Their cost is increasing dramatically and often represents a substantial percentage of a company's overall compensation expense. We work with businesses to design group benefit packages that are competitive, cost-effective, and satisfy the goals of the company as well as the needs of its employees.

Plancorp, Inc. is an independent company that represents the leading carriers in the industry that provide quality products with strong customer service and support. To employer groups, we provide:

Ø COBRA Compliance Assistance

Ø Dental Insurance

Ø Disability/Long Term Care Plans

Ø Health Savings Accounts

Ø Health Insurance

Ø Life Insurance/AD&D Coverage

Ø Section 125 ("Pre-Tax Premium" or "Cafeteria") Plans

Ø Voluntary Benefit Programs

Ø Wellness Programs

Ø Vision Coverage

As benefit costs continue to rise, we work with employers to creatively control both employer and employee costs so that they can continue to provide employees with quality insurance protection. Options such as Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), Section 125 "Pre-Tax" Premium Plans, Flexible Spending Accounts (FSAs), partial or total self-funding, and "Defined Contribution" plans are available and discussed with employers as part of this process.

In addition to our planning expertise, we strive to provide our clients with the service they should expect from their benefit planning organization. Plancorp, Inc. works with clients to effectively communicate their benefit packages and provides assistance with the enrollment process. After plans are installed, we continue providing advice, information, and on-going services to both the company and its employees. Our knowledgeable and experienced staff is committed to helping our clients with answers to day to day questions and solving any administrative and/or claims problems that may arise. At renewal, we review each program to make certain that it remains competitive and continues to meet company objectives and employee needs.

The insurance carrier partners include:

Many businesses today seek to provide financial security for employees both during working years and into retirement. Plancorp, Inc. can help you develop and establish a retirement program that provides valuable tax and retirement benefits for both the company and its employees. Our work includes selecting the appropriate plan to meet your company's needs, technical plan design and implementation, employee enrollment meetings, on-going participant education, and compliance assistance and coordination. We offer programs such as:

Ø Defined Benefit Plans

Ø Pension Plans

Ø Profit Sharing/401(k) Programs

Ø SIMPLE-IRA

Ø Simplified Employee Pensions (SEP)

For more information about retirement plans, go to www.fmstrategies.biz.

We work with companies to develop specialized benefit arrangements for selected and/or key employees. These innovative and creative programs are designed to help a company attract, retain and reward the employees who are important to their success. Plans are tailored to meet both the company's and employees’ financial objectives. Among these programs are:

Ø Deferred Compensation...a custom-designed plan that allows the ability to defer compensation on a pre-tax basis and have funds accumulate on a tax-deferred basis with a variety of investment choices and flexible distribution options.

Ø Disability Income Plans...supplemental coverage that, when combined with company group coverage, will provide greater income replacement.

Ø Executive Life Income Plans...specialized insurance arrangements that are designed to provide cost-effective benefits to supplement traditional group life insurance plans.

Ø Supplemental Executive Retirement Plans...provide additional income for retirement by targeting specific income replacement ratios.

Planning for the transfer of a business from one generation to the next or from one shareholder to another is vital to a company's continued success. We help business owners to develop and establish succession plans that meet both personal and corporate planning objectives. Legal and tax issues as well as estate planning implications are all considered during this process.