Solutions Overview

Whether you’re competing for talent in the public or private sector — we help you leverage winning benefits programs that protect your bottom line.

Another way of saying it? We help you to be there for everyone and do more with less.

Our Solutions

We think outside the box with solutions that make a difference for our clients.

Benefits Consulting

  • Medical & Pharmacy Plan Consulting
  • Public School Benefits Consulting
  • Wellness Program Implementation
    & Management
  • Fully-Insured to Self-Funded Migrations
  • Voluntary Benefits Plan Consulting
  • Actuarial Services
  • Data Analytics
  • Customized Medical Management
  • Benefits Plan Benchmarking
  • Compensation Studies
  • Mergers & Acquisitions
  • International Benefits Consulting
      Benefits Administration

      • Ben Admin System Implementation & Maintenance
      • Management of Enrollment & Eligibility Events
      • Custom Payroll Reporting
      • Vendor Eligibility Reporting
      • ACA Reporting & Filing
      • Retiree Billing
      • Self-Funded Short-Term Disability Administration
      • Leave Management (including FMLA)
      • Self-Funded STD Administration
      • Total Compensation Statements
      • Dependent Verification & Audit
      Benefits Communication

      • HR Help Desk Services
      • Exit Interviews
      • Educational Tools and Resources
      • Videos, Enrollment Brochures, and Benefits Guides
      • Mobile-Optimized Benefits Websites
      • Email & Text Campaigns
      • Mobile-First Benefits Website
      Benefits & HR Compliance

      • Employee Enrollment (Open Enrollment & New Hire)
      • ERISA Counsel
      • Form 5500 Filing
      • PCORI Filing Support
      • Handbook Audit
      • Plan Document Management
      Concierge Employee Support

      • Proactive Employee Outreach
      • Employee Advocacy
      • Qualifying Life Event Changes & Enrollment
      • Beneficiary Updates
      • Employee Questions
      Open Enrollment

      • Telephonic and Online Enrollment
      • Onsite and Virtual Event Support
      • Proactive Outreach via Email, Text, Phone
      • Open Enrollment Education and Communication
      • Post-OE Reporting
      HR Outsourcing

      • Printing & Fulfillment Management
      • Mobile App Deployment
      • Total Compensation Statements
      • Year-Round Email & Text Campaigns

      We’re not like other consultants.

      How does your benefits consultant stack up?

      Key Features
      No Conflicts of Interest
      Vendor & Carrier Options
      Medical Plan Strategy
      Employee Engagement Rate
      Annual Medical Savings
      Medical Out-of-Pocket
      100% aligned to client’s needs – no kickbacks
      100% of Vendors and Carriers
      100% quality driven
      8-29% annual savings
      Decreases annually
      Other Brokers & Consultants

      Zero Savings (6-11% annual cost increase)
      Increases annually

      Results That Speak for Themselves


      decrease in employee turnover


      in savings on medical spend


      increase in the perception of benefits


      increase in employee engagement

      Industries We Serve

      Across multiple industries and sectors — Totem positions employers with benefits packages that help them win at recruiting and retention.

      Our Mission

      Be there for everyone.

      You want to make sure no employee gets left behind — but you want to make sure to protect your bottom line too.

      With a proven track record of delivering 8% to 29% in annual savings to clients who adopt our engineered health benefits that leverage data and best practice — we help you offer a winning benefits package, all while lowering your costs.