Benefits Connection: Issue 11, January 2011 by Asperity

benefits connection

ISSUE 11 / JANUARY 2011 Also in this issue: t 5IF GVUVSF GPS øFY t 1BZSPMM ZPVS UJNF IBT DPNF t &NQMPZFS 5BML XJUI "WJWB

Insight, strategy and best practice in employee benefits from Asperity

EVOLUTION OR REVOLUTION:

What’s Best for Benefits?

WHY STAYING STILL IS NO LONGER AN OPTION

benefitsconnection

WELCOME

CONTENTS

A STEP CHANGE IN BENEFITS DELIVERY:

THE FUTURE FOR FLEX

The road to flex was paved with good intentions, but itโ s time for a change. #Z (FPSHF 'BSSPX $MJFOU 4FSWJDFT %JSFDUPS GPS "TQFSJUZ &NQMPZFF #FOFG JUT

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Editorial

The future for flex

Payroll, your time has come

Incarnations of an employee benefits site

Employer Talk with Aviva

Holiday trading: fly with it Open letter to the government

10. 11.

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Over time, โ choiceโ came to mean complexity. Complexity is rarely cheap, and even more rarely is it flexible. Glenn Elliott MD, Asperity Employee Benef its glenn@asperity.co.uk

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If your flex product portfolio offers travel insurance from company A, what about the employees who, for reasons of their own, want to get their travel insurance from companies B-Z?

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PAYROLL, YOUR TIME HAS COME Widening your benefits portfolio for (almost) nothing. #Z )FMFO $SBJL 0QFSBUJPOT %JSFDUPS GPS "TQFSJUZ &NQMPZFF #FOFG JUT

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Payroll is one of those jobs that is barely on the radar until something goes not quite right

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BENEFIT

RATIONALE

SAVING

RISKS

CHILDCARE

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CYCLE TO WORK

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AUGUST 2007

EVOLUTION AT A GLANCE:

INCARNATIONS OF AN EMPLOYEE BENEFITS SITE

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REWARD GATEWAY 3

You donโ t get to be market leader by standing still. Over the last 4 years, Asperity has re-invented its Reward Gateway employee benefits platform no less than 6 times - making it clear that an employee benefits site with genuine discounts and savings for the employee was in demand. With three total re-builds from the ground up, customers are buying a highly refined product and one that includes a great deal of knowledge and experience. With Reward Gateway 4, announced last month, Asperity has done it again. AUGUST 2006

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SEPTEMBER 2009

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NOVEMBER 2010 JANUARY 2007

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EMPLOYER TALK

key facts Scheme launch date UI .BZ

Employees

Current engagement

Avivaโ s Reward Consultant, Sarah Moore, talks to Asperityโ s Client Service Director, George Farrow, about the reasoning behind adding an employee discount scheme to Avivaโ s benefits portfolio in 2010, and the ingredients of a successful benefits communication programme. George: What made you decide to go with an employee benefits service at Aviva? Sarah: 8F SFCSBOEFE UP "WJWB MBTU ZFBS BOE POF PG UIF NFTTBHFT UIBU XBT JOUFHSBM UP VT XBT JOEJWJEVBM SFDPHOJUJPO 8F E CFFO SFWJTJUJOH PVS SFXBSE QBDLBHF PWFS UIF MBTU GFX ZFBST 8F E JNQMFNFOUFE รธFYJCMF CFOFรถUT JO BOE UIF FNQMPZFF EJTDPVOUT XBT UIF MBTU QJFDF PG UIF KJHTBX QV[[MF JU T XIBU UIF FNQMPZFFT XFSF DBMMJOH PVU GPS UP USZ BOE TBWF NPOFZ PO UIJOHT UIFZ BMSFBEZ CVZ XIFSF UIFZ EJEO U IBWF UP NBLF NPOUIMZ DPNNJUNFOU UISPVHI B TBMBSZ TBDSJรถDF TDIFNF 5IFZ DPVME KVTU VTF JU BT BOE XIFO UIFZ XBOUFE UP

G: What role does effective account management on the part of your benefits provider play in helping you achieve your companyโ s benefits objectives? S: 4JODF UIF TZTUFN T CFFO JO QMBDF PVS BDDPVOU NBOBHFS IBT CFFO WFSZ SFTQPOTJWF UP SFRVFTUT BOE SFRVJSFNFOUT UIBU BSF CFJOH TFOU UISPVHI GSPN CPUI PVS CFOFรถUT UFBN BOE PVS FNQMPZFFT XIP VTF UIF TDIFNF 'PS FYBNQMF XF XFSF SFDFOUMZ MPPLJOH BU EPJOH TPNFUIJOH GPS OBUJPOBM FOFSHZ TBWJOH XFFL TP XF BSSBOHFE UP IBWF TQFDJรถD QSPWJEFST QSPNPUFE PS BEEFE PO UIFSF 5IJT MJOLFE UP PVS DPSQPSBUF TPDJBM SFTQPOTJCJMJUZ PCKFDUJWFT TP NBLJOH UIFTF DIBOHFT UP UIF TJUF BMMPXFE VT UP ESJWF UXP BHFOEBT BU UIF TBNF UJNF G: Is there anything about your employee discounts service that you have been pleasantly surprised by?

G: What persuaded you to choose your current discounts provider, Asperity? S: 8F TBX B OVNCFS PG QSPWJEFST EVSJOH UIF TFMFDUJPO QSPDFTT BOE JU DBNF CBDL EPXO UP UIF QPJOU PG JOEJWJEVBM SFDPHOJUJPO "TQFSJUZ XFSF BCMF UP QSPWJEF VT XJUI B TZTUFN UIBU XBT WFSZ JOUVJUJWF XIFO ZPV MPHHFE PO ZPV DPVME DVTUPNJTF UIF IPNFQBHF FYBDUMZ IPX ZPV XBOUFE XIJDI NBEF JU BCTPMVUFMZ JEFBM 4P QFPQMF DPVME CSJOH UIF PรฒFST BOE DBUFHPSJFT UIFZ XBOUFE UP UIF GSPOU PG UIFJS IPNFQBHF TP UIFZ EJEO U IBWF UP TJGU UISPVHI MPUT PG PรฒFST UIBU XFSFO U SFMFWBOU UP UIFN "OE IPQFGVMMZ JU XPVME NBYJNJTF UIF BNPVOU PG UJNF UIBU FNQMPZFFT XPVME TQFOE VTJOH UIF XFCTJUF

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Asperity were able to provide us with a system that was very intuitive when you logged on; you could customise the homepage exactly how you wanted, which made it absolutely ideal.

G: Do you think there are some facets of the service that appeal to certain types of employee that arenโ t internet enabled? S: :FT UIF TIPQQJOH WPVDIFST BSF POF PG UIF CJH TQFOEFST JO UIF "WJWB TDIFNF $FSUBJOMZ UIF 4BJOTCVSZT BOE "TEB PรฒFST QVMM PVS FNQMPZFFT JO BOE DBUDI UIFJS FZF * UIJOL XIBU PVS FNQMPZFFT MJLF BCPVU JU JT UIFSF T OP VQGSPOU DPNNJUNFOU ZPV TQFOE XIBU ZPV XBOU PO B SFMPBEBCMF DBSE XIFO ZPV XBOU JU JU T FBTZ UP VTF ZPV PSEFS ZPVS SFMPBEBCMF DBSE CFGPSF JO UIF NPSOJOH BOE JU T XJUI ZPV UIF OFYU EBZ :PV DBO UPQ JU VQ BT BOE XIFO ZPV XBOU TP ZPV OFFE UP CF B CJU NPSF QMBOOFE QFSIBQT CVU UP TBWF PO ZPVS TIPQQJOH BMM ZFBS SPVOE UIFO * UIJOL JU T B TNBMM TBDSJรถDF BOE * UIJOL POF UIBU PVS FNQMPZFFT BSF UBLJOH GVMM BEWBOUBHF PG

Certainly the Sainsburyโ s and Asda offers pull our employees in and catch the eye G: Presumably that kind of regular shopping is something youโ d want to encourage rather than the ad hoc transactions - so that you can keep the service in peopleโ s minds all the time? S: "CTPMVUFMZ * UIJOL UIBU T XIFSF B HPPE DPNNVOJDBUJPOT QSPHSBNNF DPNFT JO 8F QSPNPUF UIF CJH CSBOET BMM ZFBS SPVOE UIBU XF LOPX IBWF UIF MPOH UFSN CJH EJTDPVOUT 4P UIFO JG TPNFPOF T QVMMFE JO CZ "TEB PS 4BJOTCVSZ T UIFO UIFZ SF HPJOH UP CF VTJOH UIF TDIFNF SFHVMBSMZ BOE UIFZ NJHIU QJDL VQ TPNF PG UIF NPSF BE IPD PรฒFST BMPOH UIF XBZ

G: Are there any other methods of communication youโ ve found to be effective to get employees onto the discount site? S: 8F BMTP SFBMMZ SFMZ PO XPSE PG NPVUI GPS UIF TDIFNF T TVDDFTT "U "WJWB XF UFOE UP CF B CJU MJLF B GBNJMZ BU FBDI TJUF TP JG UIFSF T BO "TEB KVTU PWFS UIF SPBE BT TPPO BT POF FNQMPZFF LOPXT UIFZ DBO HFU B EJTDPVOU UIFSF UIF XPSE XJMM TQSFBE BOE UIFJS DPMMFBHVFT XJMM CF MPHHJOH PO UP HFU UIFJS SFMPBEBCMF DBSET JO OP UJNF G: So do you actually hunt out benefits champions to try and get them to promote the offers? S: 8IFO XF รถSTU JNQMFNFOUFE UIF TDIFNF XF HBWF PVS DPOTVMUBUJWF GPSVN BDDFTT UP JU CFGPSF JU MBVODIFE GVMMZ /PSNBMMZ UIFZ SF FNCBSHPFE UP UBML BSPVOE DFSUBJO UIJOHT CVU XJUI UIJT POF XF BDUVBMMZ XBOUFE UIFN UP UBML BCPVU UIFJS FYQFSJFODFT PG VTJOH JU TP UIBU UIFZ DPVME CFDPNF BEWPDBUFT PG UIF TZTUFN BOE TUBSU UP DSFBUF TPNF FYDJUFNFOU BOE CV[[ BSPVOE JU CFGPSF JU IJU 8F BMTP VTFE SPBETIPXT UP QSPNPUF .Z "WJWB &YUSBT BOE DFSUBJO PUIFS BTQFDUT PG PVS CFOFรถUT QBDLBHF BMM BDSPTT UIF DPVOUSZ GSPN 1FSUI SJHIU EPXO UP 4PVUIBNQUPO TP PVS QFPQMF DPVME DPNF BMPOH รถOE PVU NPSF BCPVU XIBU UIFJS FNQMPZFF EJTDPVOUT TDIFNF JOWPMWFT BOE IPX UP VTF JU G: What do you think is going to come next as far as benefits is concerned? S: * UIJOL GPS VT BT * TBJE UIF FNQMPZFF EJTDPVOUT XBT UIF รถOBM QJFDF UP PVS SFXBSE QBDLBHF /PX XF SF MPPLJOH BU SFGSFTIJOH PVS NFTTBHJOH BSPVOE UPUBM SFXBSE TFMMJOH PVS XIPMF CFOFรถUT QBDLBHF BT B UPUBM FMFNFOU UP FNQMPZFFT TP UIBU UIFZ VOEFSTUBOE BMM UIF CFOFรถUT PG DPNJOH UP XPSL GPS "WJWB

Watch this video interview and more on Asperityโ s You Tube Channel at: www.youtube.com/AsperityEmployeeBens

OPEN LETTER TO THE GOVERNMENT

HOLIDAY TRADING:

FLY WITH IT #Z -J[[JF 5JOMFZ &NQMPZFF "CPVU 5PXO

'SPN )FMFO $SBJL "TQFSJUZ T 0QFSBUJPOT %JSFDUPS BOE )3 QSPGFTTJPOBM GPS ZFBST

The writer, Richard Bach, was a firm believer in choice. โ Allow yourself to live as you choose,โ he counselled, creating an eponymous seagull hero that decided to fly faster and higher than anyone else in his feathery family.

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