champions of an unmatched client experience We are experts dedicated to helping small and emerging businesses grow and thrive.
©HORAN 2021
Welcome to Better Innovation & Technology
Doing What's Best for Our Clients
Premier, Boutique Health Bene ts Consulting
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Client Tenure Industry Status Service Model
36% of clients have been with HORAN for over 10 years. Among top 100 bene t rms nationally; elite status with all major carriers. Among the 5% of insurance consultants whose structure is built around client retention.
A NOTE FROM JULIE
Why You Should Know Us We are an entrepreneurial team of consultants exclusively dedicated to the health and strength of small and emerging businesses like yours. We save you time, money, and stress, becoming part of your team, going to bat for you to navigate, negotiate, and manage your bene ts.
Fierce Independence Drives Neutrality This means that we don't just provide the next best thing or only the tried and true solution. After investigating the entire market, we deliver the innovations and plans based on analyzation to drive positive outcomes. Our Size is Your Advantage We are small business gurus. Our clients bene t from the same expertise and solutions available through national consultants but have direct access to high-touch service and client advocates only demonstrated by regional rms. Structured for Your Success We bring cohesive specialization. This means our team of trusted advisors working for you, outside as well as inside, to help your business grow and thrive. Measurement Daily Our teams track metrics centered around delighting clients. These “huddles” facilitate proactive communication and detailed project management to ensure an unmatched client experience. Powered by HORAN We support you with the full power of HORAN with expert services in health bene ts, wealth management, compliance, executive rewards, retirement planning and disability.
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Julie B. Highley, CBC JulieH@horanassoc.com President, HORAN Emerging Business Advisors
MOVE FASTER
DIG DEEPER
ANALYZE MORE
ENGAGE BETTER
BUILD STRONGER
FUNDAMENTAL #2: DELIVER LEGENDARY SERVICE.
NEED PROOF? WE MOVE FASTER Our teams move quickly to evaluate the market to meet your needs and �nd solutions often overlooked. We are purposely staffed at twice the level of our competition to provide greater �exibility, focus and responsiveness. Relentless Response Time is a value we live by and measure...
SO YOU CAN
TRUST THAT YOUR
PRIORITIES
ARE OUR PRIORITIES.
Employer: Engineering EE Count: 45 Solution: Industry speci�c association plan with a prominent national health insurer
OUTCOMES Hired less than 30 days prior to renewal, provided approximately $60,000 in annual savings Predictability and stability in renewals, averaging single-digit renewals year-over-year
F U N D A M E N T A L # 5 : F I N D A W AY.
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WE DIG DEEPER We advocate on your behalf with tenacity. We listen generously to understand your challenges, investigate the data and
Employer: Scienti c Research Firm EE Count: 65 Solution: Designed bene t package that matched the scope of 1,000+ life company
OUTCOMES Consulted against bene ts, compliance, 401(k), payroll, outsourced HR, TPA services and bene t admin technology Employees averaged 40% in premium savings
exhaust every solution to deliver a customized plan that fuels your strategies...
SO YOU CAN
OFFER THE MOST
DYNAMIC COST EFFECTIVE
BENEFITS PACKAGE TO
RECRUIT & RETAIN
YOUR WORKFORCE.
FUNDAMENTAL #21: USE DATA TO MAKE DECISIONS.
WE ANALYZE MORE
NEED PROOF?
Everything we do starts and ends with data. Each decision made, from funding arrangements to vendor selection and everything in between, is determined based on bringing different entities together through benchmarking. Once a direction is taken our team measures the results of that decision to ensure effectiveness...
SO YOU CAN HAVE
PROOF AND RATIONALE
BEHIND YOUR OVERALL
STRATEGY AND MEASUREMENTS
OF SUCCESS.
Employer: Digital Printing Services EE Count: 70 Solution: Moved from large payroll company PEO to independent organization
OUTCOMES Gained �exibility to review all carriers and market solutions Plan experienced 18% dental and 27% vision savings Introduced new payroll vendor, TPA services, HR advisory resource and bene�t compliance Benchmarking helped determine noncompetitive and dated bene�t plans
F U N D A M E N T A L # 1 4 : B E R E L E N T L E S S A B O U T I M P R O V E M E N T.
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WE ENGAGE BETTER We become an extension of your HR team, educating your employees with the intention to
Employer: Logistics EE Count: 90 Solution: Implementation of 3 health plans with varying deductibles and plan types
OUTCOMES Saved approximately $259,000 of health care spend in rst year Conducted comprehensive compliance review, identifying vulnerabilities to the business that were not previously detected. Increased engagement in bene ts through education and introduction of new products.
inspire better health outcomes and cost savings. Our team engages your employees throughout the year, not just at open enrollment, with an array of dynamic tools designed to meet the needs of a multi-generational workforce...
SO YOUR EMPLOYEES
BETTER
UNDERSTAND AND
VALUE
YOUR BENEFIT OFFERINGS.
F U N D A M E N T A L # 1 : D O W H A T ' S B E S T F O R T H E C L I E N T, A L W A Y S .
WE BUILD STRONGER
NEED PROOF?
We treat your plan as if it were our own. Each bene t strategy we build comes with short-term goals and long-term stability. As a result your strategy is tailored to t your unique business goals and culture and is built to sustain even the most-challenging claims year...
SO YOU CAN HAVE
PEACE
OF MIND THAT YOUR
BENEFIT PARTNER
IS AS INVESTED IN
YOUR BUSINESS
OBJECTIVES AS YOU ARE.
Employer: Law Firm EE Count: 23 Solution: Multiple Employer Welfare Arrangement (MEWA)
OUTCOMES Annual renewals averaged 5% versus an average of 20% over the previous 3 years
The HORAN Way: HORAN's 27 Fundamental Values At HORAN, we’ve been protecting people’s futures for over 70 years. Through all those years, we’ve been guided by ve core values: integrity, commitment, accountability, corporate social responsibility and innovation. But what do those values mean in action? The 27 Fundamentals describe how we live those values each and every day. They’re what set us apart and what make us leaders in our eld. We call this The HORAN Way.
1. Do What's Best for the Client.
2. Do the Right Thing, Always.
3. Make Quality Personal.
4. Deliver Legendary Service.
5. Find a Way.
6. Honor Commitments.
7. Practice Blameless ProblemSolving.
8. Get Clear on Expectations.
9. Be a Fanatic about Response Time.
T H E H O R A N WAY : H O R A N ' S 2 7 F U N DA M E NTA L VA LU E S
10. Check the Ego at the Door.
19. Invest in Relationships.
11. Go the Extra Mile.
20. When in Doubt, Communicate Personally.
12. Listen Generously.
21. Use Data to Make Decisions.
13. Speak Straight.
22. Think and Act Like a HORAN Owner.
14. Be Relentless About Improvement.
23. Embrace Growth.
15. Collaborate.
24. Celebrate Success.
16. Be Positive.
25. Be a Brand Ambassador.
17. Communicate to Be Understood.
26. Give Back. Pay it Forward.
18. Be Curious.
27. Keep Things Fun.
By-The-Numbers
73
600+
years of providing legendary service to both our local and national clients.
companies look to HORAN for guidance on their employee bene ts strategies.
300,000
48
individuals depend on HORAN for their Health, Wealth & Life needs.
HORAN is extremely proud to serve clients in 48 states.
READY TO HEAD IN A NEW DIRECTION? www.horanassoc.com / 800.544.8306