⛉ Employee Benefits
Attract & Retain Top Talent with the Right Benefits
Offer competitive health, dental, vision, life, and retirement plans that support your team and strengthen your business from within.
Custom Benefit Solutions That Fit Your Workforce & Budget
At Hako Risk & Insurance, we help businesses build competitive employee benefits packages that attract and retain top talent. From group health insurance to dental, vision, life, disability, and voluntary benefits, our team works with you to tailor coverage that fits your budget and your employees’ needs. Whether you're a small startup or a multi-location organization, we help simplify plan selection, enrollment, and compliance—so you can focus on running your business.
Our employee benefits solutions pair well with other essential policies like workers’ compensation, risk management, and commercial insurance to ensure complete protection across your organization. With access to top-rated carriers and decades of experience, Hako delivers benefits strategies that support both your team and your long-term success.
Group Benefit Products and Services
Hako Risk & Insurance offers a comprehensive suite of group benefit products and advisory services tailored for middle-market businesses and visionary entrepreneurs across the western US. Our approach goes beyond traditional offerings, providing strategic, flexible, and cost-effective solutions that help you attract and retain top talent while managing compliance and costs.
Our Group Benefits Solutions Include:
Core Group Benefit Products
- Traditional Group Health Insurance Plans
Comprehensive medical coverage options designed to fit your workforce’s needs and your budget.
- High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs)
Cost-effective plans paired with tax-advantaged savings accounts.
- Self-Funded, Partially Self-Funded, and Level-Funded Plans
Flexible funding arrangements to help you manage risk and control costs.
- Multiple Employer Welfare Arrangements (MEWAs)
Innovative solutions for smaller groups to access larger group benefits.
- Flexible Spending Accounts (FSAs)
Pre-tax accounts for healthcare and dependent care expenses.
- Dental and Vision Insurance
Standalone or integrated plans to support employee wellness.
- Short-Term and Long-Term Disability Insurance
Income protection for your employees in case of illness or injury.
- Life and Accidental Death & Dismemberment (AD&D) Insurance
Financial security for employees’ families.
- Voluntary Benefits
Customizable options such as critical illness, accident, and hospital indemnity coverage.
- Retirement Benefits (e.g., 401(k) plans)
Help your employees plan for their future.
- Absence Management Solutions
Streamlined leave administration and compliance support.
Open Enrollment & Employee Engagement
- Digital Enrollment Platforms
User-friendly online systems for streamlined enrollment.
- Comprehensive Benefit Guides and Required Notices
Clear communication materials for employees and management.
- Active or Passive Enrollment Options
Flexibility to match your company’s culture and needs.
- Annual Enrollment Process Support
End-to-end assistance, including payroll integration and compliance checks.
Strategic Advisory & Plan Management
- Long-Term Benefits Strategy Development
Multi-year planning to align your benefits with business goals.
- Cost-Containment Guidance
Proven strategies to manage and reduce benefits spend.
- Industry-Specific Exposure Identification
Tailored recommendations based on your sector’s unique risks.
- Transition Support to Self-Funded Models
Expert guidance for businesses seeking greater control over their benefits.
Open Enrollment & Employee Engagement
- Digital Enrollment Platforms
User-friendly online systems for streamlined enrollment.
- Comprehensive Benefit Guides and Required Notices
Clear communication materials for employees and management.
- Active or Passive Enrollment Options
Flexibility to match your company’s culture and needs.
- Annual Enrollment Process Support
End-to-end assistance, including payroll integration and compliance checks.
Compliance and Administration
- Ongoing Compliance Support
Regular updates and guidance on ACA, COBRA, Section 125, ERISA, and more.
- Comprehensive Compliance Packages
Including PCORI filing, 5500, SPD Wrap Docs, HIPAA training, and nondiscrimination testing.
- ACA Reporting Solutions
Especially for level-funded and self-funded clients.
Employee Education & Communication
- Benefits Communication Development
Customized materials to maximize employee understanding and appreciation.
- Employee Education Sessions
Live or virtual presentations to answer questions and boost engagement.
- Total Rewards Statements
Clear, personalized summaries of each employee’s full compensation package.
Technology & Analytics
- Benefits Administration Platforms and HRIS Integration
Seamless technology solutions for HR teams.
- Data Analytics and Benchmarking Tools
Actionable insights to inform decision-making and ensure competitiveness.
Wellness and Value-Added Services
- Wellness Program Design and Implementation
Initiatives to improve employee health and productivity.
- Risk Management and Consulting
Proactive identification and mitigation of benefit-related risks.
- Vendor Evaluation and Management
Objective reviews to ensure best-in-class service and value.
HR Support Services
- Unlimited Senior-Level HR Consultations
Direct access to experienced professionals for policy, compliance, and employee relations questions.
- HR Technology Platform Access
State-of-the-art tools for reporting, compliance tracking, and document management.
- Employee Handbook Development and Legislative Updates
Keep your policies current and compliant with evolving regulations.
Transform your employee benefits from a necessary expense into a strategic advantage. Hako Risk & Insurance is your partner in building a benefits program that supports your business goals, enhances your employer brand, and delivers real value to your workforce. For more information or to schedule a consultation, contact Kraig Sturgill at ksturgill@hakorisk.com or 503-547-4248.
Our Services
We offer a broad spectrum of insurance solutions designed to meet the unique needs of businesses and individuals:
Reliable bonding services to support your contractual and legal requirements.
Protect What You've Built
Your business deserves more than just a policy—it deserves a partner. Let's discuss how Hako Risk & Insurance can help you minimize risks and maximize protection.
