-Performed comprehensive review of existing health and welfare programs-Conducted marketing studies for all lines of coverage-Developed comprehensive bid specifications for all health and welfare benefits and analysis of insurance carrier proposals-Created management reports on program costs, stop loss, and trends-Facilitated problem resolution between the carrier and the client-Assisted with implementation a of benefit plans and developed communication materials to meet client needs-Negotiated premium rates for clients that utilize fully insured and self-insured products-Reviewed plan documents, contracts and summary plan descriptions