Actuarial Analysis

JRW Associates has a specialized department that focuses on analyzing and interpreting your benefit plan data in order to arm our clients with all the quantitative knowledge they need to make the most informed decisions. Our Underwriting, Analytics and Reporting Department is comprised of professionals with backgrounds in corporate finance, budgeting, underwriting and mathematics.

The extensive knowledge of our staff along with our proprietary actuarial systems allow us to not only monitor and explain current plan performance, but also to predict what future costs the plan may generate. Our analytical services include:

Claims Analysis
Monthly Plan Loss Ratio Reporting
Financial Statements
Medical Reserve Calculation
Stop Loss Analysis – Determination of Optimal Pooling Levels
Analysis of Pricing Based on Benefit Plan Changes
Plan Cost Projections

I appreciate everything you're doing for us!

Business Manager

After 35 years in banking and operating my own firm I can recognize both good and bad service levels immediately. If there is ever a problem, issue or question [my Benefit Advisor] is our "go to" person and with good reason. He is responsive and attentive to our needs. I have not sent out many of these notes in the past 35 years because it is difficult to find many companies that are above average or exceed my expectations after the sale has been completed.

Business Owner

Insurance is not a topic that most people and or companies enjoy dealing with, but my Advisor has made it pain free. He is an asset to your company and clients.

Business Owner

Thank you for providing this very personal benefit.

Headmaster of School

I want to send my deepest thanks to JRW and especially to our Benefit Advisor and Client Manager for all the help that you gave me. Without you, I would have been in the loony bin! Thanks for throwing the life preserver my way!

Human Resources Director

While we had good experience that helped in establishing benchmarks for the renewal with BC/BS in the current year we had... an increase of only approximately 3.2% with no reduction in the benefit structure or coverage. This very modest increase, and direct cost to the Town, is not only attributable to all the Department Heads... .but the hard work of our partners at JRW as we worked through every detail.

City Manager

For all that you've done... thank you! You all jumped right in and you've been there for us the entire way. I can't thank you enough.

Human Resources Director

Our Benefit Specialist has been an absolute delight to work with, she's been so helpful.

Business Owner

Wow - this is a great document. I not only like the way it looks, it is filled with very helpful information. Some of the info that you have listed, I had forgotten about. I am very pleased with this document and am ready to move forward.

Head of HR and Employee Communication

I just wanted to let you know how pleased we are with the way [our JRW Client Manager] has handled our Health Insurance Renewal meeting. He did an excellent and professional job in communicating the changes to our employees for our Health Insurance plan of 2011. He presented the plan in a very simple and concise way and explained the process that he and your organization went through to minimize the impact to our company and to our employees. With the significant increase in our rates, that really helped our employees understand that JRW is looking out for their interest and trying to deliver to them the best and most affordable Health Care benefit possible.

Human Resources Manager

We have developed a great working relationship with [our JRW team] and we are extremely happy with the services you have provided. We look forward to a long and continued relationship with JRW! Thanks again for the excellent level of service.

HR Manager

Thank you for supplying the plan documents for the FSA yesterday. Wow, having plan documents makes all the difference in the world in answering questions. Our Benefits consultant at JRW has been able to analyze the plan documents I received yesterday for the FSA. Really glad I have her as part of my team to rely on and she could respond so quickly.

Executive Director, Human Resources

I have been quite impressed with you. We can tell you have done your homework and you have our best interest in mind and we really appreciate that!

Accounting Director