Employee Benefits


Client Centered

We consult, design, implement, and review employer-provided benefits packages. Our team works to help you and your company answer questions such as:

  • What benefits should we offer to be competitive in the marketplace?
  • What benefits do we need to provide to attract and retain employees?
  • Can we design different plans for different classes of employees?
  • How does our benefit package compete with others in our marketplace?
  • Are our plan offerings priced competitively?
  • Do our plan representatives provide the services we need to run programs effective and efficiently?
Client Centered

By collaborating with your benefits department or becoming the department, we are here to help!

Poorly designed, executed or administrated plan can become a source of tension and conflict.  Our team can help you and yours work through problems like these or better yet, alleviate them before they happen.  While no plans are perfect our experience and team are here to help you keep your benefit plans as just that; a benefit to your company and its team of employees.


  • Qualified Retirement Plans (Defined Benefit and Defined Contribution plans) 
    • 401(k) Plans
    • Simple IRA
    • Profit Sharing Plans
    • Providing design, administration, funding, education, and compliance consultation & services
  • Group Life, Disability and Accident Insurance 
  • NYS Statuary Disability (including PFL benefits)
  • Group Health, Dental and Vision Insurance
  • Flexible Benefit Plans
  • Private Exchanges
  • Custom designed Carve Out Plans
  • Executive Benefits
  • Ancillary products
    • Cancer & specific disease
    • Pet insurance
    • Legal and ID theft
    • Voluntary supplemental plan

*Some insurance is offered through a variety of quality insurance companies that are not affiliated with JW Cole.