Put simply, our mission is to help you achieve yours. Your employees are your biggest asset, and MCG can help you maximize your employees' potential by creating and managing competitive benefits programs that achieve the best possible return on that investment.
We know your success depends on your bottom line.
One of MCG’s greatest strengths – and the primary driver behind our clients realizing average annual health care cost increases of 5.0% since 2002, compared with the national average of 7.6% – is our risk management ability.
We are actuarial consultants, and thus work differently than a brokerage house. Unlike a broker, we do not represent or sell specific products on a commission basis. MCG works on your behalf as an independent consultant. We are solution-oriented – not product-oriented. This means that we are unlimited in the products and services we can offer your company, and we can create the best "tailor fit" possible.
As actuarial consultants, we begin with a cost control study to analyze your employee demographics as well as variables both within and outside your company that affects its insurance and benefits programs. From this, we are able to determine the feasibility of various benefits programs, provide strong descriptions and pricing structures for the packages you choose, and determine your systems and administrations needs.
Based on these needs, we assemble a team to achieve your benefits objectives from the top down, including providing Effective Benefits Communication tools to educate and continually update your employees about your company's benefits and how they are administered.
Our industry experience shows that our services provide the best rate of return for companies with 150 or more employees, although smaller companies can also benefit from our more targeted services. (See Controlling Rising Health Care Costs) As committed as your organization is to its mission, we are to ours: to provide you with the best possible employee benefits packages that meet your organization’s needs and goals.
Our Core Values
Quality - Expect unwavering quality in our services. We strive to understand your needs and deliver a complete, accurate solution on time.
Integrity – Rely on uncompromised integrity from all MCG Team Members in our business with clients and vendors. We assume ownership for getting the job done with honesty and accountability.
Leadership – Depend on daily leadership to partner with your team. We take pride in our abilities to problem solve, make decisions, implement new ideas, and anticipate the next question.
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Although the healthcare coverage debate rages on in our nation’s capital, the Affordable Care Act (ACA) is still the law of the land. It is important that employers remain vigilant in their ACA compliance efforts. In particular, the “affordability standard” is a component of ACA that has been frequently overlooked. Employers should be reassessing their employee contribution structure annually to ensure compliance and avoid costly penalties. In order to determine affordability, the IRS sets an “affordability percentage” annually. The affordability percentage is applied to the employee’s…
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As we ease into our summertime schedules, Open Enrollment is lurking around the corner (for those of you with calendar-year plans). Creating benefits communications that are engaging and helpful to employees is not difficult, but does take some planning and coordination. MCG can assist with the planning process as well as with communications strategy and creation. Whether you hire a consultant such as MCG or do your benefits communications in-house, we’d like to share a recent article by Willis Towers Watson that summarizes common errors…
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