TMRW Sports Group

Table of Content

  1. Header
  2. Focus Areas
  3. Your NFP Team
    1. Local Presence
    2. Benefits
    3. Benefits 2
    4. Additional Resources
  4. NFP Resources
    1. In-House Compliance Team
    2. Voluntary Benefits
    3. InsurChoice
    4. Benefit Administration Technology
    5. Innovation
    6. Innovation 2
    7. Stop-Loss COE
    8. Rx Solutions
    9. Actuarial Services
    10. HR Consulting
    11. International Capabilities
  5. Consulting Services
    1. Consulting Services
    2. Reporting
    3. Data Analytics
    4. Cost Efficiency of Plan Structure and Funding
    5. Price Transparency
    6. Benchmarking
    7. Benchmark 2
    8. Mergers & Acquisition Services
    9. Compliance
    10. Well-Being
    11. Zywave
  6. Plan Design
    1. Plans Offered
    2. Plan Type Benchmarking
    3. Popularity of HSA
  7. NFP Experience
    1. Employer Experience
    2. Employee Experience
  8. Who Is NFP
    1. Who is NFP
    2. NFP Advantage
    3. NFP
  9. Discover More
    1. Discover More Continued
    2. Discover More Continued
  10. Footer

Focus Areas

Let's change reactive to proactive to empower more possibilities tomorrow.

Problem: Outdated Benefit Package


Our Solution: Let's future proof your benefit package by creating a more appropriately designed package that supports your anticipated growth. We'll combine benchmarking data with our expertise to implement medical plan design changes, increase ancillary benefits and offer additional products for a well-rounded benefit package.


Problem: Additional Support for Employees and Employer Needed


Our Solution: We'll make self-service a reality for employees by offering a mobile friendly, robust digital benefit guide, available 24/7/365, that answers FAQ's from employees. For the employer, we'll leverage technology, automation and connectivity to avoid building a costly internal team.


Problem: With Rapid Growth comes additional Compliance Requirements


Our Solution: Our dedicated compliance professionals help you steer clear of common pitfalls, avoid costly mistakes and clarify your compliance practices. Ensuring timely, compliant notice distributions is a logistical headache, especially for companies that operate across state lines. We're here to navigate for you.


Local Presence

Florida HQ

Our Florida presence give you a global broker right in your backyard!


Florida offices in Palm Beach Gardens, Orlando, Miami and Jacksonville.

Kyle Healy

SVP, Sales Enablement


Sarah Wollschleger

South Florida Market Leader

Daniella Gibson

Account Executive


Kedra Thompson

Lead Consultant


Nancy Reiss

Client Advocate

Lauren Abramson

Communications

Lauren Erxleben

Benefits Administration

John Deem

Compliance

Nick Conway

Rx Solutions

Matt Vallario

Reporting & Analytics

Sarah Beth James

Well-Being

In addition to the core team above, we can assign additional resources from our NFP resource center as necessary. These resources include:


  • Pete Panno, SVP, ASA, MAAA and Geoff Seibel, SVP, ASA, MAAA – Pete and Geoff co-lead the team of actuaries and support staff who provide actuarial services and financial guidance including consultations, analyses, and valuations related to all employee benefits programs and plans.


  • Suzanne Spradley, SVP, Chief Compliance Officer, Associate General Counsel, Legal & Compliance – Suzanne oversees the Benefits Compliance Department, which provides consulting services on all aspects of employee benefits compliance.


  • Mark J. Rieder, Head of Innovation & SVP, HR Technology and Benefits Administration – Mark serves as a leader in developing ideas for new technologies, products, services, and practices. Mark works to drive adoption and manage high-quality execution across organizational lines.


  • Deb Smolensky, SVP, Well-Being and Engagement – Deb consults with our clients to develop programs and practices that empower employees to lead healthy, productive lifestyles through innovative and highly engaging solutions. Deb is also a subject matter expert for the insurtech, fintech, and digital health verticals of Distributed Ventures


  • Heidi Cottle, SVP, Cost Containment Strategies – Heidi brings specialized insights on medical/Rx cost containment and emerging trends in traditional and non-traditional strategies. She also has expertise in risk mitigation solutions, advanced primary care, disease management, direct to provider/surgical/hospital solutions, and care access and quality enhancements. Heidi was a finalist for the 2019 World Health Congress “Innovator of the Year” award, a reflection of her engagement in digital transformation efforts designed to enhance the client experience.



  • Maria Trapenasso, SVP, Human Capital Solutions – Maria works with clients to assess workforce practices, policies, and technologies while creating solutions to enhance their organizational efficiency and effectiveness. She is an expert on a wide variety of HR-related topics, including employee relations, policies/procedures, and audits/compliance. She focuses on helping clients clarify objectives, being more strategic in their approach to HR solutions and employee engagement, and investing in the necessary HR infrastructure.

In-House Compliance Team

compliance

Navigating shifting regulations gracefully can feel impossible at times. Our experts can back you up.

Reporting and filing requirements, notification requirements, maintaining compliant offerings and navigating privacy considerations keep you busy. Keeping track of deadlines, on top of everything else, can be the last straw.


We use our in-depth industry knowledge to make things easier on you by offering:

  • In-house compliance professionals who dedicate their time to understanding the laws and regulations
  • A compliance checklist developed by former IRS and DOL attorneys with an employer size- and type-adjusted compliance audit and links to model notices/action steps
  • A web-based compliance portal with FAQs, a benefits compliance library and other resources, such as client-facing training webinars
  • Proactive updates, including our biweekly Compliance Corner newsletter on federal and state regulatory changes, podcasts, and links to model notices and upcoming deadline reminders
  • Healthcare reform modeling tools and resources featuring actuarial-backed tools for the employer mandate, plan design changes, excise taxes and more


Compliance can feel like an uphill battle. Fiduciary responsibilities aren’t getting any easier. Complying with privacy and discrimination laws isn’t always clear cut. Ensuring timely, compliant notice distributions is a logistical headache. Creating and communicating clear military and parental leave policies can be confusing, especially for companies that operate across state lines. That’s the tip of the iceberg, and the rules seem to be changing all the time.

Let our dedicated compliance professionals help you steer clear of common pitfalls, avoid costly mistakes and clarify your compliance practices.

Whether it’s a fully insured health plan, a self-insured plan or a consumer-driven plan, you’ll have solutions designed to help keep your employees – and your company – healthy and happy.

Voluntary Benefits

vb

Voluntary Benefits Center of Excellence

From inception and implementation, engagement to measurement, our Voluntary Benefits Center of Excellence removes the barriers that often discourage employers from offering a robust employee benefits program.


Our VB quoting panel efficiently provides competitive and meaningful supplemental health plan quotes, including critical illness, accident, hospital indemnity, and permanent life (with/without LTC) coverage, with additional such as identity theft, legal, and pet insurance.


Our enrollment and engagement services connect employees to offerings through communication and streamlined benefits administration and enrollment. NFP clients can choose from on-site benefit counselors, call center benefit counselors, and an open enrollment communications site with product videos, and much more. 


The VB COE manages the process between NFP teams and voluntary benefits partners, streamlining interactions between you, our experts, and benefits and engagement vendors with the intention to improve employee’s enrollment experience.

InsurChoice

InsurChoice

Simple | Personal | Experience-Based | Digital


  • InsurChoice provides a unique one-stop digital marketplace that offers your employees choice, is 100% portable, and is accessible 24/7/365.
  • Products are billed directly to the individual resulting in no administrative work - and no cost to the employer to offer!
  • Competitive pricings based on our relationships with key national partners who have a proven track record of rate and coverage stability.

Benefit Administration Technology

Innovation

For NFP, innovation is about ideation that connects problems with solutions and positively impacts people.


Our approach is collaborative, inclusive and purpose driven. While many people equate innovation solely to technology, true innovation is about creating value – by solving problems, enhancing convenience, reducing cost – in our everyday lives.


We deliver value to our clients by:

  • Reimagining the way we conduct business and interact with each other, our partners and our clients so we can be more successful together
  • Engaging with employers to better understand their challenges and pain points
  • Reinforcing our growth-focused culture by continuously improving structures for inclusively supporting our employees and their efforts?
  • Scouting and vetting new ideas and solutions in insurtech, fintech, HRtech and healthtech to keep ahead of market trends and provide thought leadership to our industry

At NFP, our solutions and expertise are matched only by our personal commitment to each client's goals and is enhanced by our investments in innovative technologies in the insurance brokerage and consulting space.


NFP Ventures complements our company goals by making investments in innovative early stage companies that align with NFP's core business and support our client’s goals.


Stop-Loss COE

SL

In an environment where benefits costs are skyrocketing, employee needs are as dynamic as they’ve ever been, and attracting and retaining talented employees is a constant struggle, voluntary benefits are a cost-effective way for employers to solve multiple benefit challenges.






Rx Solutions

rx

Skyrocketing prescription drug prices stand out as the fastest rising healthcare-related cost for employers. Gross prescription prices have increased 4-8% annually for the past five years, but through NFP Rx Solutions’ contract negotiations and clinical programs, net prescription prices for our clients have actually decreased 1-4% annually over the same period.


The NFP Rx Solutions team will assist your account team by developing ideas and recommendations to manage expenses and utilization. Rx Solutions manages prescription drug benefits costs through vendor selection, pharmacy plan audits, clinical management, plan design, and sophisticated analytics. The team of pharmacists, managed care veterans, and data analysts are experienced in designing and implementing successful strategies.


With customized analytical tools, the Rx Solutions team focuses on prescription drug plan financial stability and the quality of member care, driven by robust data analysis. Scope of services include managing all phases of a competitive Pharmacy Benefit Management (PBM) selection process, negotiating new or renewal contract terms and language, overseeing prescription plan implementation and clinical initiatives, financial and clinical analysis, and evaluation of PBM services and programs (including results against performance guarantees).

Actuarial Services

AS

NFP’s Actuarial Services Team provides you with the precision required in today’s complex benefits landscape. Services include consultations, analyses and valuations related to all health and welfare programs and plans.

Our actuarial staff is committed to assisting in implementing the financing, risk, administration, and marketing of health care arrangements. Our Actuarial Services Team provides over 75 combined years of world-class actuarial input and expertise.

Our high-quality products are your solutions for:

Incurred but not reported (IBNR) estimates and certifications

Cost projections, including rate development and adequacy certifications

Pricing of alternative health plan designs

Review and analysis of rate renewal proposals

Self-insurance feasibility and cost analysis

Analysis and determination of proper stop-loss retention levels, stop-loss rates and proposals

Calculation and certification of COBRA rate equivalents

Other post-employment benefits (OPEB) valuations, in accordance with the FASB and GASB accounting rules

Mental health parity testing

Medicare Part D creditability testing

HR Consulting

International Capabilities


Consulting Services

Reporting

We offer our clients a comprehensive reporting package with a focus on actionable outcomes and dashboard/executive reports. Performance is measured versus normative benchmarks and prior year data. Trends, risks, gaps, etc. are identified through this process, and solutions are offered when appropriate.


We have regular meetings (quarterly, annually, and as needed) to discuss claims experience, exposure changes, and general administrative matters that affect overall plan performance. The level of detail included in each of these reports varies depending on the amount of claims experience available.



Data Analytics

Cost Efficiency of Plan Structure and Funding

Price Transparency

Benchmarking

NFP's 2023 Annual Benefits Trends Report

Comprehensive, Actionable Insights

Despite ongoing economic concerns and other cost-prohibitive obstacles, the need for delivering high-quality, personalized benefit offerings has never been greater. The NFP US Benefits Trend Report is designed to provide insights that help employers better align affordable benefits with employee wants and needs to ensure overall organizational success while fostering higher rates of satisfaction, productivity, well-being, and engagement.

Mergers & Acquisition Services

Compliance



Well-Being


Zywave

HR Hotline


Client Cloud Portal

Plans Offered

Sample Benchmarking Report

Sample Benchmarking Report

Medical: PPO option for all employees, HMO for Florida residents


Dental: No current pain points, continue to monitor benchmarking


Vision: No current pain points, continue to monitor benchmarking


Ancillary: Increase life insurance amounts, add LTD


Voluntary Benefits: Add for Open Enrollment



Plan Type Benchmarking

Employers sized 50-249 in the Entertainment and Recreation Industry


Employer Experience





.


Employee Experience

LP Screenshots

For your employees their mobile friendly, digital benefit guide is a concise and informative resource that can be used both at Open Enrollment and throughout the year.


It can also be utilized by new hires or prospective hires to educate on the benefits available through TMRW to support your anticipated growth.


Digital Benefit Guides include:

  • Access to full benefit summaries and other carrier resources
  • Short, educational videos on benefit FAQ's (i.e. How to Read an EOB, HSA vs. FSA, etc.)
  • Carrier links to easily find an in-network provider, submit a claim and access valuable member resources

Who is NFP

NFP is a leading property and casualty broker, benefits consultant, wealth manager and retirement plan advisor that provides solutions enabling client success globally through employee expertise, investments in innovative technologies, and enduring relationships with highly rated insurers, vendors and financial institutions.  




Our Purpose

Our passion is building strong personal relationships based on trust, transparency and active communication so we can create the best possible work environment for our employees and deliver the best possible solutions to our clients.


Our Mission

To empower organizations and people to overcome complex challenges and uncertainties with tailored solutions driven by active listening, hands-on guidance, specialized expertise and human connections.

Greet every day with confidence.


Complex risks will always be part of life, and managing them well requires specialized expertise. Expertise that understands what you need to protect what you’ve built. Let NFP take the worry out of protecting it all and help you build for the future.