workplace 360

As you know, employee benefits typically represent about 7-10% of your payroll expense, and are not only a great tool to attract and to retain employees, but can be a very tax-effective form of compensation. The Benefits+Rewards® program goes beyond a traditional employee benefits package. It offers you all the BENEFITS of a competitive group benefits package, with pricing similar to those enjoyed by Fortune 500 companies – plus the REWARDS of comprehensive Payroll and HR services as well as an employee loyalty program.

How does it work?

We’ve created a framework to ensure long term savings that are both budget-able and sustainable for your company, to ensure that you can utilize your program to retain employees. Rather than trying to get carriers to lower their rates, we’ve developed a strategy to alter the financial funding arrangements.

So by comparison, we are able to reduce the insurer’s breakeven to only 13% on a fully guaranteed basis – thus ensuring guaranteed savings for your business year over year!

Looking at these two examples, which one would you rather use?

In a typical insured plan, the insurer’s breakeven is predetermined in the 25% to 30% range for most small to medium sized businesses – depending on plan structure and size.

Pie Chart

Benefits+Rewards® includes:

  • Life and Disability Insurance
  • Health, Vision and Dental Coverage
  • Critical Illness Insurance
  • A Health Spending Account
  • A Drug Card


  • Payroll Processing Services
  • An Employee Assistance Program (EAP)
  • Human Resource (HR) Consulting Services
  • An employee REWARDS program

Why Benefits+REWARDS®

Benefits+REWARDS® is an affordable program that enables a small business owner with as few as 10 eligible lives to:

  • Offer employees competitive or enhanced benefits at a competitive cost
  • Leverage with other firms of your size to reduce your administration expense (insurer’s profit) through an 87% breakeven
  • Get a complete, easy to administer business solution from one source
  • Save time by outsourcing time-consuming payroll and HR duties
  • Securitize often unknown soft costs by converting them to tax-deductible hard costs
  • Attract and retain top talent with a Benefits+Rewards® package

Contact us for more information or to find out how we can make your life easier by utilizing our consulting services. We will prepare a no cost analysis of your current employee benefits plan and include a comparison to the Benefits+REWARDS ® plan.
The Benefits+REWARDS® plan will be underwritten by The Equitable Life Insurance Company of Canada. Payroll, EAP and HR services will be provided by Ceridian Canada.