Group Benefits & 401K

Advocacy Services

An enhanced human resources solution helps companies like yours navigate complicated employee health and benefits issues. Advocacy services help to maximize your company’s productivity and employee benefits value.

  • High levels of employee and employer satisfaction
  • Complete end-to-end issue resolution
  • Robust reporting capabilities, including details regarding:
    • Issue volume
    • Resolution time
    • Intervention taken
    • Root cause analysis
    • Confidentiality of information
    • Integration with benefits plans and other providers
    • Strong relationships with major health plans, including dedicated customer service support
    • An extensive quality assurance program
    • Minimal implementation time
    • Passionate, highly trained advocates with extensive health care, claims, and customer service experience

Health Care Reform

The Patient Protection and Affordable Care Act (ACA) represents the most significant health care reform legislation in the history of the United States. Employer-sponsored health plans are facing dramatic changes and overwhelming challenges. Interpreting and implementing these regulations creates a new set of risks with substantial compliance penalties.

IOA provides dedicated resources to help you understand the ACA and how it affects your organization. Our commitment goes beyond insurance. We offer a variety of services and resources essential to creating strategic business solutions within the framework of ACA regulations.

ACA Services

  • Health care reform compliance audit
  • Plan design actuarial value
  • Pay or play modeling
  • Variable employee measurement period consultation
  • Full-time employee determination
  • Workforce review and restructuring recommendations
  • Control group analysis
  • Determination of grandfathered plan status
  • Compliance notifications
  • Plan document review


IOA Health Care Reform Help Desk

Phone: 855-PPACA4U or 855-772-2248

Corporate HR Services

IOA corporate human resources services offers comprehensive, hands-on, and cost-effective human resource consulting to businesses.

HR Help Desk Services

Your link to a trained human resource professional for practical management advice and guidance.

  • Unlimited calls or emails for any HR question or issue.
  • Practical management advice and coaching.
  • Basic research regarding employment laws or HR policies.
  • Monthly HR newsletters from Commerce Clearing House.
  • Sample HR policies.

A La Carte Services

The following a la carte services also are available on a fee-for-service basis:


IOA corporate human resource services offers comprehensive, hands-on, and cost-effective human resource consulting to businesses.

  • Unlimited calls or emails for any HR question or issue
  • Practical management advice and coaching
  • Basic research regarding employment laws and HR policies
  • Monthly HR newsletters from Commerce Clearing House
  • Sample HR plicies
  • Salary administration programs
  • Employee handbooks
  • Job descriptions
  • Performance review systems
  • Pre-employment behavioral assessments (sales, employees, executives)
  • Employee opinion surveys
  • Management development training programs

Resources and Tools

Our Resources

Health care cost management tools and underwriting expertise help our clients make educated financial decisions regarding their health and welfare plans. IOA clients are supported by detailed financial and utilization reporting throughout the plan year that helps identify the key cost drivers and trends. These reports are presented to our clients and are utilized in the renewal planning process. IOA has a team of underwriters that assist clients in controlling their health care costs and to assess the financial impact of changes in benefit plan design, administration, and funding.

Benefit consultants will work with your organization to provide strategic guidance and hands-on assistance across all areas of employee benefits including workplace practices, benefit administration, strategic planning and alignment, financial modeling, training, and overall management. Our relationship begins with obtaining a clear understanding of your needs and objectives, and our scope of services is tailored to fulfill those objectives. Your benefit consultant and dedicated client management team is responsible for ensuring that all of your benefit needs have been met.

Employee communication and administration includes a full range of branded communication solutions from print-based products, such as brochures and handbooks, to web-based communication, enrollment, and administration of products. Your communication portfolio is designed to strengthen your employees’ understanding of your benefit plan offerings and to educate your employees and their dependents on consumerism, industry trends, and plan design updates.

Compliance partners assist clients with the laws and regulations, effective employee benefits, and employee issues to support program design to aid in the proper administration of your plans. Compliance partners offer a full range of legal and compliance solutions and venues to communicate with clients, including 5500 preparation, SPD and wrap documents, conference calls, seminars, publications, and compliance audits.

Retirement plan consultants are uniquely positioned to provide unbiased evaluation of defined benefits and contribution programs since we do not offer proprietary investment management or administration trustee or actuarial services. Thus, we are able to deliver cutting-edge products not offered by other intermediaries.

COBRA administration partners are available to assist with COBRA and HIPAA administration and support and ensure regulatory compliance.

Voluntary and specialty benefit expertise will assist in the development and administration of a comprehensive and competitive program that will complement your group plan offering and provide service support and ease of product administration.

MyWave provides a graphically tailored internet-based solution that allows employers to communicate all aspects of benefits and HR information to their employees. Combining the BENEnews Communicator with MyWave is the perfect combination for providing comprehensive benefits access to all of your employees.

POA’s workforce management suite, composed of time and labor management, human resources, and payroll, makes it possible for you to accurately manage all aspects of your workforce through one web-based application. From recruitment to off-boarding, the suite uses intuitive employee self-service  (ESS) and manager self-service (MSS) features that empower employees. A robust reporting engine lets managers customize reports, address employee issues directly, and dynamically view and export data in a variety of formats. By automating many of the manual, time-consuming processes associated with managing your workforce, our workforce management suite helps you improve operational processes and grow your business while you ease compliance and save time and money.

Enrollment partners assist IOA clients with their employee benefit enrollment needs when alternative enrollment venues are needed. On-site support and individual, group, telephonic, and web-based enrollment solutions are available to ensure that all your enrollment needs are met.

Benefits legislative and wellness briefs are monthly newsletters published by IOA that provide features on current benefits and relevant compliance issues. These newsletters are designed to keep you informed about industry news and provide a venue to educate your benefits team and your employees.

Wellness expertise helps our clients plan and implement strategic wellness initiatives that can help deliver a positive return on investment and empower their workforces to achieve optimal health. Each customer has a different workforce, and therefore, your wellness opportunities are unique. We will identify wellness opportunities that fit your industry and employee demographics so that we can meet each organization’s individual needs and desired outcomes. Our wellness consulting services are designed to assist client companies in all stages of wellness program development from beginning to end.

Employers Association Forum, Inc. (EAF) is a nonprofit corporate membership-based association dedicated to serving the business and HR community with world-class HR tools; hotlines and legal compliance; news and trends; surveys, economic data, benefits and insurance; training; and leadership and organizational development.

Retirement Plan Services

Creating Ongoing Successful Retirement Plan Experiences for Employers and Employees

Asset Advisors of America is a group of dedicated specialists focused solely on delivering retirement plan consulting services. Since inception, we have become a premier independent 401(k) consulting firm, serving over 70 clients of all sizes and industries.

From investment analysis and due diligence to employee communications and vendor fee benchmarking, our process-driven solutions help protect employers from corporate and personal financial liability, while increasing investment opportunities and improving overall plan value.

Maximize Plan Efficiency

Every plan sponsor has unique goals and objectives. As your dedicated consultant, Asset Advisors of America will create an ongoing service plan specific to your needs.

The service cycle begins with a thorough review of your plan to ensure total plan costs are relevant to the services being received. On an ongoing basis, your relationship manager will examine your plan design with ideas to improve participation and operational efficiency.


Protect Against Loss

Asset Advisors of America helps navigate fiduciary responsibility through robust, systematic, quantitative, and qualitative investment analysis involving over 150 pages of detailed reports utilizing 15-plus industry standard analytical measurements.

Our due diligence process goes far beyond the Morningstar 5-star ratings and instead focuses on a cyclical approach of fund selection, monitoring, and ongoing documentation and review.

  • Investment Policy Statement
  • Fiduciary Investment Review
  • Scorecard fund ranking
  • Quarterly Market Summary
  • 404(a) / 404(c) guidance

Increase Participation and Diversification

Through Asset Advisors of America’s comprehensive communication services, you can increase participation, satisfaction, and understanding of asset allocation and risk tolerance. This also helps plan sponsors to meet 404(c) requirements to provide adequate education about investing in the company’s 401(k) plan.

  • Custom investment advice
  • On-site enrollment meetings
  • Investment education meetings
  • Monthly client newsletters
  • Sample employee memos
  • Bilingual representatives on staff

“Under Promise, Over Deliver”

Upon being hired, Asset Advisors of America will provide a written promise detailing the specific services provided, and the corresponding frequency. This way clients can periodically compare the written “promise” with the actual “delivery” of those services.

We have developed meaningful relationships with a wide variety of clientele over the years and provided dedicated services to plan sponsors nationwide. We are proud of our commitment to excellence and will work hard to develop a strong and lasting partnership.

Wellness Strategy

  • 74% of American health care costs are due to preventable lifestyle-related behaviors.
  • When employers take measures to encourage employee wellness, they minimize the likelihood of future health concerns and, in doing so, reduce long-term health care costs.
  • Increase employee productivity and morale.
  • Personal wellness profiles.
  • Exercise, smoking cessation, and stress management.

Let IOA customize a wellness program for your company.


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