Employee Benefits

Employee Benefits

We simplify complex benefits administration

Attracting and retaining quality employees is a difficult and expensive task for any business. Companies must offer employee benefit packages that meet the needs of a diverse workforce while controlling costs. Our employee benefits department specializes in creating desirable benefit plans for all types and sizes of businesses—from small companies with a handful of employees to large organizations with hundreds of employees. Our dedicated team has the skill and expertise to navigate the complexities of benefits administration and keep you up to date as benefits evolve. Most of all, we offer innovative solutions to help mitigate escalating health care costs and create educated and healthier employees.

Our Approach

Our Approach

It begins with a conversation. We consult and strategize to create benefit plans. We talk with you and your employees to determine your specific needs and then provide the education and tools necessary to design, implement, and communicate successful group benefit programs of all types.

We also specialize in creative funding solutions that reduce health care costs and give you the best advantage in providing the coverage that you and your team require. Our ultimate goal is to provide you and your employees with cost-effective benefit plans that will work best for your organization, help you attract and retain talent, and support wellness and productivity.



Group Benefits

Employee Welfare Benefit Plan

Health Insurance

An extensive group health insurance program shows your employees that their health and well-being are a priority to the success of your business. We specialize in creating a variety of health plan options specifically designed for your company.

As your insurance partner, we consult with you to get to know your company culture and recommend how to implement the best risk solutions to meet your needs.

Our strong business relationships with major insurance carriers gives us an advantage in negotiating the best coverage available.

Dental and Vision Insurance

Primary medical health benefits coverage does not extend to dental and vision care. Providing your employees dental and vision coverage is an increasingly important part of an overall employee benefit plan. We work with you to design dental and vision coverage that is right for your business and your employees.

Life and Disability Insurance

Life and disability insurance provides employees with peace of mind in the event of an accident or death. We can design plans at a variety of coverage levels and create special contracts for specific employee groups.


Specialty Programs

Company-Specific Benefits

Specialty Programs

Each company is unique and requires a distinct set of employee benefits. We are experts in developing a number of speciality programs for your overall benefits package, including:

Captives: Many employers cut out insurance carriers altogether and fund their own group employee benefits by creating their own captive insurance company as a way of controlling costs. We can help you evaluate if a captive is appropriate for your business and help you implement it as part of your benefits.

Private Exchanges: A private exchange operates under a defined contribution model where employees are given a fixed dollar amount to purchase their own health coverage. We can provide you with information on available options for implementing a private exchange and determine if it is right for your business.

Wellness Programs: Keeping your employees healthy is also a way of controlling health costs. Instituting a wellness program is an effective way of improving employee health. We can help you build a program that meets your employees’ needs and interest and provide resources for managing and communicating the program goals.


Executive Benefits

Unique Benefits for Executives

Executive Benefits

An organization needs capable leaders in place to succeed. Their needs exceed the level of group benefit plans and require a custom benefit strategy. To attract and retain the best talent, compensation packages must be competitive with, or superior to that of competitors, and it is not just about salary. Additional selective coverage may provide incentive to key executives.

Life Insurance

Significant additional life insurance can be provided to key employees using a tax favored bonus plan, for both term and permanent protection. These plans may also be used for supplemental retirement planning.

Disability Insurance

Group Long Term disability plans generally do not provide the same level of benefit to the highly compensated as they do lower paid employees. Executive supplemental plans can be used to correct this discrepancy.

Long Term Care

With as few as three executives, plans can be designed for key executives providing this protection on a tax favored, discounted basis.

Executive Liability

Businesses also must mitigate the effect of potential lawsuits and claims with the aid of executive liability insurance coverage.

Executive liability generally protects:

Directors and Officers
Employment Practice
Fiduciary Liability




Efficient Online Benefits Management

Using technology to manage your employee benefits program saves time and dramatically improves the process for both you and your employees. We can provide you with all the necessary resources and implementation for an online human resource integration system (HRIS) that collects all your benefits information in one place and allows for easy access and use.

An online system allows employees to compare benefit plan features and find answers to questions, as well as enrollment options, at their convenience. An online benefits administration system also can integrate payroll, time, and attendance information so all data can be accessed in one location.

An online system is one of the best ways to integrate and manage your group benefits and facilitate enrollment with your insurance carriers.

Please contact us to discuss opportunities in any of these areas

News & Stories

Resources to keep you up to date on the latest employee benefit and risk management information.


45 Constitution Avenue
Concord, NH 03302
(800) 238-3840

Bennington, VT

302 Main Street
Bennington, VT 05201
(800) 238-3840

Portland, ME

4 Milk Street
Portland, ME 04101
(800) 238-3840

West Lebanon, NH

377 N Main St,
West Lebanon NH 03784
(800) 238-3840
The Rowley Agency, Inc. is a BBB Accredited Insurance Company in Concord, NH
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