Gardner & White
Employee Benefit Plan Services for Healthcare Employers
When you take care of your people, you take care of your business. 
In This Issue
Healthcare Reform Survey Results
A Step Towards Retirement Plan Fee Transparency
Economic Indicators Dashboard
8 Ways to Align Physicians With a Hospital's Financial Goals
8 Steps for a Successful Renovation or Replacement Project
Healthcare Reform Resource Center
Government Seal
With provisions taking effect from now until 2018, G&W will be your health care reform resource every step of the way.
Take Contol of Health Plan  Costs
Complaining about the rising cost of your company's medical insurance may seem a little bit like complaining about the weather -- everyone talks about it but nobody does anything about it!
Perhaps until now.
Retirement Plan Fiduciary Toolkit 
The Department of Labor requires Plan Sponsors to fulfill Fiduciary duties.  G&W has developed a set of tools to help protect you from risk and build a successful retirement plan. 
Benchmark the costs and services of your plan with industry averages and leading providers. 
Independent resource for conducting mutual fund analysis.     
Financial Soundings 
Comprehensive participant retirement advice program that provides both savings and investment recommendations.
NewsletterAugust, 2010
Healthcare Reform:  What Employers are Considering Survey Results
With health care reform legislation now law, employers are attempting to assess the impact and determine how they will respond. A new survey published by the International Foundation of Employee Benefit Plans, examines how more than 1,000 employers, representing over seven million lives, are reacting to the legislation and the strategies they are implementing within their organizations.
  • 75%, identify extending coverage to adult children until age 26 as the major reform requirement impacting plan costs
  • 87% of employers agree that their organizations will continue to offer health care benefits because they are critical to employee recruitment, retention and remaining competitive.
  • One in five employers (21%) is planning to add or increase emphasis on high-deductible health plans in the next 12 months.
  • 67% of employers agree that their organizations will take advantage of the new legal provision that will offer increased levels of financial incentives available to employees who participate in employer-provided wellness programs.
A Step Towards Retirement Plan Fee Transparency
Most savers are now aware of the toll the financial crisis has taken on the balance of their retirement plans - but the bite taken by fees is much less visible. A new regulation issued July 16th by the Department of Labor takes a step toward shedding more light on pension plan fees by requiring plan providers to disclose more information to the employers that sponsor these plans. Further regulation on disclosing fees to individuals is expected this fall. 
Economic Indicators Dashboard
Market indicators - Corporate debt remains in its typical range and interest rates remain just inside the high end of typical.  Overall, the U.S. equity markets fell in June, with the Russell 3000 Index losing -5.8% for the month.
Economic indicators - These backward-looking indicators are all within their typical ranges. The job market growth rate fell with a lower NF PAY change. Core inflation remains low. The GDP number for 1Q10 was revised to 2.7%, continuing the trend of positive GDP growth.  Mortgage delinquencies continue to rise. For the first quarter of 2010, delinquencies rose to 11.36%.
8 Ways to Align Physicians With a Hospital's Financial Goals
Physicians on staff can throw their hospital into the red or the black entirely by the way they handle clinical orders, physician preference items and other issues, says Nick Sears, MD, CMO of MedAssets in Alpharetta, Ga.  Here Dr. Sears offers some pointers:
Critical Access Hospitals:  8 Steps for a Successful Renovation  or Replacement Project
As many of you know too well, rural hospital and long-term care leaders are often faced with outdated, inefficient facilities that were not designed to accommodate advanced diagnostic technology and the modern array of outpatient services.  United Advisors Healthcare offers the expertise needed to address these issues.  The following White Paper is prepared by a UAH resource and offers great insight.  
Source: Red Capital Group
Gardner & White Benefit Consultants 
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