{"id":1031,"date":"2023-04-20T12:43:03","date_gmt":"2023-04-20T19:43:03","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=1031"},"modified":"2023-08-28T10:09:24","modified_gmt":"2023-08-28T17:09:24","slug":"a-proven-strategy-for-containing-employee-benefit-plan-costs","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2023\/04\/20\/a-proven-strategy-for-containing-employee-benefit-plan-costs\/","title":{"rendered":"A Proven Strategy for Containing Employee Benefit Plan Costs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1031\" class=\"elementor elementor-1031\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6447b7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6447b7d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54882cc\" data-id=\"54882cc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-275cc15 elementor-widget elementor-widget-heading\" data-id=\"275cc15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">A Proven Strategy for Containing Employee Benefit Plan Costs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e869aad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e869aad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cc82c60\" data-id=\"cc82c60\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7612d34 elementor-widget elementor-widget-text-editor\" data-id=\"7612d34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>With elevated inflation causing everyone to take a closer look at their expenses, we wanted to introduce (and remind those who are already members of the Immix Group Client Community!) the many advantages of our broker-managed pools. <\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0f24559 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f24559\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c921154\" data-id=\"c921154\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-748bcf7 elementor-toc--content-ellipsis elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"748bcf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;collapse_subitems&quot;:&quot;yes&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h6 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__748bcf7\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__748bcf7\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__748bcf7\" class=\"elementor-toc__body elementor-toc__list-items--collapsible\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-664396b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"664396b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60a0e84\" data-id=\"60a0e84\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0a30b8 elementor-widget elementor-widget-text-editor\" data-id=\"f0a30b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Back in May 2020, we wrote about <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2020\/05\/12\/the-value-of-employee-benefits-inside-a-broker-managed-benefits-pool-especially-during-times-of-uncertainty\/\">the value of benefits inside a broker managed pool<\/a>, especially during times of uncertainty. With <a href=\"8%20Reasons%20for%20Increases%20to%20your%20Employee%20Benefit%20Plan%20Premiums%20%20%20%20-%20Latest%20News%20from%20Immix%20Group\">inflation hitting everything<\/a>, the markets so volatile, interest rates and business expenses increasing, benefits cost containment is more crucial than ever.<\/p><p>Our stance then- and now- is that belonging to a broker-managed pricing pool is an extremely beneficial strategy for the majority of our clients at the Immix Group.<\/p><p>Our stance then- and now- is that belonging to a broker-managed pricing pool is an extremely beneficial strategy for the majority of our clients at the Immix Group.<\/p><p>What does this mean? It means for most of our client\u2019s benefit programs, the Immix Group sets the pricing at renewal, and often at the onset of the plan as well. The rates are based on predetermined administrative charges and other factors that are more competitive than a group could obtain outside of the unique strategy we have created. \u00a0<\/p><p>This stands in contrast to groups insured on a stand-alone basis, where pricing is negotiated back and forth on individual renewals with the insurance provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f77678a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f77678a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7a8014\" data-id=\"f7a8014\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd85a2d elementor-widget elementor-widget-text-editor\" data-id=\"fd85a2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><h2>Broker-Managed Pools through the Immix Group: Proven Results<\/h2><p>Those in the Immix Group Client Community have greatly benefited from our strategy of broker-managed pricing pools. As we wrote about <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2022\/12\/02\/8-reasons-for-increases-to-your-employee-benefit-plan-premiums\/\">previously<\/a>, a review of our block of business showed the following results for our 2022 renewal rates:<\/p><ul><li>43% of our clients saw a reduction to their Extended Health Care rates<\/li><li>30% of our clients saw a reduction to the Dental Care rates<\/li><li>75% of our clients saw their pooled rates held without change<\/li><\/ul><p>Despite the high inflation we saw in 2022, those within our broker-managed pools fared very well. This has been the case for many years; one of our pools now has an 18-year track record of providing cost containment to its member groups.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-83aa03c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"83aa03c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d8a2b94\" data-id=\"d8a2b94\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96e7fce elementor-widget elementor-widget-image\" data-id=\"96e7fce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"485\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2023\/04\/pool-1024x776.webp\" class=\"attachment-large size-large wp-image-1037\" alt=\"Immix Pool makes sense\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2023\/04\/pool-1024x776.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2023\/04\/pool-300x227.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2023\/04\/pool-768x582.webp 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2023\/04\/pool-jpg.webp 1176w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-80519b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80519b6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d73fc7\" data-id=\"2d73fc7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2f05ae elementor-widget elementor-widget-text-editor\" data-id=\"c2f05ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The 5 Key Advantages of the Immix Pool<\/h2><p>The main advantages of our strategy? We\u2019ve categorized the key benefits of our broker-managed pool strategy into 5 distinct areas:<\/p><ul><li>Transparency- when it comes to the claims experience and rate calculations for your group.<\/li><li>Diversity \u2013 be grouped with an entire range of industries to spread the risk.<\/li><li>Buying Power- leverage economies of scale when it comes to plan design opportunities.<\/li><li>Service- we handle almost everything in-house, without TPA charges.<\/li><li>Reduced Administrative Charges- access to the low admin charges usually reserved for just the largest groups, rate guarantees, and customized pricing plans.<\/li><\/ul><p>\u00a0<\/p><h2>Transparency is a Key Value at Immix Group<\/h2><p>One of the biggest misconceptions of a \u2018pool\u2019 is that you will not be able to see the details of your groups claims, and that your rate adjustments will be based on \u2018the block\u2019 perhaps leaving you in an unfair position. This is not the case with how our pools are designed; each group is experience-rated, with claims details clearly shown. In those high-claim years, you have downside protection and flexibility.<\/p><p>\u00a0<\/p><h2>Diversity of Member Groups Means Greater Risk Management<\/h2><p>We want to include groups of all sorts of backgrounds; construction, tech, professional services, retail and hospitality. This proved to be a great strategy during the pandemic where the strength of our pools allowed us to protect and continue coverage for those experiencing extreme disruptions to their businesses, employees and cashflow.<\/p><p>\u00a0<\/p><h2>Power to Access Competitive Coverage for Small Groups<\/h2><p>You may think you\u2019re not a big enough group for disability, certain dental benefits or certain paramedical coverage levels. Inside the Immix Group pools, we have additional buying power when it comes to providing extremely competitive benefits to even very small groups.<\/p><p>\u00a0<\/p><h2>Service by the Immix Group: An Extension of your HR Team<\/h2><p>The Immix Group understands that for many smaller businesses, you do not have a dedicated HR team. For businesses that do, HR often prefers to focus on more essential matters than daily benefits management; our service model means we are able to handle the majority of the daily admin for your program, at no additional cost, and to provide our expertise when challenging employee situations arise.<\/p><p>\u00a0<\/p><h2>Reduced Administrative Charges<\/h2><p>Because the Immix Group has taken on the bulk of daily servicing and removed the requirement for the insurance carrier to create renewal documents, our clients receive much lower administrative charges than they could obtain as a stand-alone group. This translates into the ability to spend more in claims, compared to the premiums you\u2019ve paid, than under a typical stand-alone plan. This means more of your benefits dollars go straight to paying claims for members, NOT to the insurance provider for expenses or profit. Think of it as wholesale pricing, but with the same coverage options of a custom plan, combined with the enhanced service experience the Immix Group strives to achieve on a daily basis.<\/p><p><strong>As we\u2019ve written, <\/strong><a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2022\/09\/07\/one-size-fits-all-not-when-it-comes-to-employee-benefits\/\"><strong>one size does not fit all!<\/strong><\/a><\/p><p>A common question we get is about plan design: rest assured; you can customize your plan to meet the needs of your team. Unlike many other pools, the Immix Group does not require you to select from pre-determined plans. Immix will guide you in choosing the right plan for your team; we can survey and benchmark and determine the best fit within your budget.<\/p><p>\u00a0<\/p><h2>How can belonging to the Immix Group\u2019s broker-managed pool help a business to control costs?<\/h2><p>Lastly, we wanted to share a story that illustrate how we have been able to assist clients within our broker-managed pools.<\/p><p>A long-time manufacturing client was hit with a series of very unexpected events that caused a significant downturn to their business. With high employee turnover occurring in connection with this, the business found itself in a terrible financial situation. Their employee benefits claims were much higher than in previous years (tied to the turnover, but also the coincidental timing of many new high cost claims), and we calculated an increase to their costs of around 35%. This cost increase was simply not feasible for the business to take on. But as a family-owned multi-generation business, the last thing they wanted to do was significantly reduce the coverage or cancel their benefits.<\/p><p>Because they were within the Immix Group\u2019s pool where we \u2018hold the pen\u2019 when it comes to their rates, we were able to hold the costs for a year, and implement a 3-year plan to adjust the premiums to the levels required to properly fund the claims. This gave them time to get their financial footing, and to also address some of the causes of the high claims, with our assistance.<\/p><p>Ten years later, the client is still insured within our Immix Group pricing pool; they have grown and are thriving. As they achieved stability, so did their benefits costs. Over ten years, they have never had a renewal rate increase over 5%.<\/p><p>While this is one example, similar situations occur every year, where we are able to assist businesses to control this area of their balance sheet.<\/p><p><em>Still have questions? Interested in learning more? The benefits advisors at the Immix Group would love to help you optimize your benefits program. We love to hear from you! <\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-480376a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"480376a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1490cf4\" data-id=\"1490cf4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7180f7 elementor-blockquote--skin-boxed elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"b7180f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\u201cWhen it comes to managing employee benefit program costs, we learned a long time ago that the key to long-term cost control is to leverage the buying power of a large and diverse group of businesses. Working with- not against- our chosen insurance providers, we are able to provide sustainable, cost-effective employee benefit solutions to businesses both large and small. We created our first broker-managed pool nearly 20 years ago, and over this time the advantages for those in our Client Community have grown and grown.\u201d  \t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Anthony Ciccone<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%E2%80%9CWhen+it+comes+to+managing+employee+benefit+program+costs%2C+we+learned+a+long+time+ago+that+the+key+to+long-term+cost+control+is+to+leverage+the+buying+power+of+a+large+and+diverse+group+of+businesses.+Working+with-+not+against-+our+chosen+insurance+providers%2C+we+are+able+to+provide+sustainable%2C+cost-effective+employee+benefit+solutions+to+businesses+both+large+and+small.+We+created+our+first+broker-managed+pool+nearly+20+years+ago%2C+and+over+this+time+the+advantages+for+those+in+our+Client+Community+have+grown+and+grown.%E2%80%9D+++%E2%80%94+Anthony+Ciccone&amp;url=https%3A%2F%2Fimmixgroup.ca%2Fblog%2Fblog%2Fcategory%2Femployee-benefits-plans%2F\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-454e394b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"454e394b\" data-element_type=\"section\" data-e-type=\"section\" id=\"xs_cta_style_7\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-64d29432\" data-id=\"64d29432\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3680f31b elementor-widget elementor-widget-elementskit-heading\" data-id=\"3680f31b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_left   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Key Takeaways<\/h2><div class=\"ekit_heading_separetor_wraper ekit_heading_elementskit-border-divider ekit-dotted\"><div class=\"elementskit-border-divider ekit-dotted\"><\/div><\/div>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>The Immix Group has longstanding broker-managed pools that provide lower employee benefits administration costs to small and medium-sized businesses.<\/p>\n<p>Belonging to an Immix Group pool means full transparency as to your group benefits claims experience.<\/p>\n<p>You can customize your plan design, while still benefiting from the advantages of belonging to a pool.<\/p>\n<p>Lower administrative costs mean more of your employee benefits premiums go towards paying claims for your employees.<\/p>\n<p>The Immix Group employee benefits model provides sustainable, long-term cost control, rather than the short-term reduced premiums that are available when switching insurers.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-277aaea7\" data-id=\"277aaea7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ba58303 elementor-align-right elementor-align--mobilecenter elementor-widget elementor-widget-elementskit-button\" data-id=\"6ba58303\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.immixgroup.ca\/immixpool.php\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tImmix Pool<i class=\"fasicon icon-right-arrow\"><\/i>\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79e06099 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79e06099\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-203b49c4\" data-id=\"203b49c4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f157495 elementor-widget elementor-widget-elementskit-heading\" data-id=\"4f157495\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h2 class=\"ekit-heading--title elementskit-section-title \">Frequently<br> Asked Questions<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6656a251 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"6656a251\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69de6c55044ad\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-6656a251\">\n                        <a href=\"#collapse-14514dc69de6c55044ad\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-14514dc69de6c55044ad\" aria-expanded=\"true\" aria-controls=\"Collapse-14514dc69de6c55044ad\">\n                            \n                            <span class=\"ekit-accordion-title\">How does a pool contain my employee benefits plan costs? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-14514dc69de6c55044ad\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-6656a251\" data-parent=\"#accordion-69de6c55044ad\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>For many groups (typically under 100 lives, but sometimes even higher!) the administrative costs for an insurer to run your program on a stand-alone basis are higher than if your program is within a pool, where admin costs are negotiated and applied on an aggregate basis.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-6656a251\">\n                        <a href=\"#collapse-35c8fe469de6c55044ad\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-35c8fe469de6c55044ad\" aria-expanded=\"false\" aria-controls=\"Collapse-35c8fe469de6c55044ad\">\n                            \n                            <span class=\"ekit-accordion-title\">What do you mean by broker-managed pool? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-35c8fe469de6c55044ad\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-6656a251\" data-parent=\"#accordion-69de6c55044ad\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>This means that the pricing for the groups within the pool is set by the Immix Group, rather than by the insurance carrier who underwrites the benefits and pays the claims.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-6656a251\">\n                        <a href=\"#collapse-c29457c69de6c55044ad\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c29457c69de6c55044ad\" aria-expanded=\"false\" aria-controls=\"Collapse-c29457c69de6c55044ad\">\n                            \n                            <span class=\"ekit-accordion-title\">Does belonging to a pool mean choosing a pre-determined plan design?  <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c29457c69de6c55044ad\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-6656a251\" data-parent=\"#accordion-69de6c55044ad\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No, you can completely customize your plan coverage to match the requirements of your business, within the parameters offered through the insurance carrier. \u00a0\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-6656a251\">\n                        <a href=\"#collapse-f0f54c169de6c55044ad\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f0f54c169de6c55044ad\" aria-expanded=\"false\" aria-controls=\"Collapse-f0f54c169de6c55044ad\">\n                            \n                            <span class=\"ekit-accordion-title\">Can larger groups benefit from belonging to a broker-managed pool?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f0f54c169de6c55044ad\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-6656a251\" data-parent=\"#accordion-69de6c55044ad\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Yes, savings are typically available even for large groups, as administrative costs are often lower than stand-alone pricing. As well, because the Immix Group \u2018holds the pen\u2019 when it comes to your renewal pricing, we have flexibility to adjust the rates to a competitive level.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-133dc32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"133dc32\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fff25ba\" data-id=\"fff25ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-873be34 elementor-widget elementor-widget-heading\" data-id=\"873be34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Further Reading<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a6c9fcd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6c9fcd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8320d3\" data-id=\"b8320d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82c13fb elementor-widget elementor-widget-text-editor\" data-id=\"82c13fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2022\/09\/07\/one-size-fits-all-not-when-it-comes-to-employee-benefits\/\">One size fits all? Not when it comes to employee benefits. &#8211; Latest News from Immix Group<\/a><\/p><p><a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2022\/12\/02\/8-reasons-for-increases-to-your-employee-benefit-plan-premiums\/\">8 Reasons for Increases to your Employee Benefit Plan Premiums \u00a0\u00a0 &#8211; Latest News from Immix Group<\/a><\/p><p><a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2022\/06\/14\/health-benefits-quote\/\">Check to Ensure your Benefits Quote is Actually for a Comparable Plan &#8211; Latest News from Immix Group<\/a><\/p><p><a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2020\/05\/12\/the-value-of-employee-benefits-inside-a-broker-managed-benefits-pool-especially-during-times-of-uncertainty\/\">The value of employee benefits inside a broker-managed benefits pool, especially during times of uncertainty &#8211; Latest News from Immix Group<\/a><\/p><p><a href=\"https:\/\/www.sunlife.ca\/workplace\/en\/group-benefits\/focus-updates\/over-50-employees\/provincial-dental-fee-increases-for-2023-\/?WT.dcsvid=NzkyMjg3MjQxNzY0S0&amp;WT.mc_id=\" target=\"_blank\" rel=\"noopener\">Dental Fee Guide Increases for 2023<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7726669 elementor-widget elementor-widget-global elementor-global-227 elementor-widget-text-editor\" data-id=\"7726669\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<script src=\"https:\/\/apps.elfsight.com\/p\/platform.js\" defer><\/script>\n<div class=\"elfsight-app-83f14fdc-92b5-4456-9af4-0934ad166639\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be3701f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be3701f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a4a3932\" data-id=\"a4a3932\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1402372 elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"1402372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-a4e753d\" data-id=\"a4e753d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef3a2a5 elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"ef3a2a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>Vice President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-add3704 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"add3704\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-173210a\" data-id=\"173210a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43802c2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43802c2d\" data-element_type=\"section\" data-e-type=\"section\" id=\"xs_post_1\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f034f04\" data-id=\"7f034f04\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7406b8e9 elementor-widget elementor-widget-elementskit-post-tab\" data-id=\"7406b8e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-post-tab.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-post-tab post--tab hover--active \">\n            <div class=\"tabHeader\">\n                <div class=\"tab__list\">\n\t\t\t\t\t\t\t\t\t\t\t                        <span class=\"active tab__list__item\">\n                            Group Savings Plans                        <\/span>\n\t\t\t\t\t\t                    \t\t\t\t\t\t                        <span class=\" tab__list__item\">\n                            Immix Group                        <\/span>\n\t\t\t\t\t\t                    \t\t\t\t\t\t                        <span class=\" tab__list__item\">\n                            Long-Term Disability Coverage                        <\/span>\n\t\t\t\t\t\t                                    <\/div>\n            <\/div>\n            <div class=\"ekit--tab__post__details tabContent\">\n                                    <div class=\"tabItem active\">\n                                                                                            <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2026\/02\/01\/group-savings-plans\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img decoding=\"async\" width=\"2292\" height=\"1250\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan.avif\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Group Savings Plan\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan.avif 2292w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-300x164.avif 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-1024x558.avif 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-768x419.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-1536x838.avif 1536w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-2048x1117.avif 2048w\" sizes=\"(max-width: 2292px) 100vw, 2292px\" title=\"Group Savings Plans 51\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2026\/02\/01\/group-savings-plans\/\">Group Savings Plans<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                                                               <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/11\/02\/top-5-questions-from-employers-when-considering-a-group-savings-plan\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1145\" height=\"916\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/11\/Considering-a-Group-Savings-Plan-.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Group Savings Plan\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/11\/Considering-a-Group-Savings-Plan-.webp 1145w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/11\/Considering-a-Group-Savings-Plan--300x240.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/11\/Considering-a-Group-Savings-Plan--1024x819.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/11\/Considering-a-Group-Savings-Plan--768x614.webp 768w\" sizes=\"(max-width: 1145px) 100vw, 1145px\" title=\"Top 5 Questions from Employers When Considering a Group Savings Plan 52\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2025\/11\/02\/top-5-questions-from-employers-when-considering-a-group-savings-plan\/\">Top 5 Questions from Employers When Considering a Group Savings Plan<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                                                               <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/10\/31\/financial-well-being-valuable-resources-through-our-partnership-with-ciccone-mckay-financial-group\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1365\" height=\"768\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/10\/Financial-Well-being-Valuable-Resources-through-our-Partnership-with-Ciccone-McKay-Financial-Group-jpg.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Financial Well-being: Valuable Resources through our Partnership with Ciccone McKay Financial Group\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/10\/Financial-Well-being-Valuable-Resources-through-our-Partnership-with-Ciccone-McKay-Financial-Group-jpg.webp 1365w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/10\/Financial-Well-being-Valuable-Resources-through-our-Partnership-with-Ciccone-McKay-Financial-Group-300x169.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/10\/Financial-Well-being-Valuable-Resources-through-our-Partnership-with-Ciccone-McKay-Financial-Group-1024x576.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/10\/Financial-Well-being-Valuable-Resources-through-our-Partnership-with-Ciccone-McKay-Financial-Group-768x432.webp 768w\" sizes=\"(max-width: 1365px) 100vw, 1365px\" title=\"Financial Well-being: Valuable Resources through our Partnership with Ciccone McKay Financial Group 53\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2024\/10\/31\/financial-well-being-valuable-resources-through-our-partnership-with-ciccone-mckay-financial-group\/\">Financial Well-being: Valuable Resources through our Partnership with Ciccone McKay Financial Group<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                   <div class=\"clearfix\"><\/div>\n                    <\/div>\n                                    <div class=\"tabItem \">\n                                                                                            <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2026\/02\/01\/group-savings-plans\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"2292\" height=\"1250\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan.avif\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Group Savings Plan\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan.avif 2292w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-300x164.avif 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-1024x558.avif 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-768x419.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-1536x838.avif 1536w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/02\/Group-Savings-Plan-2048x1117.avif 2048w\" sizes=\"(max-width: 2292px) 100vw, 2292px\" title=\"Group Savings Plans 54\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2026\/02\/01\/group-savings-plans\/\">Group Savings Plans<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                                                               <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/05\/02\/unmasking-mental-health\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Mental Health Awareness Week in Canada\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health.webp 1200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health-300x200.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health-1024x683.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health-768x512.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" title=\"Unmasking Mental Health: From Awareness to Action 55\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2025\/05\/02\/unmasking-mental-health\/\">Unmasking Mental Health: From Awareness to Action<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                                                               <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/04\/01\/health-and-wellness-spending-accounts\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/04\/health-spending-accounts.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Health &amp; Wellness Spending Accounts\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/04\/health-spending-accounts.webp 1254w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/04\/health-spending-accounts-300x200.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/04\/health-spending-accounts-1024x683.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/04\/health-spending-accounts-768x512.webp 768w\" sizes=\"(max-width: 1254px) 100vw, 1254px\" title=\"Your Benefits, Your Way: The \u201c101\u201d on Health &amp; Wellness Spending Accounts 56\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2025\/04\/01\/health-and-wellness-spending-accounts\/\">Your Benefits, Your Way: The \u201c101\u201d on Health &#038; Wellness Spending Accounts<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                   <div class=\"clearfix\"><\/div>\n                    <\/div>\n                                    <div class=\"tabItem \">\n                                                                                            <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2025\/05\/02\/unmasking-mental-health\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Mental Health Awareness Week in Canada\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health.webp 1200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health-300x200.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health-1024x683.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2025\/05\/05.2025-Unmasking-Mental-Health-768x512.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" title=\"Unmasking Mental Health: From Awareness to Action 57\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2025\/05\/02\/unmasking-mental-health\/\">Unmasking Mental Health: From Awareness to Action<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                                                               <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2024\/06\/28\/disability-insurance\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/06\/disability-insurance-1-jpg.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"disability insurance\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/06\/disability-insurance-1-jpg.webp 1254w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/06\/disability-insurance-1-300x200.webp 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/06\/disability-insurance-1-1024x683.webp 1024w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2024\/06\/disability-insurance-1-768x512.webp 768w\" sizes=\"(max-width: 1254px) 100vw, 1254px\" title=\"Disability Insurance 58\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2024\/06\/28\/disability-insurance\/\">Disability Insurance<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                                                               <div class=\"tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3 tab__post__single--item ekit___column-3 tablet-ekit___column-2 mobile-ekit___column-2 post-count-3\">\n                                        <div class=\"tab__post__single--inner\">\n                                            <a href=\"https:\/\/immixgroup.ca\/blog\/2014\/03\/14\/long-term-disability-coverage\/\" class=\"tab__post--header\" aria-label=\"url\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2022\/02\/disability.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Disability\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2022\/02\/disability.jpg 1000w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2022\/02\/disability-300x200.jpg 300w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2022\/02\/disability-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" title=\"Long-term disability coverage 59\">                                            <\/a>\n                                            <h3 class=\"tab__post--title\"><a href=\"https:\/\/immixgroup.ca\/blog\/2014\/03\/14\/long-term-disability-coverage\/\">Long-term disability coverage<\/a><\/h3>\n                                        <\/div>\n                                    <\/div>\n                                                                                   <div class=\"clearfix\"><\/div>\n                    <\/div>\n                            <\/div>\n        <\/div>\n\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A Proven Strategy for Containing Employee Benefit Plan Costs With elevated inflation causing everyone to take a closer look at their expenses, we wanted to introduce (and remind those who are already members of the Immix Group Client Community!) the many advantages of our broker-managed pools. Table of Contents Back in May 2020, we wrote [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1041,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"footnotes":""},"categories":[15,7],"tags":[],"class_list":["post-1031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-benefits","category-employee-benefits-plans"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1031","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=1031"}],"version-history":[{"count":30,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1031\/revisions"}],"predecessor-version":[{"id":1100,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1031\/revisions\/1100"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/1041"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=1031"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=1031"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=1031"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}