Manufacturing Leveraged best practices and good loss experience to return $80,000 year after year Up Published on Written by: Page View A best-in-class processing equipment manufacturer had been seeing a decrease in their loss experience, yet they were not seeing a decrease in how much they were paying for insurance. They were curious to learn if there was a way to incentivize their increased focus on safety and best practices. Their current program was "off the shelf" and was not designed to meet their specific needs. After engaging with Cottingham & Butler's Risk Management Assessment (RMA) , they quickly learned that there was not only a better way to buy insurance, but that there were significant coverage deficiencies in their program. The company recognized the value of a customized loss-sensitive program, as well as having a broker partner who would advocate on their behalf for claims. Program Design Delivered a loss-sensitive program option, Horizon, that would allow the company to receive up to 50% of their premium back for good loss years. Identified 3 carriers that had never seen the account before, and had an interest in the business. Coverage Identified 20 coverage deficiencies in their existing program. Significant deficiencies include: Multiple sub-limits were inadequate compared to their operations. The policy was designed for Architect and Engineering Professionals, NOT for Manufacturers. Multiple exclusions related to the core business operations of the company were present. No flood/earthquake coverage in a high-risk area. Contractual Risk Transfer Highlighted areas of concern and how their current risk transfer methods were inadequate for their industry and line of work. Cottingham & Butler put together recommendations and corrected critical mistakes in policy language Stability After joining Horizon, the company experienced a large loss in its first year of implementation. Even after the loss, their spend was similar. By paying in guaranteed cost, they avoided the increases they would have seen in the standard market. Since then, the company has received $80,000+ each year for their good loss experience. Claims Advocacy While the company had great loss experience, they had not previously received any claims reviews or advocacy services. After being made aware of the impacts of delayed reporting, their claims reporting processes were improved and consistent claim reviews were scheduled with the team. April 25, 2023 Cottingham & Butler View All Posts TAGS: Article Case Study Employee Benefits Manufacturing Property & Casualty Claims Management Coverage Basics Cyber Loss Control & Prevention Mergers & Acquisitions Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Register Now! Register Now! WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Register Now! Register Now! WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

Begin your job search and discover exciting career opportunities at Cottingham & Butler! Begin your job search and discover exciting career opportunities at our company. Location: Filter by location Job Category Filter by job category Search Reset Location: Dubuque, Iowa, United States 2027 Summer Claims Adjuster Internship APPLY TODAY! Location: Dubuque, Iowa, United States 2027 Summer Client Service Internship APPLY TODAY! Location: Dallas, Texas, United States 2027 Summer Sales Internship APPLY TODAY! Location: Dubuque, Iowa, United States 2027 Summer Sales Internship APPLY TODAY! Location: Madison, Wisconsin, United States Account Executive APPLY TODAY! Location: Des Plaines, Illinois, United States Account Executive APPLY TODAY! Location: Des Moines, Iowa, United States Account Executive APPLY TODAY! Location: Remote Account Executive APPLY TODAY! Location: Dubuque, Iowa, United States Account Executive APPLY TODAY! Location: Pittsburgh, Pennsylvania, United States Accounting Specialist APPLY TODAY! Location: Dubuque, Iowa, United States Account Manager APPLY TODAY! Location: Dallas, Texas, United States Account Manager APPLY TODAY! Location: Dyersville, Iowa, United States Account Manager APPLY TODAY! Location: Dubuque, Iowa, United States Account Manager - Health and Wellness APPLY TODAY! Location: Dubuque, Iowa, United States Account Manager - SISCO APPLY TODAY! Location: Dubuque, Iowa, United States AI Software Engineer APPLY TODAY! Location: Dubuque, Iowa, United States Associate Marketing Coordinator APPLY TODAY! Location: Pittsburgh, Pennsylvania, United States Benefits Administrator APPLY TODAY! Location: Pittsburgh, Pennsylvania, United States Benefits Associate APPLY TODAY! Location: Dubuque, Iowa, United States Bilingual RN Case Manager APPLY TODAY! Location: Dubuque, Iowa, United States Brokerage Experienced Sales Executive APPLY TODAY! Location: Dubuque, Iowa, United States Captive Consultant – Property & Casualty APPLY TODAY! Location: Dubuque, Iowa, United States Claims Captive Consultant APPLY TODAY! Location: Dubuque, Iowa, United States Claims Coordinator APPLY TODAY! Location: Dubuque, Iowa, United States Client Service Representative APPLY TODAY! Location: Dubuque, Iowa, United States Condition Management Account Coordinator APPLY TODAY! Location: Madison, Wisconsin, United States Condition Management Account Coordinator APPLY TODAY! Location: Des Moines, Iowa, United States Condition Management Account Coordinator APPLY TODAY! Location: Davenport, Iowa, United States Condition Management Account Coordinator APPLY TODAY! Location: Iowa Condition Management Account Coordinator APPLY TODAY! Location: Iowa City, Iowa, United States Condition Management Account Coordinator APPLY TODAY! Location: Dubuque, Iowa, United States Condition Management CNA APPLY TODAY! Location: Dubuque, Iowa, United States Contractor Service Coordinator APPLY TODAY! Location: Dubuque, Iowa, United States Employee Benefits Client Consultant APPLY TODAY! Location: Dubuque, Iowa, United States Entry Level Sales Executive APPLY TODAY! Location: Dubuque, Iowa, United States Entry Level Sales Executive - Employee Benefits APPLY TODAY! Location: Des Moines, Iowa, United States Entry Level Sales Executive - Employee Benefits APPLY TODAY! Location: Madison, Wisconsin, United States Entry Level Sales Executive - Employee Benefits APPLY TODAY! Location: Dubuque, Iowa, United States Entry Level Sales Executive - Risk Management APPLY TODAY! Location: Madison, Wisconsin, United States Entry Level Sales Executive - Risk Management APPLY TODAY! Location: Dallas, Texas, United States Entry Level Sales Executive - Trucking APPLY TODAY! Location: Madison, Wisconsin, United States Entry Level Sales Executive - Trucking APPLY TODAY! Location: Dubuque, Iowa, United States Entry Level Sales Executive - Trucking APPLY TODAY! Location: Dubuque, Iowa, United States Executive Assistant APPLY TODAY! Location: Madison, Wisconsin, United States Experienced Sales Executive - Employee Benefits APPLY TODAY! Location: Dubuque, Iowa, United States Experienced Sales Executive - Employee Benefits APPLY TODAY! Location: Remote Experienced Sales Executive - Employee Benefits APPLY TODAY! Location: Des Plaines, Illinois, United States Experienced Sales Executive - Employee Benefits APPLY TODAY! Location: Des Moines, Iowa, United States Experienced Sales Executive - Employee Benefits APPLY TODAY! Location: Dallas, Texas, United States Experienced Sales Executive - Employee Benefits APPLY TODAY! Location: Des Plaines, Illinois, United States Experienced Sales Executive - Risk Management APPLY TODAY! Location: Edina, Minnesota, United States Experienced Sales Executive - Risk Management APPLY TODAY! Location: Madison, Wisconsin, United States Experienced Sales Executive - Risk Management APPLY TODAY! Location: Dallas, Texas, United States Experienced Sales Executive - Risk Management APPLY TODAY! Location: Des Moines, Iowa, United States Experienced Sales Executive - Risk Management APPLY TODAY! Location: Dubuque, Iowa, United States Experienced Sales Executive - Risk Management APPLY TODAY! Location: Dubuque, Iowa, United States Experienced Sales Executive - Transportation APPLY TODAY! Location: Des Plaines, Illinois, United States Experienced Sales Executive - Transportation APPLY TODAY! Location: Edina, Minnesota, United States Experienced Sales Executive - Transportation APPLY TODAY! Location: Dallas, Texas, United States Experienced Sales Executive - Transportation APPLY TODAY! Location: Remote Experienced Sales Executive - Transportation APPLY TODAY! Location: Madison, Wisconsin, United States Experienced Sales Executive - Transportation APPLY TODAY! Location: Dubuque, Iowa, United States Financial Service Representative APPLY TODAY! Location: Dubuque, Iowa, United States Graphic Designer APPLY TODAY! Location: Dubuque, Iowa, United States Human Resources Generalist APPLY TODAY! Location: Des Moines, Iowa, United States Insurance Placement Specialist APPLY TODAY! Location: Dubuque, Iowa, United States Insurance Placement Specialist APPLY TODAY! Location: Dallas, Texas, United States Insurance Placement Specialist APPLY TODAY! Location: Madison, Wisconsin, United States Insurance Placement Specialist APPLY TODAY! Location: Des Plaines, Illinois, United States Insurance Placement Specialist APPLY TODAY! Location: Remote Licensed Service Representative APPLY TODAY! Location: Davenport, Iowa, United States Member Services Coordinator APPLY TODAY! Location: Dubuque, Iowa, United States Member Services Coordinator APPLY TODAY! Location: Dubuque, Iowa, United States Receptionist APPLY TODAY! Location: Madison, Wisconsin, United States Regional Sales Leader - Employee Benefits APPLY TODAY! Location: Des Plaines, Illinois, United States Regional Sales Leader - Employee Benefits APPLY TODAY! Location: Des Moines, Iowa, United States RN Case Manager APPLY TODAY! Location: Dubuque, Iowa, United States RN Case Manager APPLY TODAY! Location: Dubuque, Iowa, United States; Remote Salesforce Administrator APPLY TODAY! Location: Madison, Wisconsin, United States Sales Leader - New Business & Producer Development APPLY TODAY! Location: Dubuque, Iowa, United States Sales Leader - Wholesale Sales Manager APPLY TODAY! Location: Madison, Wisconsin, United States Senior Employee Benefits Client Consultant APPLY TODAY! Location: Dubuque, Iowa, United States Senior Employee Benefits Client Consultant APPLY TODAY! Location: Dubuque, Iowa, United States Service Representative APPLY TODAY! Location: Dubuque, Iowa, United States Service Supervisor APPLY TODAY! Location: Dubuque, Iowa, United States Software Engineer APPLY TODAY! Location: Remote TPA Sales Executive (Fully Remote) APPLY TODAY! Location: Des Moines, Iowa, United States Utilization Management Assistant APPLY TODAY! Location: Dubuque, Iowa, United States Utilization Management Assistant APPLY TODAY! Location: Davenport, Iowa, United States Utilization Management CNA APPLY TODAY! Location: Dubuque, Iowa, United States Utilization Management CNA APPLY TODAY! Location: Remote Workers Compensation Claims Adjuster (Midwest Experience Required) APPLY TODAY! Connect with our Recruiting Team!

We tailor your benefits and engagement programs to not only attract top talent but also ensure their lasting commitment. Our approach goes beyond conventional strategies, focusing on creating an enriched workplace experience that aligns with your organizational goals. Total Rewards and Engagement Empowering Employers in Talent Attraction and Retention CONNECT WITH OUR TEAM Taking care of your employees means taking care of your business. A competitive compensation and benefits package can be a game-changer, elevating employee satisfaction and engagement while also providing a substantial advantage in attracting and retaining top talent. Maximize employee value and satisfaction with a strategic Total Rewards approach In today's dynamic workplace, offering a comprehensive Total Rewards package goes beyond traditional benefits. At Cottingham & Butler, we believe in a holistic approach that encompasses not only competitive pay and insurance coverage but also opportunities for growth, work-life balance, recognition, and employee wellness programs. Our Total Rewards approach ensures employees see the full value your organization provides, leading to increased job satisfaction and improved retention. Connect with our Total Rewards Experts Today > Total Rewards Strategy A one-size-fits-all approach doesn't work. We take the time to understand your unique company culture, employee demographics, and business goals. By aligning these with industry trends and benchmarks, we design a total rewards program that delivers real impact. REQUEST YOUR TOTAL REWARDS ASSESSMENT TODAY Designing an impactful benefits and compensation program hinges on aligning your goals with employee expectations We help to ensure you’re spending your time and resources efficiently, emphasizing benefits that attract and retain high-quality talent, all in support of your organization’s success. Informed Decision-Making Clients get access to our engagement study on employee-preferred non-medical benefits. Enhanced Health Literacy Leverage our digital and concierge tools to help employees realize quality and cost insights in their healthcare decision making. Employee-Centric Insights Conduct employee benefit preference surveys to gain in-depth knowledge of employees' reward priorities. Employee Rewards & Engagement BenefitWave transforms traditional feedback methods. Leveraging cutting-edge technology and drawing on decades of consulting expertise, we help employers better understand employees' benefit preferences to maximize their benefits program. VIEW EMPLOYEE INSIGHTS GAINED WITH BENEFITWAVE Compensation Strategy Compensation Strategy Download The Critical Role of Compensation in the Recruitment Process Guide by Matt Shefchik In today's competitive market, a well-designed compensation strategy is no longer optional, it's essential for attracting top talent and reducing costly turnover. Our in-house compensation consulting team specializes in building equitable and competitive compensation systems, crafting pay philosophies, and designing incentives for executives, staff, and sales teams. We understand the diverse needs of public-sector employers, privately-held companies, and not-for-profit organizations, and help businesses like yours: Attract & retain top talent Create fair and equitable compensation plans Boost employee engagement & morale Improve bottom-line performance Employee Rewards and Engagement Insights Affordability of Benefits & Impact to Compensation Benefit costs are rising two to three times faster than inflation, and that's starting to throw off the balance between pay and benefits. On-Demand Variable Pay Plan Interest in Low Wage Growth Environments In part two of our Compensation & Total Rewards Trends series, Matt Shefchik, who leads Total Rewards Consulting at Cottingham & Butler, dives into variable pay plans and why they're gaining traction in today's low wage growth environment. On-Demand Work, Worth, and the Economics of Feeling Valued Compensation is not merely financial, and benefits are not merely supplementary. The difference between them is much deeper, more human, and ultimately more consequential. Articles VIEW MORE Total Rewards Connect with our Total Rewards Team!

In 1957, current Chairperson John E. Butler joined the family business as one of three employees. Under his leadership and vision, Cottingham & Butler has grown to over 1,300 employees nationwide. John E. Butler Chairperson In 1957, current Chairperson John E. Butler joined the family business as one of three employees. Under his leadership and vision, Cottingham & Butler has grown to over 1,300 employees nationwide. The firm’s growth has been propelled by John’s spirit of innovation and commitment to exceptional service, developing several alternative market facilities within the claim administration, health, managed care, and safety sectors. John’s current focus is the development and implementation of initiatives for the company’s continued vigorous growth. During his tenure at Cottingham & Butler, John served as director and acted as an executive committee member for both Assurex Global and the Council of Insurance Agents and Brokers. He is a former chair of the Iowa Association of Business and Industry. John resides in Dubuque, Iowa, where Cottingham & Butler is headquartered. He is an active member of his community, sitting on the Executive Committee of the Board for the University of Dubuque, and formerly the Grand Opera House Foundation. John was honored with the Junior Achievement Business Hall of Fame Lifetime Achievement Award. Regionally, John serves as a member of Chicago’s Executive Committee of the Noble Network of Charter Schools, as well as the Lyric Opera. John graduated from Babson College in Massachusetts with a BS in Business Administration, receiving his MBA with a concentration in Insurance from the Wharton School of the University of Pennsylvania.

For over 15 years, Cottingham & Butler has collected data from motor carriers coast to coast through the Trucking Benchmark Survey to provide participants with a detailed outlook on how their benefits and compensation programs compare against others in the industry. 5 Proven Strategies Every Employer Needs to Know How to Cut Healthcare Costs by Up to 30% Did you know that the average cost of family health coverage in the U.S. is a staggering $31,000 per year? That's nearly half of the typical household income. We've compiled five of the most impactful considerations your company can make to save on health coverage costs while providing exceptional benefits plans for your employees. Free Guide Access Your Free Guide By downloading, you agree to receive updates from Cottingham & Butler. You can unsubscribe at any time. Inside this Free Guide: Prescription Drug Cost Management Learn how to cut drug costs by up to 25% without compromising care. Uncover Hidden Savings Discover alternative coverage options that benefit both you and your employees. Family Coverage Optimization Improve coverage to save $10,000+ per family annually. Smart Healthcare Shopping Discover tools to help employees save thousands on procedures. Innovative Funding Strategies Learn how alternative risk programs can help cut premiums by 5-8% annually. $310,000 Saved A school district with 200 employees optimized their family coverage plans, resulting in substantial savings.

The Cottingham & Butler Manufacturing Practice offers a dedicated focus on risk control, seamless claim services, and comprehensive coverage expertise, delivering a holistic approach to managing the inherent risks faced by today's manufacturers. Personal Lines Insurance Tailored insurance solutions designed for your unique lifestyle and success. As individuals become more successful, they face risks that the mainstream insurance market cannot adequately cover with standard homeowner, automobile, and umbrella policies. Cottingham & Butler offers a private client insurance program tailored to fit your lifestyle and designed to prevent or reduce your likelihood of loss. The Cottingham & Butler Advantage Our personal lines insurance solutions are built on three core principles: Client Advocacy Our private client team works solely for you, not the insurance company Dedicated support for peace of mind for your family, assets, and wealth protection Clients are our number one priority Exclusive Access Partnerships with premier private client companies Ability to offer broader, more comprehensive coverage at competitive costs Drive competition for your business, bringing multiple solutions Thorough Exposure Review Comprehensive coverage review to identify and address gaps Maximization of carrier discounts and household protection measures Strategic deductible analysis for optimal cost-benefit balance Assessment of the negative impact of reporting small claims Rather than a one-size-fits-all approach, our proprietary Personal Risk Assessment (PRA) process provides a complete roadmap for optimizing each client’s unique insurance program. We review coverage, risk transfer options, claims management, and loss prevention. The complete Personal Risk Assessment will analyze the following areas: Program Design : Is your program the best for you? Coverage Review : What is really in those policies? Liability Assessment : Does your coverage match your net worth? Risk Management : How effective are your risk solutions? Comprehensive Insurance Solutions and Tailored Coverage for Every Aspect of Your Success Personal Lines Coverages High-value home insurance with unlimited rebuild coverage Luxury auto coverage with agreed value policies Personal umbrella liability up to $100,000,000 Valuable articles protection (blanket and scheduled coverage) Yacht and watercraft insurance Private aviation coverage Personal cyber crime coverage Personal Lines Key Features Unlimited rebuild coverage for homes Flexible deductible options (can be waived up to $25,000 for claims over $50,000) Backup of sewer & drain coverage Cash settlement option for total losses Agreed value for auto policies Worldwide coverage for insured personal articles Excess liability coverage up to $100,000,000 Uninsured/underinsured motorist coverage up to $10,000,000 "Cottingham & Butler thoroughly understood our needs and evaluated numerous options. They suggested coverage modifications we hadn't considered, resulting in a more comprehensive offering, better protection, and cost savings. Their professional approach left us completely satisfied with our partnership." Personal Lines Client | Chicago, IL Personal Lines Insurance Insight & Impact Maximizing Protection While Minimizing Costs In the world of personal insurance, finding the right balance between comprehensive coverage and affordable premiums can be challenging. Personal Lines Optimizing Multi-Home Insurance: How We Increased Coverage and Decreased Premiums by 33% This case study showcases how strategic adjustments can lead to superior protection at a lower cost. Personal Lines From Gaps to Comprehensive Coverage In the world of high-net-worth individuals, insurance needs can be complex and multifaceted. Personal Lines VIEW MORE Connect with a Personal Lines Insurance Specialist!

Since 1887, our promise has been simple: Better Every Day. We're dedicated to providing our clients with superior advice, service, and innovative ideas, surpassing our competitors consistently. This approach has produced superior results and a growth track record that has propelled us to the 3rd largest privately and independently held brokerage in the country. Your Trusted Insurance Partner Since 1887, our promise has been simple: Better Every Day. WATCH OUR STORY It's not just a slogan, it's a relentless drive to push boundaries, ignite innovation, and deliver superior results for our clients. We're not content with the status quo. We challenge conventional thinking, embrace fresh ideas, and constantly refine how we serve you. This unwavering commitment has fueled exceptional growth, propelling us to become the 3rd largest privately held brokerage in the country. 3rd largest privately and independently held insurance broker 135+ years of service 1887 established At Cottingham & Butler, our mission is simple, yet sincere... To partner with our clients, to protect their most valuable assets, and to build an exceptional company of passionate insurance professionals. Delivering Excellence, Building Trust Our core values form the bedrock of our culture, defining how we do business. Integrity It's the cornerstone of every action we take. Transparency We always tell the truth and keep our commitments. Respect We imbue every interaction with dignity and respect. Client-Centric Focus We understand and serve our clients' long-term best interests as if they were our own. Our Visionary Leaders Andrew Butler, Executive Chairperson Andrew leads Cottingham & Butler with a strategic vision, driving prosperity, growth, and cultivating employee development. His commitment to delivering exceptional services to our clients and establishing respected industry partnerships underscores our constant pursuit of excellence. Read Full Bio > David Becker, CEO As CEO, David uses his extensive experience in business strategy and growth to lead the overall operations of Cottingham & Butler and its subsidiaries. His leadership ensures that our clients consistently receive superior service and innovative solutions, embodying our dedication to excellence. Read Full Bio > Mike Hessling, President As President, Mike focuses on strengthening our operations and positioning Cottingham & Butler for continued growth. His leadership supports the delivery of exceptional client service while fostering an environment where talented professionals build meaningful careers. Read Full Bio > John E. Butler, Chairperson In his role as Chairperson, John focuses on propelling our company's robust growth and advancing the development of our industry. His visionary initiatives shape our strategic direction, emphasizing innovation and reinforcing our position as industry leaders. Read Full Bio > Reaching You, Wherever You Are Strategically positioned across the U.S. with a team of over 1,300 professionals, we take pride in guaranteeing accessibility to every client. Our ongoing efforts to extend our reach emphasizes our commitment to providing best-in-class service. CB History Video Our History From a humble single storefront nestled on the banks of the Mississippi in 1887 to a national powerhouse, Cottingham & Butler's story is one of family, resilience, and unwavering dedication to client service. Through generations, we've grown alongside our clients, adapting to challenges, and pioneering new solutions. MAKE HISTORY WITH US. About Page Contact Us Reach out today, and let's work together to secure your future

Our cost management strategies integrate analytics, alternative funding methods, and forward-thinking claim management to minimize expenses and maintain the value of your investments. The Advantage Program Your Small Business. Our Expertise. The Advantage You Deserve. CONNECT WITH OUR TEAM Small businesses are the backbone of the American economy, driving innovation and creating jobs in communities across the nation. Yet when it comes to offering competitive employee benefits, small businesses face an uphill battle. The challenges are significant and growing, from rising healthcare costs to increasingly complex regulatory requirements. Cottingham & Butler’s Advantage Program specializes in helping small businesses get back the Advantage – providing the expertise and scale needed to help you compete for talent with a competitive benefit package, sustainable budget, and lean administrative team. Reimagining Your Benefits Strategy Improve employee satisfaction, save time & money. We craft tailored Employee Benefits Solutions that engage your workforce and optimize your bottom line. Time Savings Financial Savings Make Employees Happy Time Savings: Maximize Your Limited Resources Small business leaders wear multiple hats and often lack the luxury of building dedicated HR and finance teams. Our support system helps you navigate these challenges efficiently with: Dedicated client service team No phone trees In-depth self-service client portal Employee Benefits Hotline Expert technology advisors Financial Savings: Combat Rising Healthcare Costs Healthcare trends continue to drive double-digit cost increases, resulting in lower profits and forcing organizations to pass these burdens onto both customers and employees. Our approach helps you take control of these rising costs through: Preferred Small Business Healthcare Solutions Strategic Program Assessment Group Insurance Advantages Technology Credit Program See how we helped this Midwest-based real estate company avoid a $200,000 cost increase READ THE FULL CASE STUDY See how BETSY transformed this employers' open enrollment satisfaction and participation. READ THE FULL CASE STUDY Benefits That Make a Difference: Win the Talent Competition In today's fierce talent market, small businesses face unprecedented competition for qualified employees while trying to match larger organizations with extensive budgets and resources. We help level the playing field by providing: Competitive Intelligence Financial Wellness Resources Strategic Communications Support Micro-Strategy Session Recordings Simplified Benefit Solutions In just 30 minutes, you'll gain key insights into the benefits and healthcare trends directly impacting your business and discover solutions to the most challenging issues in the employee benefits space with real-world case studies of companies that have successfully implemented these strategies. WATCH THE SESSION Cost-Control Strategies Your Competition Doesn't Know Yet Check out this 30-minute strategy session to discover cost management techniques that don’t involve just moving your insurance carrier or raising deductibles. No fluff, just actionable strategies you can implement immediately. WATCH THE SESSION HR Time Saving Resources Between managing compliance, handling employee questions, and keeping up with regulations across different states, there never seems to be enough time in the day. This session covers accessible resources designed specifically to give businesses like yours precious time back. WATCH THE SESSION 3 Ways to Overcome Open Enrollment Challenges This recording provides HR professionals with strategies to streamline open enrollment through effective employee education, technology solutions, and communication tactics that help employees better understand and appreciate their benefits. WATCH THE SESSION Employee Benefits Insights MLR Rebates & How to Handle Them Each year, employers sponsoring a fully insured group health plan may receive a medical loss ratio (MLR) rebate from their insurer. Under the ACA's MLR rules, insurers must provide rebates when their spending on clinical services and quality improvement activities, relative to premium revenue, falls below the applicable MLR standard. Employee Benefits DOL Issues New Guidance on Mental Health Parity Rules Enforcement The Mental Health Parity and Addiction Equity Act (MHPAEA) requires group health plans that offer mental health or substance use disorder benefits to provide those benefits on terms that are no restrictive than medical/surgical benefits. That’s the “parity” part of the law. Employee Benefits Annual Non-Discrimination Testing Does your organization need to run nondiscrimination testing on its cafeteria plan every year? In this video, Bret McKitrick, VP of Compliance at Cottingham & Butler, explains why the IRS cares about who benefits from these plans, why testing is the only real way to prove your plan isn't discriminatory, and what risks to weigh if you decide to skip it. Spoiler: it's a "maybe, kinda, yeah, sort of" answer, and Bret walks you through why. Employee Benefits VIEW MORE Connect with our Advantage Program Experts Today!

Our consulting team is committed to assessing your organization's risks and providing insights and guidance for navigating legislative and economic shifts that directly impact your business's sustainability. Navigating Compliance with Confidence We empower you to navigate complex compliance environments confidently, freeing up your energy to drive business growth. CONNECT WITH OUR TEAM Benefits compliance errors can lead to costly penalties and disruptions. Our team, including on-staff compliance attorneys, helps you stay ahead of regulations, minimizing risk and ensuring a smooth benefits experience for your employees. Compliance Updates Get the Latest Updates & Expert Guidance. Staying on top of ever-changing benefits regulations can be a challenge. Even minor missteps can result in hefty fines, employee frustration, and operational disruptions. Let us help you navigate the complexities of compliance with ease. VIEW LATEST COMPLIANCE NEWS DOL Issues New Guidance on Mental Health Parity Rules Enforcement The Mental Health Parity and Addiction Equity Act (MHPAEA) requires group health plans that offer mental health or substance use disorder benefits to provide those benefits on terms that are no restrictive than medical/surgical benefits. That’s the “parity” part of the law. Employee Benefits Compliance Webinars – On-Demand Library Our 2026 Compliance On-Demand Series is designed to keep you informed, prepared, and confident heading into every quarter. News Trump Account Contribution Programs For employers seeking family-focused benefits, TACPs provide a way to help employees save for a child's future while receiving favorable federal income tax treatment. Employee Benefits Form 5500s for Health & Welfare Plans Form 5500 compliance is an important component of ERISA plan administration and requires careful attention to plan structure, participant counts, and funding arrangements. Employers should regularly review their benefit structure, confirm whether filing thresholds are met, and ensure that filings are completed accurately and on time. Articles Benefits Compliance Services Navigate State & Federal Legislation Identify potential risks of penalties and lawsuits due to non-compliance. Welfare Strategic Planning Develop multi-year strategic plans to ensure compliance with DOL, HHS, and IRS regulations. ERISA Compliance & Guidance Follow an annual federal disclosure compliance calendar, inclusive of employee notices, guides, timelines, and checklists to maintain adherence. Internal Revenue Code Expertise Receive guidance on IRC 125/cafeteria plans, health benefits, and relevant tax rules concerning employee benefit plans. ACA Compliance and Resource Support Access educational materials, timelines, sample employee letters, forms, notices, and waivers for ACA mandates, reporting, penalties, and taxes. Streamline COBRA Administration Efficiently manage COBRA administration, ensuring compliance and smooth transitions for employees during benefit changes. Accurate 5500 Filings Handle precise and timely Form 5500 filings, providing accurate documentation for regulatory compliance. Expertise in HSA, FSA, HRA Management Oversee and optimize HSA, FSA, and HRA management, tailoring solutions to maximize benefits and tax advantages for your organization and employees. Compliance Insights DOL Issues New Guidance on Mental Health Parity Rules Enforcement The Mental Health Parity and Addiction Equity Act (MHPAEA) requires group health plans that offer mental health or substance use disorder benefits to provide those benefits on terms that are no restrictive than medical/surgical benefits. That’s the “parity” part of the law. Employee Benefits Compliance Webinars – On-Demand Library Our 2026 Compliance On-Demand Series is designed to keep you informed, prepared, and confident heading into every quarter. News Trump Account Contribution Programs For employers seeking family-focused benefits, TACPs provide a way to help employees save for a child's future while receiving favorable federal income tax treatment. Employee Benefits VIEW MORE Compliance Connect with our Employee Benefits Team!

Offering real-time HR support, a trove of training resources and seamless technology & vendor management, our team is here every step of the way to implement personalized solutions that help lighten your load. Creating HR Harmony We allow HR professionals to invest their energy where it matters most – in achieving business goals and taking care of their people. CONNECT WITH OUR TEAM Is your HR team bogged down by administrative tasks instead of focusing on strategic initiatives? Offering real-time HR support, a trove of training resources and seamless technology & vendor management, our team is here every step of the way to implement personalized solutions that help lighten your load. Our Approach Day-to-Day Support Streamline your HR operations with our Day-to-Day Support services. We handle the administrative details, allowing your team to focus on strategic initiatives. Technology & Vendor Management Maximize the potential of your HR technology with our specialized services in Technology & Vendor Management. From system integration to vendor relationship optimization, we ensure your tools are seamlessly aligned, empowering your organization with cutting-edge solutions for enhanced efficiency. Employee Communications & Support Promote a harmonious workplace through our Employee Communications & Support services. We excel in crafting effective communication strategies and providing personalized support to your employees, fostering engagement and satisfaction across your organization. Leverage our expertise to navigate technology complexities seamlessly. Support with insurance & vendor selection Management of carrier & vendor relationships Benefit administration system support New system implementation & file feeds Access to benefit document repository Access to technology credit program REQUEST A TECHNOLOGY DEMO NOW! Transparent and clear communication regarding employee benefits is crucial. Our creative and proactive approach to communication consistently boosts employee satisfaction, engagement, and overall retention, resulting in a more satisfied workforce and improved value for your organization. Partner with our in-house communications specialists to ensure your employees have a clear understanding of their benefits and empower them to make more informed decisions. COMPLETION RATE & SEE HOW ONE CLIENT ACHIEVED ENROLLMENT VIEW CASE STUDY Text enrollment offers your employees a quick and user-friendly way to complete their benefits enrollment anytime, anywhere right from their phone. SCHEDULE A DEMO TODAY! HR Efficiency Insights 5 Best Practices for Benefits Communication 5 essential benefits communication strategies to improve employee engagement during open enrollment. Learn how to simplify messaging and drive better outcomes. Articles Minnesota PFML Is Coming in 2026: What HR Teams Need to Know Now Minnesota Paid Family Medical Leave (MN PFML) is a game-changer for employee benefits and workplace culture. With thoughtful planning and proactive communication, HR teams can turn this mandate into an opportunity to support employee well-being and strengthen organizational trust. Articles New Healthcare Strategy Delivers $540,000 Savings for Multi-Site Senior Care Provider When traditional healthcare benefits threatened both employee access and company financials, a strategic pivot to ICHRA revolutionized... Case Studies VIEW MORE HR Efficiency Connect with our HR Efficiency Experts Today!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Industry-Specific Benefits Benchmark Report COMPARE AND COMPETE In today's competitive market, having the right benefits package isn't just important—it's essential for success. Use our industry specific benchmark reports to give you detailed insights into what other companies in your industry are offering, helping you design a benefits program that attracts top talent without overspending. Enter in your company details below to claim your free report! First name Last name Email Job Title Company name Industry Submit What's Inside? This data-driven report helps you understand how your benefits program compares to market standards and identifies opportunities for enhancement. Each industry benchmark report provides a detailed analysis across eight critical areas of employee benefits: Employer Contributions & Plan Design Analysis of premium cost-sharing, funding strategies, and comparison of medical, dental, and vision plan features. Ancillary & Disability Benefits Overview of supplemental insurance (accident, critical illness, hospital indemnity) and examination of short-term and long-term disability coverage. Leave & Retirement Benefits Review of paid time off, family leave policies, and assessment of 401(k) and other retirement plan features, including employer matching. Employee Preferences & National Comparison Insights into benefit selection patterns, utilization trends, and evaluation against industry standards and national benchmarks. Contact Contact a Benefits Consultant to learn more.

WEBINAR FMCSA HOS Exceptions & Operational Flexibility Tuesday, July 14th | 1-2 PM CST In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. July 14, 2026 1:00 PM VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Describe the key provisions and eligibility criteria for major FMCSA HOS exceptions, including Short-Haul, Adverse Driving Conditions, Split Sleeper Berth, Agricultural Operations, Oilfield Operations, and Emergency Declarations. Differentiate between each HOS exception by identifying when and how each rule applies in real-world transportation scenarios. Apply HOS exception rules to compliance situations by evaluating sample driver logs or case scenarios for proper use of each exception. Recognize common compliance risks and violations associated with misuse or misunderstanding of HOS exceptions. Determine appropriate documentation and recordkeeping requirements needed to support the use of each HOS exception during audits or roadside inspections. Your Host Joshua Anderson Safety Consultant, SMSC Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Read More Register Now IN-PERSON September 15-18, 2026 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Read More Register Now View All Events Connect with a C&B Representative Today!