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Group benefits audit

Most companies are overpaying for benefits, and they don’t even know it.

A third-party group benefits audit can reveal hidden risks, funding gaps, and costly plan design mistakes that quietly drive your renewal increases.

You'll also uncover:

• The hidden liability buried inside most salary-based benefits
• Why “benchmarking reports” rarely tell the real story
• The funding mistake that leads to 25–35% renewal shocks
• How small administrative gaps create major financial risk
• What insurers won’t proactively tell you about your plan

Are you still living with a plan you inherited?

Here’s what usually happens.

A company implements a group benefits plan when it’s small.  A broker negotiates a rate.
Renewals happen every year.

Over time, the plan becomes a patchwork of decisions.

No one steps back to ask the important questions:

  • Is the plan properly funded?
  • Are coverage levels competitive?
  • Are there administrative liabilities buried in the structure?

And frankly, that’s where problems start.

Because when these questions aren’t asked, companies often discover the issues only after a major renewal increase or compliance problem.

How it works

1. Administration Review

Administrative gaps create risk.

Especially when it comes to salary-based benefits like long-term disability.

We review how benefits are administered to ensure the employer isn’t exposed to unnecessary liability.

2. Coverage Level Benchmarking

Benefits are part of compensation.

But many plans drift away from the market over time.

We benchmark your coverage levels to ensure your benefits remain competitive and valued by employees.

3. Financial Sustainability

Rates matter — but sustainability matters more.

We review plan funding and claims experience to determine whether your current rates are realistic or heading toward future increases.

The goal is predictability

Yes, sometimes companies discover they’re overpaying.  But the bigger value of an audit is clarity.

You understand:

  • whether your plan is properly funded
  • whether it aligns with your workforce
  • whether the structure will hold up long-term

That’s the difference between reacting to renewals and managing your benefits strategy.

When you should do an audit

Most companies should review their benefits plan every few years.

Particularly when:

• Your workforce has grown significantly
• Renewal increases are becoming unpredictable
• Leadership is reviewing compensation strategy
• You haven’t conducted an independent review in years

Independent oversight ensures the plan remains competitive, compliant, and sustainable.

Why companies bring in Rampart

We’re not traditional brokers.

Rampart works with leadership teams to ensure benefits programs support:

• talent retention
• predictable long-term costs
• employee well-being
• sustainable plan design

In a nutshell:

We help companies move from benefits administration to benefits strategy.

Get a $0 plan audit

If you haven’t reviewed your benefits plan in the past few years, it may be worth a second look.

Rampart Benefits offers a complimentary plan review to help organizations understand how their plan is performing and where improvements may exist.

Email us: lydia [@] rampartbenefits.ca