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Employee Benefits Analysis Corporation ( EBAC ) understands that each industry has its own set of challenges. We carefully design benefit programs to meet those challenges and assist our client companies in maximizing their benefit dollars. History EBAC has over 68 years of combined experience in the design and implementation of employee benefit plans. We have a very active research department that keeps our clients abreast of changes that affect their benefit programs. As a result of our research, we are often leaders in the development of programs that take advantage of changes in legislation and the tax code. Specialized Every business organization has a personality of its own as evidenced by its philosophies, goals, and management strategies. EBAC specializes in the design, implementation, and administration of complete employee benefit programs, which coincide with the objectives of our clients while providing the most competent and cost-effective administration available. We also have extensive experience in the merger or acquisition of an employee benefit plan. Whether it is a group retirement plan, group insurance plan, or cafeteria plan, EBAC has the expertise available to design and implement a program to meet the individual needs of any corporation, organization, partnership, or sole proprietor. EBAC is a team of dedicated professionals whose combined knowledge and total efforts are applied to only one goal...providing our clients with the best employee benefit programs. Our family of services includes the following:
Group Insurance Plans EBAC has a close working relationship with well-known, financially sound insurance companies. This alliance enables us to obtain the most competitive rates available. EBAC is equipped to determine whether your needs are satisfied by a fully insured plan, partially self-funded plan, or fully self funded plan. Our services include:
401(k) Plans 401(k) plans provide the employee with an opportunity to save in a nontaxable environment. Thus, these plans establish a partnership created by the employer and the employee working together for the future security of both. The key to a successful plan is the development of a system where the record keeping, investment, and administrative functions work together smoothly and accurately. A cost effective, turnkey system maximizes the benefits to both the employer and employee. To compete for quality employees and to make optimum use of employee benefits as a tax and compensation-planning tool, EBAC brings the highest level of integration plan services and counsel to employers of all sizes. Cafeteria Plans Section 125 of the Internal Revenue Code permits an employer to establish a plan allowing employees to pay for certain expenses on a pretax basis. Expenses may include such items as group insurance premiums, dependent care, and medical reimbursement coverage. The tax consequences for both the employer and employee are significant. The contributions made by an employee through salary reduction are not subject to local, state, or federal income taxation, or to social security contributions by the employee or the employer. Our services include:
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