Employee Benefits | Lloyd Sadd
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Employee Benefits

Lloyd Sadd Benefits is an independent, professional, creative consulting resource that offers industry-leading products and services. We span the gap between traditional benefit arrangements and self-funding, flexible benefit arrangements and third-party administration.

We take pride in our independence and the excellent relationships we have formed with insurance providers. The breadth of insurance providers we know and work with enables us to offer competitive rates and coverage for complex insurance exposures.

Group Benefit Plan Design, Implementation & Management

Comprehensive Group Benefits Planning & Consulting

Effective benefit planning begins with understanding your organization’s situation, identifying your goals and objectives, and developing a road map for meeting these. Your Group Benefit Advisor plays a fundamental role in helping you ensure the long-term sustainability of your most precious resource: your people. The benefits landscape is rapidly changing, and you can rely on your advisor for subjective knowledge and objective data to analyze your plan. Lloyd Sadd remains independent from any insurance company and provides a safeguard for the ethical placement of coverage with the provider demonstrating the best fit for your company.

Our Approach To Group Benefits Plans

Benefit plans must fit both parties with respect to needs, expectations, and budget. We are able to provide in-depth expertise and insights relevant to industry perspectives.


We are tasked with:

  • Providing expert guidance on the group benefits marketplace.
  • Comparing strengths and weaknesses between insurers.
  • Identifying marketplace trends in group benefits.
  • Identifying changes in the legislative framework, which may affect your benefits.

Our commitment to you:

  • Provide advocacy for you and your employees
  • Increase employees’ perceived value of your group benefit plans.
  • Our advice will help you address challenges and capture opportunities while managing expectations surrounding cost, service and deliverables.

Executive Benefits and Compensation Strategies


Employee meetings, employee communication pieces, and awareness studies.


Competitive and cost-efficient solutions for international employee benefits. Lloyd Sadd offers optimized protection while safeguarding the continuity of your business.


Secure benefit plans, even for firms that have only one employee outside Canada.


Administrative-only agreements, refund accounting, health care spending accounts, flexible benefit strategies, and health and welfare trust solutions for organizations of any size.


Regular claim reports, plan utilization by benefit, normative data comparison, trend projection, and cost containment strategies.


A voice for your business in discussions with insurance companies. We troubleshoot, handle, and ensure exceptional resolution of claims.


Preparation of benefit plan specifications/deviations for submission to the insurer marketplace and detailed analyses of all insurance carrier responses in the form of a concise report with recommendations.


Rate comparisons, reviews of carriers’ reserve and retention charges (if applicable), and plan design alternatives.