International Compensation and Group Employee Benefit Specialists

Watermark Benefit Consulting Inc.

Watermark Benefit Consulting Inc.HOW WATERMARK BENEFIT SPECIALISTS WILL MAKE A POSITIVE REFLECTION ON YOUR CORPORATION:

We are more then just a team of insurance brokers, we are benefit solution providers.

When It comes to prescribing the most comprehensive employee health benefits at the lowest possible cost, the Watermark Benefit Consulting team are seasoned savings specialists who understand what’s best for you and your employees.

Our mission is to help owners of Canadian businesses develop leading edge health and dental benefit plans. Theses innovative solutions will help prevent costs from spiraling out of control, as is the case for so many companies today.

Over the years, Watermark has cared for, maintained and treated group cases suffering chronic symptoms like excessive renewal rate increases despite favorable claims experience. We apply independent financial tests to formally evaluate health benefit plans, and then resuscitate and rehabilitate our client’ group health coverage.

Watermark Benefit’s are professional international employee benefit consultants. We're the right choice for international companies looking to implement, review or redesign their benefits.

Choosing the right employee benefits for your business is often vital for its future. The right benefits will attract and

retain good quality employees.

Employee Benefits International | Domestic

We provide our clients with superior benefit advice and brokerage services. Working together in a seamless way to understand your business, culture, and values, we assist in designing, communicating, and implementing benefits programs based on their business needs, both globally and locally. Watermarks Benefits Practice provides consulting service on a broad range of specialized services.

We provide consulting advice in the following areas:

Plan Design. Review of current plan design . Recommend Best Practices and plan Benchmarking . Advise and recommend specific benefit strategies that meet your employee and corporate needs . Recommend options for all benefit programs. Review of contractual provisions . Review tax status of programs . Recommendations to efficient cost sharing arrangements. Merger and Acquisition Consulting

Benefit Plan Marketing. Preparation of RFP . Conduct Benefit Plan marketing. Analyze proposals. Vendor recommendation

Financial Review . Review financial agreements and costs. Evaluate financial performance including; cost, design and setup . Recommend alternate financial arrangements

Employee Communications & Plan Administration . Assist in plan implementation including:. Development of enrollment materials, including customized letters and forms. Design employee surveys and moderate focus groups. Design employee communication packages . Corporate, Government & Legislative Compliance . Provide consulting assistance with federal, provincial and regulatory compliance issues

Product advice on: . Private medical insurance . Income protection (disability) insurance . Critical illness . Health, dental programs. Long term care . EFAP

Compensation Executive | Directors

Overview Watermark Consulting offers a full complement of consulting services to assist companies in the design, implementation and support of Total Rewards programs that help attract, retain, motivate and reward executives, employees and Directors. We work with executives, compensation committees and boards on these matters. Watermark conducts custom salary surveys for organizations and Associations alike.

EXECUTIVE COMPENSATION

Watermark Group helps organizations by designing executive rewards programs that motivate business leaders to achieve outstanding business results.The issue has never been more critical as companies strive to attract motivate and retain their top talent. We help our clients by creating executive rewards programs that are based on fair and objective measures.

Customized Compensation Reviews Watermark conducts custom executive compensation review that can help your company determine the competitiveness of your executive total rewards program. These reviews are essential to recruit and retain qualified executives. Surveys can be conducted to detail information about total compensation including: competitive salary, short term, long-term incentive and perquisites. This analysis can be used as the basis for an annual compensation review or used as a tool to set total remuneration when hiring executives.

We assist our clients with the following:. Executive Compensation Review- Annual and forensic reviews. Short and Long-Term Incentive Plan Design, stock option and performance plans . Executive Perquisites plan consulting . Ad Hoc Plans- including retention and recruiting strategies. Total pay philosophy - Assist in the set up Compensation philosophy and guiding principles . Executive Succession planning

DIRECTORS COMPENSATION Changes in the regulatory environment including Canadian Securities Administrators disclosure practices and filing requirements and Sarbanes-Oxley Act provide a tremendous amount of increased director liability. These new disclosure requirements heighten the need for competent directors and their need to be much more involved with the oversight of company affairs. Directors Compensation plays a critical role in the attraction, retention and the motivation of talented directors. We will help you design a plan so that highly qualified directors are attracted to your organization and assist with the demanding responsibilities that are required of them. We help companies and boards design and implement a wide range of director total reward programs including cash compensation and stock-based incentives. Watermark Human Capital can help your organization by designing a Directors rewards programs that motivate business leaders to achieve outstanding business results.

Director Total Rewards. Board compensation review . Committee compensation review. Board and Committee Chair compensation . Director equity programs . Equity ownership opportunities and requirements. Committee Charters . Committee policies and procedures . Compliance assistance . Conduct periodical review of directors compensation programs

Pension Consulting Actuarial | Investments Pension SAVINGS AND RETIREMENT PLANS

Are you Compliant with the new regulations?In most jurisdictions, plan fiduciaries are considered investment experts. Without a sound due diligence and investment process, plan fiduciaries may be held liable for poor investment returns.

WATERMARK EXPERTS PROVIDE HIGHLY SPECIALIZED PENSION AND INVESTMENT CONSULTING SERVICES IN THE FOLLOWING AREAS: . Review existing or proposed plans to insure that programs meet desired goals and objectives. . Develop retirement strategies . Plan Document Maintenance and Composition. Review and/or Creation of Investment Policy Statement . Assistance in maintaining your compliance. Act as Trustees . Vendor selection. Member communication. Employee information sessions and workshops - local or onsite. Plan setup and government registration. Investment benchmarking . Investment manager search. Investment fund review including; Pooled, Segregated and Mutual fund* review. Wealth Management - Private Client services

* Licensed through Quadrus Investment Services Ltd.

Watermark Benefit Consulting Inc.Unhealthy Renewal Rate Increases

Your are acting responsibility with your group plan, yet you still revieve an unfair premium rate increase. We are independent brokers who work with many financial institutions, we can provide competitive solutions which include amended insurance benefits, health spending accounts, flex and enhanced benefits and ASO (Administrative Services Only) plans to name just a few. Let us be your insurance advocates. Our job is to act on your behalf when we negotiate with insurance companies to ensure that you receive the best possible deal for your plan.

Benefit Expense Anxiety

Even if you are fairly happy with you current group health benefit plan and producer, you may be uncertain as to whether they are providing useful knowledge and direction for maximum value of your hard-earned dollars. After a brief consultation with one of our specialists, you will learn how you can save money while maintaining or improving your current coverage and overall policy.

Loss of Skilled Employees

Health benefits are a key reason why employees may choose to work for a company initially, we understand you need to have a competing benefit plan to attract, maintain and incent your most valued employees. Even in a slower economy, group health benefits are still essential for retaining skilled and experienced employees.

Fear of the Unknown

Small and even large businesses don’t necessarily have time to research the latest benefit plan designs and they need someone with provider relationships to do this work for you as a minimum. That’s what we do, we work extremely hard for our clients. Watermark has developed a unique set of benefit plans sourced from experience that can be customized to meet the budgetary needs of our clients today and in the future.

WHAT WE PRESCRIBE

With Watermark, you’re in complete control when you chose a course of treatment for your employee benefit plan.

Comprehensive Diagnosis & Prescribed Solution. When you are ready to see one of our specialist, you will enjoy a thorough employee benefit plan examination ,a professional diagnosis, along with a clear prescription for the most effective benefit solution for our unique ailment. We are independent professionals, that is, we specialize in working with all group health benefit providers and not just one insurance company big or small.

That means that we can take your group health plan out to an increasingly completive marketplace where health benefit providers will aggressively bid for your business. We will come back to your with a full proposal based on all insurance company bids. Our cost savings specialists will help your choose from those insurers willing to offer you the best benefit package at the lowest possible price.

To begin the cost savings solution, we need to first define the problem.

Albert Einstein once said:

“If I had an hour to save the world, I would spend 59 minutes defining the problem and one minute finding solutions.”

How We Formulate Benefit Solutions

The success of our professional relationships does rely on our client telling us exactly where their group health benefit plan hurts. That way, our specialists can prescribe the appropriate therapy for your health and wellness coverage. Watermark keeps all client information strictly confidential.

To complete our cost savings proposal for you, we will need some information on your business and employees. For a description of the information that we will require, complete our request to quote form.

Watermark Benefit Consulting Inc.When Should You Contact Us

Before you get that heart-stopping Employee Health Benefits renewal letter, make an appointment now to get a check-up from one of our cost savings specialists.

Insurance companies often make you wait until the last minute to push thorough double-digit premium rate increases based on their padded expense factors.

Give yourself enough time for and immunization against unhealthy renewal rate increase by contacting one of our cost savings specialist today.

Watermark Benefit Consulting Inc.HOW TO CONTACT OUR FIRM

You will receive reliable, old-fashioned service when you speak directly to our representatives by calling 1-403-266-5509 or Toll Free at 1-877-251-6801.

Or visit our firm online at www.watermarkbenefits.com

To reach our firm at all aspects please feel free:

Watermark Human Capital Consulting Inc.

Calgary Head OfficeSuite 202, 1117 – 1 Street SW

Calgary, Alberta T2R 0T9Telephone: 403-266-5509

Fax: 403-266-5185

Toronto Office

Telephone: 416-644-0426

Watermark Benefit Consulting Inc.Suite 202, 1117 – 1st Street SW Calgary, Alberta T2R 0T9

T: 403-266-5509 TF: 1-877-251-6801 F: 403-266-5185www.watermarkbenefits.com

Watermark Benefit Consulting Inc. Provides:

Employee Benefit Consulting, International Consulting, Investment Savings & Retirement, Executive Benefits, Executive

Compensation, Corporate & Board Governance