Featured Services
Our highly trained and specialized Health & Benefits Advocates possess an intricate understanding of priorities held by Financial Executives, HR Directors, and Benefits Administrators for benefits procurement, talent acquisiton, workforce management, and compliance with state and federal regulations.
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Integrated Consulting
Streamlining health, benefits, and workforce management, retirement plans, and compliance consulting with corporate property & casualty for a holistic, centralized insurance solution.
Data Utilization
Helping your leadership team make the right decisions faster by utilizing the right business intelligence and analytics tools to forecast trends, analyze patterns, and act on actionable insights.
Risk Management
Building continuity and resilience for organizations through a unique mix of people, processes, and technology to avoid business interruptions through customized loss control strategies.
Retirement Planning
Position your employees for a secure financial future with customizable retirement options.
- Simplified Employee Pension Plans
- Fiduciary Liability Compliance
- Audit Management and Oversight
- Executive Compensation Plans
- Financial Consulting for Individuals
- Guidance to Improve Plan Participation
- Member Education & Enrollment
- Profit-Sharing Plans
- Stock Option Plans
- 401(k), 403(b), 457(a) Plans
Custom Plans
We understand that your employees are in different stages in their careers, so we custom design plans tailored to their financial flexibility and retirement goals.
Audit Prepared
Our financial advisors provide regulatory consulting and oversight on all aspects of your retirement plans so you can focus on the real priorities and enjoy peace of mind.
Maximize Savings
We consult you towards your bottom line within your budget, provide strategies to protect your retirement in the long-term, and help you maximize 401(k) savings.
Smarter Benefits, Stronger Businesses
Employee Benefits Risk Management (EBRM)
We understand that managing employee benefits is a complex challenge with far-reaching implications for your business. From rising healthcare costs to fiduciary
responsibilities, our year-round loss control services are designed to protect your organization from financial, legal, and compliance risks so you can thrive.
The Risks That Could Be Costing You
From natural disasters to liability exposures, we provide strategic solutions that protect your property, family, and financial security. Our tailored strategies address six key areas of risk:
Containing Rising Healthcare Costs
- Benchmark your medical, vision, and dental plans against competitors to remain competitive in recruiting and retaining top talent.
- Identify the root causes of rising costs, such as high utilization, prescription trends, and chronic health issues, and implement targeted strategies to reduce claims.
Businesses that implement tailored cost-containment strategies can reduce healthcare expenses by 15% - 20% annually (Oxford Academic).
Non-Compliant Retirement Plans
- Ensure retirement plans meet all Department of Labor (DOL) and IRS requirements, avoiding costly penalties and ensuring employee satisfaction.
- Implement ongoing audits and consulting services to identify and resolve compliance gaps.
Each year, 26% of traditional 401(k) plans without automatic enrollment fail the ADP test, resulting in expensive corrections and compliance challenges. (ASPPA).
Administrative and Fiduciary Risk
- Protect your organization from legal exposure by outsourcing administrative functions and fiduciary responsibilities to trusted experts.
- Simplify enrollment, compliance reporting, and ongoing plan management with technology-enabled solutions.
Failing to meet fiduciary responsibilities, such as providing required documents, can lead to fines of up to $1,000 per day per violation (DOL).
Legal and Compliance Challenges
- Stay ahead of ever-changing regulatory requirements for employee benefits, including ACA, ERISA, and HIPAA.
- Implement proactive compliance strategies to reduce liability and ensure peace of mind.
Failure to provide required ERISA disclosures is $2,367 per day (DOL).
Inadequate Plan Design
- Optimize your benefits offerings to meet the unique needs of your workforce while controlling costs.
- Leverage our consulting services to design comprehensive plans that balance affordability and employee satisfaction.
72% of U.S. employees prefer to stay with employers offering well-structured benefits, emphasizing the link between retention and comprehensive plans (Willis Towers Watson).
Simplifying Benefits Risk Management in Three Steps
Sahouri’s Employee Benefits Risk Management approach combines expertise and technology to deliver practical solutions that protect your business and your people.
Risk Identification and Mitigation
- Identify inefficiencies, compliance risks, and cost drivers through tailored audits and reviews through our rigorous loss control measures.
- Example: Spotting over-utilized services and adjusting operational plan designs to optimize coverage and cost.
Data Analytics & Insights
- Leverage real-time analytics to make informed decisions and ensure your benefits investment is delivering measurable ROI.
- Example: Using data analytics to pinpoint cost savings opportunities in underutilized employee wellness programs.
Education & Training
- Provide employees with the tools and resources to better understand their benefits, increasing satisfaction and reducing unnecessary claims.
- Example: Hosting workshops and training on health plan utilization to maximize coverage and minimize costs.
Sahouri Insurance
More Than Insurance—A
Partnership for Success
With over 50 years of experience, Sahouri Insurance delivers tailored strategies to reduce risks, cut costs, and stay compliant. Our proactive approach combines expert guidance, real-time analytics, and dedicated service to ensure your business and workforce thrive.
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What our Guests
are Saying
Since 1970, we have treated our clients as Guests worthy of the highest levels of attention and care. Our client centric consulting approach and organizational processes are carefully designed to help us understand and address their unique needs so we can Advocate on their behalf.
We have enjoyed impeccable cooperation with Sahouri for over 15 years, no one can replace their remarkable service. I strongly recommend them to all Diplomatic Missions and my friends."
Diplomatic Mission
Ambassador
Today's ever-changing environment makes it difficult to know what the "right" type and amount of coverage is. Working with Sahouri has taken the guesswork out of this equation!
Government Contractor
CEO
The rarest of insurance executives, they understand client needs and negotiate on your behalf. Highly recommend Sahouri to anyone interested in protecting all aspects of their lives.
Technology Company
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Steadfast, diligent, tenacious in securing the appropriate coverage for us. Needless to say, they are community association insurance experts! Your kindness and direction is a gold mine.
Organization of Homeowners Association
President
Their advisers take the time to understand our needs, align them with the appropriate insurance carriers, and then negotiate the most cost-effective and comprehensive insurance solutions available in the market on our behalf.
Mid-Market Business
President & CEO
I've worked with many insurance brokers over the past 35 years, Sahouri's service is exceptional, without peer. They deliver the highest quality products at a competitive price.
CFO, Multinational Corporation
Executive & Vice PresidentNational & Global Reach
Through our domestic and international partnerships, we provide benefits and insurance solutions for organizations in the United States and in more than 15 countries.
