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Administrative Services

Take control of your benefits spending with an Administrative Services Only (ASO) plan designed for flexibility and cost-efficiency. Unlike traditional insurance, ASO lets you self-fund health and dental claims while we handle the admin, claims processing, and reporting. You only pay for what your employees use—no inflated premiums, no surprises. Perfect for companies that want greater transparency and smarter budgeting without sacrificing employee coverage.

Our expert team builds custom ASO strategies that align with your goals and grow with your business. Get the coverage you need and the savings you want. Let’s design a plan that puts you in charge. Speak with an expert and contact us at 905-850-5267 for a free quote.

Administrative Services Only

fees based on claim
Fees Based On Claims Paid

Your fees and taxes are calculated based on the actual claims paid, whereas with traditionally funded plans you pay taxes and fees based on your overall premiums paid.

Lower Administration Costs

With an ASO plan, the administration fee percentage is typically lower than traditionally funded programs which equate to bottom-line savings for your business.

Endless Plan Design Options

ASO plans carry an immense amount of flexibility which allows for tailoring of deductibles, co-insurance, covered benefits and exclusions to perfectly fit the needs of your employees.

FAQs

Yes – companies who are looking to go ASO need to be comfortable with ebbs and flows in monthly costs as it pertains to health and dental claims. Claim amounts can fluctuate from month to month so a business that wants to explore implementing an ASO plan should have a comfortable level of cash flow.

No. This is a common misconception in the industry, however, an ASO plan doesn’t carry any more risk than traditionally funded programs. With an ASO program, you will still have a plan design in place that has limitations surrounding what can be claimed and how much – the only difference is that the company is paying the claims directly rather than the insurance carrier reimbursing the claims from premiums paid. Furthermore, companies who choose to go ASO are well established and have had benefits in place for some time. This provides a healthy history of claims experience to look back on which can help to guide an expectation for ongoing costs.

One of the benefits of an ASO model is that your fees and taxes are paid based on the actual claims paid, whereas with traditionally funded plans you pay taxes and fees based on your premiums paid, and the fee percentage is typically lower with ASO than with traditionally funded programs.

An ASO plan also has incredible flexibility when it comes to creating a plan that truly meets the needs of your business and your employees.

In an ASO plan, the employer can enjoy the advantages and savings in a few ways. The first of which is a favourable claims experience. From the perspective of a traditionally funded program, when the claims experience is better than anticipated, those savings are profit for the insurance company. In an ASO model, a favourable claims experience is realized in cost savings for the company.

Additionally, because the administrative fees of an ASO plan come at a lower cost than a traditionally funded model, the company will experience cost savings in this area as well.

Strategic Benefits

Boosting business with our help

Our goal

To ensure your customized benefits plan meets your needs.

Custom benefits

Custom plans so sharp, they cut costs without cutting care.

Easy implementation

Set it and forget it—smooth benefits, zero headaches.

Employee loyalty

The best talent stays where the best benefits are—make it yours.

Services

group benefits
Group Benefits

Protect your team with top-tier health, dental & disability coverage. Boost morale & retention today!

corporate insurance
Corporate Insurance

Protect your team with top-tier health, dental & disability coverage. Boost morale & retention today!

Group RSPs

Help employees save for tomorrow with Group RSPs. Boost financial wellness & loyalty. Book a call today!

Retiree Benefits

Retirement shouldn’t mean losing benefits. Custom retiree health plans for peace of mind. Get free quote!

Customers Reviews

Why clients choose us

Their innovative approach and insightful recommendations helped us streamline operations and boost profitability within just a few months.

Sarah Green

Sarah Green

PR Manager

The consulting team’s expertise transformed our strategy, driving growth and efficiency across all departments in record time.

Sam Smith

Sam Smith

Sales Manager

Thanks to their guidance, our business achieved measurable results, with improved processes and stronger financial performance.

Nick Carter

Nick Carter

Business Coach
Questions & Answers

FAQs

The most popular benefits include: Health and dental insurance (prescription drugs, vision care, paramedical services); Life and disability insurance (short-term/long-term disability, critical illness coverage); Retirement savings plans (Group RRSPs, pension matching); Wellness programs (mental health support, gym memberships, employee assistance programs).
Costs vary based on coverage levels, group size, and provider. On average, small businesses spend $1,500–$4,000 per employee annually. Customizable plans allow you to control costs while meeting employee needs.
Yes! Employer-paid premiums are tax-deductible as business expenses. Employees also enjoy tax-free health benefits (up to certain limits), and contributions to retirement plans may be tax-deferred.
Yes! Studies show that 80% of employees value benefits over a pay raise. Competitive packages reduce turnover, attract talent, and boost morale—key for small businesses competing with larger firms.

Absolutely. Many providers offer scalable group plans tailored for small teams. Pooled plans (where multiple small businesses join together) can also reduce costs while maintaining quality coverage.

Group Benefits For Small Business