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 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.
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Services

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

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

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

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

Nick Carter

FAQs
What types of employee benefits are most common for small businesses in Canada?
How much do employee benefit plans typically cost?
Are there tax advantages to offering employee benefits?
Do benefits really help with employee retention?
Can small businesses with fewer than 10 employees get affordable benefits?
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.