As a senior expert advisor I have established industry knowledge and contacts built over many years of hands on experience. My reputation is based upon successful client engagements and collaboration in a wide range of industries. I will help you to get things done: better, faster and less expensively.
About Steve
In 2019 - following many years in the corporate sector working with some of the largest brokerage and consulting firms in the United States, Steven J. Schloss started his own Independent Consulting Firm - Schloss Health & Benefits Consulting LLC. The objective of the firm is to provide independent advice to employers with 100% of focus being on them. In order to accomplish this, the firm prefers to work on a fee basis and will not accept carrier or broker over-rides, bonus or any incentives to place business with one vendor versus another. The firm is happy to work with clients existing agents, brokers, or carriers. In order to make working with Schloss Health and Benefits Consulting as easy as possible the firm provides the following:
All work is confidential and reporting is only done to clients
All work is guaranteed “high value”
All work is documented, including detailed financial, coverage or compliance reviews
SHBC has proprietary financial calculators to improve transparency, document rates and help with negotiations
SHBC has affiliations with several other best in class professional firms
Steve is a Certified Insurance Consultant | CEBS | CLU | CHFC and has been a teacher for SHRM.
Steve started his insurance career with Hartford Insurance as an underwriter in becoming proficient in benefits pricing and finance. After several years of learning the financial and technical details of the health and benefits business Steve worked as a carrier representative collaborating with agents, brokers and clients to use Hartford Insurance products. In the mid 1980’s Steve became a consultant working with several National firms over the next 30+ years including: Marsh & McLennan -Managing Director, | Mercer - World Wide Partner | Bank of America - New England Practice Leader | USI - New England Practice Leader | Fidelity Investments - Large Employer Benefits Consultant.
The strength of the firm is Steve’s financial background. He and has created financial modeling tools for prospective rate setting, retrospective accounting, benchmarking and contribution modeling. Steve has worked with hundreds of clients over past 30 years including, Fortune 100 companies, healthcare systems and hospitals, not-for-profit employer groups, municipal clients, private employers and entrepreneurs.
Throughout his career Steve has recognized that all elements of health and benefits plans both work together and are impacted by each other. Essentially, health and benefits is an ecosystem and non-static. Therefore, plans that Steve develops in collaboration with clients are built for today but flexible enough to change along with the market. If you want to hit a moving target, you need a dynamic program.
Steve believes that it is critical to put clients first and foremost, which means being accountable to them. He is happy to work directly with clients or with their current broker / advisor if that is more appropriate. He provides his clients an industry leading “In Your Opinion” performance guarantee which states there will be no bill unless the client feels that value was provided from his advisor services.