Harper Resources, LLC delivers Employee Cost Solutions to small and mid-sized businesses from 75 to 5000 employees designed to save you money and increase your return on employee investment.

Medical Actuaries are the highest level of expertise available in the area of medical plan design and cost control, and are generally affordable to only the very largest companies.

Our unique arrangement makes these sophisticated actuarial services available to your company at costs comparable to those you are currently paying your Broker /Insurer.

Actuarial consultants can accurately and reliably calculate specific employee health care plan risk, based on their extensive health data on more than 13 million lives, and the specific census data of your employee population.

Brokers and Insurers price plans for their profitability, not your employee cost control.
Incorrectly priced plans promote adverse selection resulting in higher plan costs to employers.

Plan sponsors rely on insurers to calculate IBNR reserves.
Our actuarial consultants calculate IBNR reserves for your renewal and expense booking purposes. You get unparalleled expertise in accurately calculating IBNR expenses for budgeting and inclusion with your financial statements.

Most companies pay for excessive stop loss coverage.

•  Actuarial plan analysis is based on your unique employee  population, with its own unique health risk profile.
  
•  Actuarial plan analysis calculates your specific probabilities of  loss, taking the guesswork out of stop loss calculations.
  
•  Actuarial plan analysis also calculates the probability of your  actual use of specific and aggregate stop loss coverage.
  
•  Understanding actual probability of risk can significantly lower  your stop loss premiums, saving you money!
  
•  You only pay for the stop loss coverage you actually need.

Harper Resources, LLC founded locally in 1997, is owned and operated by experienced, senior level
HR professionals, who have actively practiced Human Resources management for Fortune 500
companies, and who are committed to delivering exceptional business value through the
integration of third party technology applications and Web enabled services to small
to mid-sized business from 75 to 5000 employees.