Employee Benefits

At Harden, we work closely with employers to support the complex objectives of employee benefits.

We provide valuable insight into the strategies needed to pursue improving the economic security and well-being of employees and, in doing so, support improved employee retention, administrative efficiency, and profitability.

Our highly skilled process also provides solutions to support regulatory, compliance, and administrative issues, including healthcare reform. The depth and knowledge of our support teams provide clients with greater assistance in the management of benefit plans, allowing human resources and employee benefit staffs the ability to stay focused on their highest priorities.

Retirement Disclosure Statement

The information published on this web page applies to residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance department at 512-697-6000.

Gallagher Benefit Services, Inc., a wholly owned subsidiary of Arthur J. Gallagher & Co., is a non-investment firm that provides employee benefit and retirement plan consulting services to employers. Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Not all individuals of Gallagher are registered to offer securities through Kestra IS or investment advisory services through Kestra AS. Kestra IS and Kestra AS are not affiliated with Arthur J. Gallagher & Co. or Gallagher Benefit Services, Inc. Neither Kestra IS, Kestra AS, Arthur J. Gallagher & Co., their affiliates or representatives provide accounting, legal or tax advice.

Investor disclosures https://bit.ly/KF-Disclosures




Harden supports a robust platform of potential services designed to help employers navigate increasing employee demands for benefits, escalating coverage costs, increased service requirements, and strict government reporting compliance.

Health & Welfare Program Design and Services

Our team of technical experts provide a broad spectrum of employee benefits services to support your benefits program and produce measurable results. These services include program analysis, risk identification, alternative financing evaluation, plan design analysis, plan procurement, program implementation, and program management/service advocacy.

Retirement Program Design and Services

Our financial professionals conduct independent plan reviews that aid the plan sponsor in evaluating the plan design, service providers, investment options, and expenses. Fiduciary compliance assistance, market analysis, plan administration facilitation, plan performance review, fee analysis and benchmarking, and employee education are all inclusive of our ongoing services. We act as the day-to-day resource for questions and service needs to the plan trustees and their employees, creating a synergy among all parties involved.

Employee Education and Communication

Employee education and communication is an important component of overall benefit strategy. Harden customizes open-enrollment communications to promote effective education and utilization.

Data Analytics and Cost Management

Data analytics drills down to reveal underlying issues and model the potential financial impact of changes while often uncovering hidden problems.  The analytics include program performance metrics such as gap analysis, predictive modeling, Identification of cost drivers and plan design mitigation, underwriting/actuarial analysis, and benchmarking.

Regulatory Compliance

Harden is equipped to provide tools and resources to help our clients meet their ever-changing compliance obligations. Harden Comply, a Benefit Compliance Self Check, is a powerful web-based tool that assesses an employee’s compliance with benefits’ rules. Compliance services include federal legislation briefs, state specific compliance materials, 5500 and summary annual report preparation, wrap documents, support for ERISA, COBRA, HIPPAA and section 125 administration and compliance, fiduciary compliance, healthcare reform and ACA support including evaluation variable hour tracking and automated 1094 and 1095 reporting capabilities.

Wellness Programs

Harden understands how important wellness is to both employers and employees. Harden utilizes corporate wellness programs as a business strategy with the objectives of improving the health and well-being of employees, reducing the prevalence of hidden health risk, increasing productivity, and reducing long-term healthcare trend costs.

Benefits Administration Systems

Harden Navigator, our integrated benefits administration tool, provides the technology to give our clients’ employees a simple, modern enrollment experience without the headaches of paper. A web-based system offered to our clients, Navigator provides employees with a self-service enrollment and an employer onboarding system. Harden Navigator provides a centralized database and employee portal that improves communication and streamlines management of benefits administration.

COBRA Administration

Harden will help you develop a COBRA solution that accommodates individual needs and promotes compliance. By leveraging our industry knowledge and technology, we will guide you from vendor selection, through implementation and evaluate the quality of ongoing service.

Human Resources (HR) Support

Harden provides access to expert HR advice and answers to complex HR questions with a full complement of resources that includes: direct access to national and regional HR consultants; a dynamic library of HR forms and policy templates; and on demand training modules for both management and employees on a broad spectrum of HR topics.

HR Legal Resources

Harden partners with highly reliable and trusted legal experts. With our network of legal partners, we provide seamless guidance to our clients most complex concerns whether it be related to ERISA or employment practices.

Actuarial Consulting

Harden’s Actuarial Services provide Minimum Actuarial Value analysis for health plans, including COBRA Rate Certification for HRAs and self-funded plans, IBNR Reserve Calculations, Self-Funding Feasibility Studies, and Renewal Analysis for fully insured plans.


The Employee Benefits Division assists employers with managing several complex issues.

Medical Insurance
Group Medical Insurance
Group Life Insurance
Qualified Plans
Non-Qualified Plans
Vision Insurance
Dental Insurance
Voluntary Benefits
Group Disability Insurance
Employee Assistance Programs (EAP)
Captives/Self-Insured Programs
Professional Employer Organizations (PEOs)
Corporate Funded Life/Disability Insurance
Investment Products
Questions About How Harden Fits You?

Because we're accustomed to understanding the unique needs of our clients, we can offer very focused answers to your questions. Please feel free to contact us.

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