Our Services

For more than 20 years, KTP has helped employers provide high-quality retiree health benefits at costs consistently below national averages. Our success comes from a disciplined, daily focus on the main drivers of retiree benefit expenses and spotting opportunities for continuous improvement. We work closely with each client to understand their culture, strategic goals, risk tolerance, funding preferences, and contractual commitments, enabling us to develop and implement solutions that align with each organization’s unique objectives.

We work with a trusted network of strategic partners to provide specialized expertise in ERISA law, actuarial analysis, prescription drug audits, data analytics, and benefit plan administration. Our clients gain from a knowledgeable, dedicated team focused on one goal: delivering cost-effective, compliant, and sustainable retiree health benefits.

Advisory Services

  • Our advisory support helps clients navigate a complex and changing retiree health landscape while aligning benefit strategies with organizational goals.

  • Our advisory services include:

    • Strategic planning for retiree health benefits

    • Short- and long-term cost forecasting and modeling

    • Guidance on funding strategies, risk tolerance, and plan sustainability

    • Regulatory and compliance insight (ERISA, Medicare, and emerging rules)

    • Analysis of market trends, plan performance, and cost-saving opportunities

    • Recommendations tailored to each client’s structure, goals, and constraints

    We act as a strategic partner, making sure decisions are informed, compliant, and focused on long-term value.

Plan Management

  • KTP offers practical plan design, evaluation, and performance management to help clients sustain high-quality, cost-effective benefits year after year.

  • Our plan management services include:

    • Plan design, evaluation, and optimization

    • Vendor and carrier selection, negotiation, and implementation

    • Annual performance reviews and experience analysis

    • Claims reporting and financial monitoring

    • Actuarial collaboration for pricing, eligibility, and forecasting

    • Ongoing plan adjustments to align with business objectives and regulatory changes

    Our approach ensures your plans remain competitive, efficient, and aligned with your retirees’ needs.

Administrative Support

  • We coordinate with trusted administrative partners to provide seamless day-to-day support and ensure operational stability for retiree benefit programs.

  • Administrative services include:

    • HRA, COBRA, and Flexible Spending Account administration

    • Prescription drug consulting and claims audit support

    • Employee and retiree communications

    • Data analytics and reporting

    • Coordination with ERISA and employment law attorneys

    • Collaboration with accountants, actuaries, and benefit advisors

    This integrated model provides a solid administrative foundation, easing the workload for HR teams and improving the retiree experience.

Contact us.

If you have questions or would like more information about our services, please contact:
Nicole Allen – nallen@ktpadvisors.com