The Richards Group is one of Vermont's and New England's top retirement and fiduciary advisors

Our 360 Degree Employee Benefits

We focus our attention to meet each individual customer need.  Unlike our competitors, we engage with every client differently and engage uniquely.  Always in a multi-year planning process with the flexibility to meet business and compliance changes, our clients enjoy creative and unique solutions.  These solutions vary from traditional to the most cutting-edge services.  Fearless to embrace change and stay current our clients enjoy a partnership and trust our navigation.


With a high-touch and low client-to-executive team ratio we’re able to treat each customer as a big fish in a big pond.  Using a consistent framework, our advisors are supported and empowered to find the fit for each client regardless of size, scope or location(s).  With 143 Partner Firms under our United Benefits Advisors umbrella we have un-matched access, pricing and expertise in our space.  We lead as experts in each area of our strategy:

  • Risk Management
  • Data Management Solutions
  • Worksite Wellness
  • ACA Compliance
  • Employee Engagement
  • Benefits Administration and Payroll Solutions
  • Human Resources
  • Leadership
Our Team

Our Team

Press Releases

Press Releases

Employee Benefits Blog

Employee Benefits Blog

Our advisors offer a complete range of employee benefit solutions, as well as a comprehensive portfolio of valuable tools, resources, and services, including:

  • Customized Employee Benefits Web site design and Document Library

  • Daily Benefits and HR Updates, Legislative Guides, Document Center and Links Library

  • Web-based Employee Enrollment Systems

  • Analysis of Medical Stop-Loss and Reserve Calculations

  • Health Claims Projection and Forecasting Analysis

  • Pharmacy Benefits Manager Expertise

  • HIPAA Privacy Compliance Solutions

  • Web-based Employment Law Training for Supervisors and Managers

  • Strategic relationships to administer FSA, HRA, HSA and COBRA

  • Captive Stop Loss arrangements

  • Work site Marketing Programs and Voluntary Product Placement

  • Employee communications strategies

  • Cafeteria Plan Pricing& Development

  • Defined Contribution Employee Benefits

  • Consultative and Strategic Total Compensation Analysis: Salary, Benefits and Retirement Plan

  • Green Mountain Care Analysis

  • PPACA Audit

  • Pay or Play Analysis

  • Cadillac Tax Forecasting

  • Actuarial Value Modeling

  • Employee Benefit and Cost Benchmarking

  • HIPAA Compliance Audits

  • Payroll System and Benefits Administration System RFP support and analysis

  • Benefits Pricing Evaluation and Plan Cost Forecasting

  • Healthcare Cost Containment Strategies

  • Brokerage of employee benefits, including health, life, disability, long- term care, dental, vision and qualified retirement plans