• HR Support

    Consider our experts as an extension of your human resources team.
  • Plan management

    We'll help ensure efficient, knowledgeable delivery of benefits programs to your participants, while proactively working for long-term financial viability.

    Find out more about benefits planning

    We also provide day-to-day plan management and strategic planning initiatives, including:

    • Customized benefit manuals and financial reports
    • Help with claims
    • Completion of employee benefit surveys
    • Educational seminars
    • Additional support such as customized communications materials, end-of-year benefit statements, plan summaries and other educational material

    We also collaborate with a select group of other service providers with experience in providing ancillary plan management services, including:

    • ERISA and employment law attorneys
    • Claims auditors
    • Prescription drug consultants
    • Employee communications experts
    • COBRA and Flex administrators


    You need a reliable partner to deal with the continual changes in the regulatory landscape. We’ll help keep you compliant and ahead of changes in state and federal requirements.

    We can review:

    • Plan documents
    • Employee communications
    • Policies and procedures

    Count on us for assistance with annual and enrollment period requirements, such as:

    • IRS Form 5500 preparation
    • Compliance audits
    • Wrap documents

    We can even help you track and analyze the cost of compliance — so you can proactively respond to the cost impacts of health care reform or other developments.

  • For more information, contact one of our office locations.

    Looking for a new way to offer health benefits to your employees? Explore how First Niagara Benefits Exchange, a private health insurance exchange, can help.

    Learn More

Risk management, benefits consulting services and insurance products are offered through First Niagara Risk Management, Inc., doing business as First Niagara Benefits Consulting, a wholly-owned subsidiary of First Niagara Bank, N.A., and a licensed insurance broker and agent. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.


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