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Municipal government in Greene County, Ohio, with approximately 350 full-time employees. Currently provides group medical through Anthem BCBS with a January 1 plan year renewal. Research indicates limited supplemental/voluntary benefits offerings, creating a significant opportunity.

OPPORTUNITY RATING: HIGH

New HR leadership + supplemental benefits gap + aging workforce creates strong three-factor opportunity.

Employees~350 FT, ~150 PT (CAFR 2024)
Medical CarrierAnthem BCBS (Form 5500)
Plan TypeFully insured — PPO + HDHP
RenewalJanuary 1
SupplementalBasic life only — NO accident, CI, or hospital indemnity
S.
S. [redacted for sample]
HR Director — Appointed September 2025

12 years public sector HR. Previously Benefits Manager at a neighboring county where she led a supplemental benefits expansion for 2,800 employees. MBA, SHRM-SCP certified. Active in regional SHRM Chapter.

KEY QUOTE

"Voluntary benefits are the most cost-effective way for public employers to improve total compensation without increasing the tax burden."

— Ohio SHRM State Conference, 2023

Decision AuthorityHIGH — Reports to City Manager
Emails******@ci.*****.oh.us — redacted for sample
Phone937-***-**** — redacted for sample
COVERAGE GAP: No Supplemental Benefits

Only basic life and AD&D beyond core medical. With 42% of employees over 50, significant out-of-pocket exposure from the HDHP option.

Product fit: Accident, critical illness, hospital indemnity — all employee-paid, zero cost to city budget.

BUDGET PRESSURE: 6.8% Premium Increase

Added $180K to annual benefits budget. Council minutes show concern about sustainability. (City Council Minutes, Oct 2024)

Voluntary Accident CoverageNot offered vs 72% of peers
Critical Illness CoverageNot offered vs 58% of peers
Hospital IndemnityNot offered vs 41% of peers
Current BrokerNot identified — potential opening
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