HR Companies & HR Consultants in Glencoe, MO

MFP Employee Benefits & HR Services, LLC is a consulting firm in Wildwood, Missouri. Its owner, Susan A. Carpenter, CCP, CEBS, leads the work. The firm helps employers build, launch and run benefit programs for their staff. It also helps people buy coverage on the federal Healthcare Marketplace and guides individuals through their Medicare choices.

Buyers comparing HR consultants should think of it as an advisory practice centered on benefits, backed by a solid background in pay and general HR work.

Benefit design and insurance coverage

The main focus of the practice is designing and rolling out benefit plans that employers sponsor. MFP covers a full set of group insurance lines, including:

• Medical coverage
• Dental and vision insurance
• Life and accidental death and dismemberment (AD&D) insurance
• Disability protection
• Voluntary benefits paid by employees
• Choices for retirees

The firm knows consumer-driven arrangements especially well, mainly high-deductible health coverage combined with HSAs. It also advises on cafeteria-style flexible benefit programs, self-insured funding, wellness efforts, and plans that span several years to keep benefit spending down.

Employee communication

Beyond plan design, MFP creates communication and education campaigns built for each workforce. These aim to help staff understand what their benefits actually provide and to make them better-informed health care shoppers. The firm describes its work with employers in terms of three goals: holding down expenses, getting workers more involved, and supporting a healthier workforce.

Background and credentials

Before she founded the firm, Carpenter was a consultant at Towers Perrin, a global HR consulting company. Her clients there included Anheuser-Busch Companies, BJC Health System, Guarantee Life Insurance, Lands' End, Pacific Bell, Union Pacific Railroad and Universal Underwriters Group. She also headed compensation and benefits for a national health care provider and held other HR roles.

She holds both the CEBS and CCP designations. She earned a business administration degree from Washington University (St. Louis) and did graduate study at Wharton and at Washington University. She has published articles on health reform, plan design and funding, and she speaks often on reform's effects, consumer-driven plans and HSAs.

The firm says it works with organizations in many different industries. The St. Louis chapter of NAWBO named Carpenter a Distinguished Business Owner, and she also received a Top Women Business Owner honor. She is active in the community. She chairs the finance committee of the St. Louis YMCA and is a past president of the St.

Louis chapter of Altrusa International. She has also served on the DePaul Health Center's foundation board and a Focus St. Louis committee, and she has been a Girl Scouts leader for many years. Employers looking for an owner-led benefits advisor get senior corporate consulting experience together with deep roots in the St. Louis area.