Stay Compliant
Stay Competitive

Empowering contractors with compliant, strategic, and transparent benefits
maximizing employee value while minimizing risk.

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Who We Are

About Us

Maximize Value - Minimize Risk

Delivering compliant, strategically designed, and financially transparent benefits programs.

H&W Strategies is a specialized brokerage and consulting firm providing Health & Welfare (H&W) benefit solutions funded with fringe dollars for government contractors operating under the McNamara-O’Hara Service Contract Act (SCA) and the Davis-Bacon and Related Acts (DBA). We support contractors across both the service and construction industries, delivering compliant, defensible benefit strategies that satisfy federal prevailing wage and fringe benefit requirements while maximizing fringe dollar efficiency.

Under SCA and Davis-Bacon wage determinations, contractors must furnish required fringe benefits separate from and in addition to hourly wages, on an individual employee basis, and in accordance with U.S. Department of Labor (DOL) regulations. These obligations may be satisfied only through bona fide fringe benefit arrangements, which the DOL evaluates based on funding structure, enforceability, documentation, fiduciary responsibility, and ongoing reporting obligations.

 
 
 
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"Excellence is never an accident. It is always the result of high intention, sincere effort, and intelligent execution."
— Aristotle
Services

Our Services

What we bring to keep you competitive.

Small Businesses

Funded Fringe Benefit Plans

H&W Strategies specializes in the design, brokerage, and placement of funded H&W plans, which are generally the preferred method for satisfying federal fringe obligations. Funded plans require irrevocable contributions made on behalf of covered employees to an independent third party—such as an insurance carrier or trust—under a written plan with a primary purpose of providing benefits to workers. These arrangements must be legally enforceable, non-reverting to the contractor, and administered in compliance with applicable fiduciary standards and ERISA reporting requirements. Properly structured funded plans allow contractors to efficiently meet fringe requirements while reducing audit exposure and long-term liability.

Larger Businesses

Unfunded Fringe Benefit Plans

H&W Strategies also advises contractors on unfunded (self-insured) fringe benefit plans, which involve paying benefits out-of-pocket as costs are incurred rather than through advance funding. Under DOL regulations, unfunded plans are not generally considered bona fide for SCA or Davis-Bacon purposes—except in limited circumstances such as vacation or holiday benefits—and typically require advance approval from the Department of Labor. We assist contractors in evaluating whether an unfunded approach is viable, preparing required documentation, and navigating the DOL approval process when applicable, while clearly outlining the compliance risks, reporting obligations, and administrative considerations associated with these arrangements.

Compliance

Comprehensive Compliance & Advisory Services

As both broker and consultant, H&W Strategies provides end-to-end fringe benefit support, including fringe-funded H&W plan design, brokerage and carrier placement, trust and funding strategy, fringe allocation consulting, Form 5500 H&W plan filings, and ongoing compliance advisory services. We help contractors ensure fringe benefits are properly structured, accurately tracked, fully documented, and aligned with DOL and ERISA requirements—supporting audit readiness, minimizing enforcement risk, and strengthening competitive positioning on government contracts.

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Address

892 Park Avenue, Manhattan
New York, NY 10075

Email

hello@businessdemo.com

Phone

+1 (555) 789-2468

Hours

Monday - Friday: 9AM - 6PM
Saturday: 10AM - 4PM

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