Public Sector

We provide state-of-the-art solutions that reduce cost while maintaining benefit levels.

At TMR, we pride ourselves on providing state-of-the-art analytical, benchmarking, and plan predictive modeling services. We can routinely provide reports and analysis to our clients, highlighting areas of concern and the appropriate corrective actions.

Public Sector

We provide state-of-the-art solutions that reduce cost while maintaining benefit levels.

TMR has been providing employee benefit consulting services to public sector clients for over 25 years. Focusing on the public-sector division allows us to specialize in the unique demands of this segment. We assist our clients to navigate through the requirements of providing health care to their employees and retirees while remaining compliant and still providing first-in-class benefits.

Why Choose Us?

Our experience with public sector clients provides our firm with in-depth knowledge and understanding to effectively create and implement customized solutions. We believe data transparency is the most important decision-making tool to lay out a corrective action plan to present to the union officials. Our public sector experience gives a leg up on our competition as we are familiar with the dynamic challenges most public entities share. We can quickly and effectively identify costly and outdated funding solutions while understanding the role unions have in the decision-making process. Our state-of-the-art benchmarking provides our clients with leverage at the table when it comes to negotiations.

Our Plans

TMR & Associates offers insurance solutions that are tailored to fit any business, large or small. We work with you to understand your unique needs. Our plans include: 

Retiree healthcare (Pre & Post Medicare)

Retiree healthcare and Medicare can be confusing at times.

TMR has an in-depth understanding of retiree healthcare and the scope of services that are required. We have the experience to know certain eligibility requirements and the Center for Medicaid and Medicare Services (CMS) guidelines.

In addition, we offer our expertise to find creative solutions that reduce cost while maintaining benefit levels.

TMR is well-versed in the Collective Bargaining process. We assist our clients as they prepare for negotiations and are available throughout the process. At TMR we understand your benefits must be contract compliant, we work with our clients to help balance existing contract language with proposals.

Our experience has been with, but not limited to the following unions: AFSCME, MAPE, POAM, COAM, Teamsters, Plumbers, Roofers, MI Building Trades, Pipefitters, etc.

TMR provides one-on-one assistance with our clients on specific Public Acts such as: PA 54, PA 106, PA 152, PA 202. Also included with our services is ACA Reporting, PCORI Fee Calculation, COBRA, HIPPA, ADA, PPZCA, CARES Act, and any future State or Federal legislative developments.

TMR is a consultant on the Michigan Public Acts (54, 106, 152, 202) for our client's.

PA 54 – Pay and Benefits, incorporates with the Public Employment Relations Act (PERA) a cap on wages and benefits at the level in effect when the collective bargaining agreement expired, preventing automatic step increases by the public entity.

PA 106 - The Public Employees Health Act requires public entities to solicit bids for their healthcare benefits at least once every three years.

PA 152 - The Publicly Funded Health Insurance Contribution Act requires public entities to share the cost of healthcare with the employees by one of two ways: 80/20 percentage or the "hard cap" limitation which is a set dollar amount re-calculated every year.

PA 202 - Protecting local Government Retirement and Benefits Act implements the recommendations from the Responsible Retirement Reform Task Force. TMR will assist with the Form 5572 submission and evaluation.

Coverage Options

Let our experts design a customized benefit solution that is valued by both your employees and your company.

Consulting Services

We’re committed to providing outstanding products at competitive prices, and representing a full line of consulting services helps us meet your needs:

Data Analytics

Our team examines all healthcare data and uses state-of-the-art technology to deliver customized progress reports.


The Affordable Care Act (ACA), HIPAA, COBRA, ERISA, ALE Reporting and other laws have made it difficult for employers to know their responsibility. We help your business navigate safety through the complexities of ACA.

Let Us Do The Work For You.

Don’t waste your valuable time. We can help you find the right solution to fit your needs. Call (313) 963-1135 to speak to an expert now.