Thursday 23 Feb 2012
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401(K) PLANS

Save on yearly administration costs, and reduce your liability! Cardinal offers a multi-employer 401(k) retirement savings plan through Lincoln Financial Group.

This plan is operated by Cardinal and is designed to allow clients and their employees to invest a portion of  their gross income into a tax sheltered mutual fund. Cardinal takes on the administrative responsibilities for the plan and manages employee/employer contributions to Lincoln. This plan is flexible in that it allows clients three (3) plans to choose from and it allows employees a full range of investment options with Lincoln. In some cases, we can develop a specific 401(k) plan for our clients, which can include profit sharing and other options. Cardinal does not contribute to the plan.

 

Flexible Spending / Section 125 Plans

Flexible Spending Accounts (FSA) are among the nation’s leading employer‐sponsored benefit programs and provide significant tax‐savings to both employees and employers alike.

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    Deschutes Dental Care

    “Partnering with Cardinal Services and leasing our employees has allowed our practice to focus on the things we do best. They free us up to concentrate on our primary mission which leads to more revenue for our practice.”

     

    Phillippe Freeman, DMD
    Owner
    freemansmiles.com

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    FCC Commercial Furniture

    “Cardinal will find out how you do business, what you look for in people, and then develop a framework specifically for you. They cater to their clients. Cardinal doesn't do business, they build a relationship.”

     

    Preston O'Hara
    Human Resources Manager
    fccfurn.com

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    Discover Sunriver Vacation Rentals

    “Outsourcing to Cardinal has created efficiency for our firm with payroll, employee screening, and Human Resource expertise. Cardinal has taken the worry and headache of having employees away while keeping our operation compliant and up to date with employment law.”

     

    Larry Browning
    Owner/Operator
    discoversunriver.com

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    Carson-Davis Oil Company

    “The professional services Cardinal offers are a valuable asset to our company. They have drastically reduced the time and stress of locating, screening, and hiring new employees. The services and staff are top-notch. Simply put, Cardinal makes it easier to be an employer.”

     

    Chris Davis
    General Manager
    carsonoil.com


  • Hansen-Larson

    "Hiring Cardinal was one of the best business decisions we made. I simply send an email each month with our employees’ hours and the rest is taken care of; No need to worry! Rather than getting bogged down in the business side of a law practice, we can spend our time focusing on what really matters – our clients."

     

    Kristin Larson

    President

    www.hansen-larson.com

  • Interior Office Concepts

    "I have been utilizing Cardinals services for several years and have been extremely pleased with their professionalism and customer service! It is a huge weight off my business to have Cardinal. I've used other companies in the past and know that Cardinal is superior in all that they offer! Time is critical to business owners and Cardinal 'gets that'!"

     

    Michelle Steffens

    Owner

    www.interiorofficeconcepts.com

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    Web Marketing, Inc.

    "Through Cardinal I can offer the benefits of a large company even though we are fairly small. Plus, it's like having a full service HR department at your fingertips. Best idea I've come up with in a while is to use Cardinal.”

     

    Jack Brown
    Owner/Operator

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    Bend Pet Express

    “Cardinal has been an outstanding Human Resource partner for Bend Pet Express. Their friendly service and expertise set the standard and make them a pleasure to work with.”

     

    Julie Hunter
    Owner/Operator
    bendpetexpress.com

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    The Old Pad

    “As a first time business owner streamlining administrative details such as payroll, recruitment, workers' compensation, and accounting with Cardinal allows me to focus on my day to day operations. Having an advocate like Cardinal, means having an advantage over the competition.”

     

    LaMonte Cherrick
    Owner/Operator

  • Dr. Roger Sims, DDS

    "We are very pleased with Cardinal Services! I NEVER have to wait for a response and any question that I have is always promptly answered. They truly take good care of Dr. Sims and our staff! I have never regretted the move to your company and the ease with which Cardinal helped us to make the transition! Thank you!" 

     

    Anne Mills

    Manager
    www.oregoncoastperiodontics.com

Every month, Cardinal Services sends out a newsletter to a select group of our clients and other interested businesses. These newsletters contain useful and timely HR related news for business owners and HR managers.

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Would you like to get our monthly newsletter email list? Email to advisor@cardinal-services.com

  • Dental Insurance

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    Although not always considered a top priority by employers when building an employee benefits plan, DENTAL INSURANCE is often a priority for employees.

    Cardinal offers dental insurance plans to eligible employees.Plans cover 100% on preventive services, 80% basic care, 50% major services, and 50% orthodontics. Deductibles and benefit limits apply.

  • Workers' Compensation Coverage


    We have flexible pay as you go options that reward those businesses with a great claim history, and special plans for those businesses that have had some bad experiences.

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    Plans are available in both employee leasing and individual policy situations.

  • Vision Benefits


    glasses_chartAs employers continue to struggle with the task of guiding employees to healthier lifestyles and a more proactive approach to preventive medicine, they might find some help from an unexpected source: VISION BENEFITS!

    By examining the eyes, an optometrist can often detect symptoms of chronic conditions in a pre-symptomatic stage. Cardinal's vision insurance plan covers annual exams, and lenses/contacts. Co-Pay Benefit limits apply.
  • Flexible Spending Account


    Flexible Spending Accounts (FSA’s) are among the nation’s leading employer‐sponsored benefit programs and provide significant tax‐savings.

    For employees, a pre‐tax reimbursement plan creates an instant savings of nearly 30%. By offering a FSA program, you greatly enhance your employee benefits package, which helps you attract and retain motivated employees.

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  • 401(k) Solutions


    IF YOU ARE AN EMPLOYER WHO SPONSORS YOUR OWN 401(K) PLAN, YOU ARE PUTTING YOURSELF AT FINANCIAL RISK THAT CAN BE AVOIDED.

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    Join our multiple employer plan and consolidate all of your needs into one easy solution. We free you from the burden of liability as cardinal becomes fiduciary, administrator, sponsor, and trustee.