Project Information

Bid Title

Benefit Consulting Services

Issuing Agency

Fort Morgan

Location

Colorado

Published Date

Mar 9, 2026

Closing Date

Mar 30, 2026

Government Level

State & Local

Status

Closed

Original Source

Join to Access Full Details

Bid Inquiries

Join to Access Full Details

Bid Documents

Join to Access Full Details

Project Description

Bid Title:	Benefit Consulting Services
Category:	Professional Services
Status:	Open

Description: The City of Fort Morgan is requesting proposals from qualified individuals or organizations for Employee BenefitConsulting Services until 3:00 p.m. (our clock) onMarch 30, 2026 at City Hall located at 110 Main Street, Fort Morgan, Colorado 80701. No public opening will be held. If delivered, they are to be sent to 110 Main Street, Fort Morgan, CO 80701. If mailed, the address is P.O. Box 100, Fort Morgan, CO 80701. If proposal is to be emailed, it is to be sent to: For security reasons, you must enable JavaScript to view this E-mail address. Bids/Proposals must be received at City Hall prior to 3:00 p.m. (MST) on March 30, 2026. No pre-proposal meeting will be held. All questions regarding this bid should go to Director of HR & Risk Management.   Questions must be submitted in writing and can be emailed to For security reasons, you must enable JavaScript to view this E-mail address. . The cut-off date and time for questions is March 12, 2026, at 3:00 p.m. It is the responsibility of the prospective bidders to contact Jennifer Cuckow, Director of HR & Risk Management, at (970) 542-3975 to verify receipt of questions. A copy of the bid and associated documentation may be obtained as follows: The City Website at www.cityoffortmorgan.com City Hall located at 110 Main Street, Fort Morgan The Procurement Policy can be found here . Publication Date/Time: 3/2/2026 11:10 AM Closing Date/Time: 3/30/2026 3:00 PM Bid Opening Information: Not a Public Opening Pre-bid Meeting: No Pre-Bid Meeting Contact Person: Jennifer Cuckow, Director of HR & Risk Management, 970-542-3975 Plan & Spec Available: Please review the Request for Proposals in the Related Documents section below. Business Hours: Monday - Friday, 8 AM to 5 PM Fax Number: 970-542-3968 Special Requirements: Proposals must be properly signed, and any bid addendums acknowledged, by an authorized representative of the company with the legal capacity to bind the company to the contractual agreement. In addition, the authorized representative's signature of the Proposal assures the company's understanding of the City's Procurement Policy. Only Proposals properly received will be accepted. Miscellaneous: The City's Procurement Policy is available for review in the Municipal Code, Chapter 4, Article 6, Procurement and Contract Program. The link to this policy can be found on the city's website and in the description above. Related Documents: Request for Proposal - Benefit Consulting Services

Attachment Preview

REQUEST FOR PROPOSALS

For

Benefit Consulting Services

Jennifer Cuckow

Director of Human Resources & Risk Management

HUMAN RESOURCES

P.O. BOX 100

FORT MORGAN, COLORADO 80701

(970) 542-3975

Request for Proposal to Provide Benefit

Consulting Services to The City of Fort Morgan

Introduction and Instructions

The City of Fort Morgan is requesting proposals from qualified individuals or organizations (hereinafter

referred to as “Firm”) for employee benefit consulting services, as defined under the Scope of Work and

Service Expectations section contained herein.

Proposals must be received c/o Director of HR & Risk Management, no later than 3:00 p.m. MST on

March 30, 2026.

 If proposal is to be delivered via private courier, such as FedEx, UPS, ect. it must be submitted

in a sealed envelope marked “Request for Proposal/City of Fort Morgan Benefit Consulting

Services” sent to: 110 Main Street, Fort Morgan, CO 80701

 If proposal is to be mailed via USPS, it must be mailed in a sealed envelope marked “Request

for Proposal/City of Fort Morgan Benefits Consulting Services” sent to: PO BOX 100, Fort

Morgan, CO 80701

 If proposal is to be emailed, it is to be sent to: cfm.bids@cityoffortmorgan.com

Proposals received after the published date and time will not be considered. It is the sole responsibility of

the Firm to ensure that their proposal is received on time. The City is not responsible for delays which

may occur by the United States Postal Service, or any other means of delivery used by the Firm.

If a Firm finds a discrepancy or omission from the Request for Proposal (“RFP”), or should require

additional clarification of any part thereof, a written request for interpretation may be submitted. Any

interpretation of, or change made to the RFP will be made by written addendum to each Firm, and shall

become part of the request for any contract awarded.

Each Firm, by submission of its signed proposal, agrees to be bound by each and every term and

condition contained in this RFP.

A copy of this Request for Proposal may be downloaded at www.cityoffortmorgan.com. Questions

regarding this proposal should be sent in writing to the below by no later than 3:00 p.m. March 23, 2026.

Jennifer Cuckow, Director of HR & Risk Management

City of Fort Morgan

PO Box 100

Fort Morgan, CO 80701

Jennifer.cuckow@cityoffortmorgan.com

(970) 542-3975

2

Timeline of Activities

Issue Request for Proposal

Proposal deadline

Award benefit consulting services contract

March 9, 2026

March 30, 2026

April 24, 2026

Benefits Overview

Plan Year/Open Enrollment

The City’s benefit plan year is January 1 – December 31. The fiscal/budget year is the same as the plan

year. Open enrollment is held every year in October for changes effective January 1st of the following

plan year.

Benefits

The City of Fort Morgan has an employee base of approximately 160 full-time, “regular” positions. The

benefits for which the Firm will be responsible are those offered for full-time City employees. The

Human Resources Department is responsible for the administration of employee benefits.

These include:

 PPO Plan, HDHP (High) and HDHP (Low) with Cigna, utilizing a third-party administrator

(currently Lucent). Stop loss carrier is Stealth.

 Prescription services with RxBenefits

 Dental plan with Delta

 Vision plan with VSP

 Flex & HSA plans with Discovery Benefits

 Life Insurance, STD, LTD and voluntary Life Insurance with Lincoln

 Lifelock

 Aflac – Accident & Critical Illness

 EAP - BreeHealth

Scope of Work and Service Expectations

The Firm will assist the City in evaluating strategies to minimize increasing medical costs. This includes

continual review of the organizational needs and objectives of the City relating to benefit plan design, and

assisting in plan management, funding, implementation and ongoing administration, research and

technical services, renewals, marketing and plan compliance. A detailed scope of work and service

expectations will be finalized prior to the time the contract is signed. The Firm will provide the following

services throughout the term of the contract:

3

1. Serve as a technical consultant on all health insurance issues. Provide management advice and

assistance reviewing the City’s current benefits program, and notify the City of any necessary

plan document amendments or changes that need to be made.

2. Provide general guidance on national and regional trends in benefits and eligibility

requirements. Provide recommendations as to alternative benefit programs as reflected by the

City’s plan costs or benefit practices.

3. Assist in developing and achieving long-term benefit goals and objectives.

4. Provide notification and updates to federal and state laws, regulations, administrative and/or

judicial rulings and tax laws that may affect the City’s benefits program. Also, monitor and

provide information on pending or new legislation.

5. Maintain records of the financial and claims experience, as well as records on the condition and

progress of the City’s benefits program and provide quarterly reports. Advise on methods for

improving cost containment. Provide monthly payment and COBRA reports. Provide annual

claims analysis report for the prior year and projected costs for the following year.

6. Recommend annual employee contribution rates and provide an analysis of the fiscal impact

and funding requirements of those rates for the upcoming fiscal year. Research and

recommend alternative funding options.

7. Review and negotiate with vendors’ favorable costs, terms, and services for all City benefits,

including health, third party administration, dental, vision, life and AD&D insurance, employee

assistance, flexible spending, prescription drugs, stop loss and other plans.

8. Coordinate the receipt and review of contracts, plan documents and summary plan descriptions,

including amendments and restatements. Ensure accuracy and comprehensiveness of coverage.

Serve as liaison with providers in making necessary changes. Coordinate with City’s legal

counsel regarding contract interpretation, as needed.

9. Assist with adjudication of specific claims when requested by the city. Provide a

comprehensive and objective review of these claims to determine whether they are being

adjudicated according to the terms and conditions of any applicable plan document or contract.

Serve as a liaison between the City and program and other benefits contractors, including

coordination of reporting and assistance resolving claims.

10. Assist with the preparation and evaluation of requests for proposals (RFPs) for various vendors

in compliance with the City’s policies and procedures when requested. This may include

developing evaluation criteria for reviewing these proposals.

11. If requested, review employee communication materials for content and compliance with

federal and state laws and regulations. Help prepare materials and assist the Human Resources

Department in conducting annual open enrollment meetings.

12. Be available to attend meetings with City representatives as required (generally only a few

times a year in addition to annual enrollment meetings). Assist the City on a regular basis and

in a timely manner to resolve any problems that may arise. Provide a backup service person

that is knowledgeable about the City’s programs and benefits.

4

13. Serve as the City’s HIPPA and COBRA compliance coordinator. Manage the ongoing

administration of COBRA in compliance with federal and state guidelines.

14. Maintain the confidentially of the City’s health claims, records and related data, which cannot

be sold, shared or otherwise disclosed to other companies or individuals without written

permission from City officials.

15. Prepare and review contracts, plan documents, insurance policies and other documents for

applicability, accuracy, and understandability. Coordinate review of all agreements with the

City’s legal counsel.

16. Participate in appropriate audits of vendors by preparing comprehensive and detailed reports,

including recommendations of the audit findings, and review results with the City’s plan

administrators.

17. The City reserves the right under the terms of this RFP to request related duties not specifically

set forth in the scope of work and service expectations.

Submitted Proposal Conditions

1. All Firms submitting a proposal shall comply with all conditions, requirements and specifications

contained herein. Failure to submit all requested information will result in rejection of the

proposal.

2. A duly authorized official of the Firm submitting the proposal must sign the proposal.

3. Only one proposal will be accepted from each Firm.

4. All price quotes must be firm for a period of one year following the opening of the proposal.

5. Each proposal must contain a “not to exceed” amount or “lump sum” payment specifically stated

within the proposal.

The City of Fort Morgan reserves the right to reject any and all proposals or any part thereof.

The City of Fort Morgan will not return proposals or other information supplied to the City by the Firms.

Evaluation of Proposals

The City will evaluate each proposal based on the criteria set forth below. Proposed Firms may be required

to make oral presentations as part of the evaluation process. The City is committed to selecting the most

responsible, responsive and competitive offer for the contract, but will not base its evaluation solely on

price. Following the notification of the successful Firm, it is expected that a contract will be executed

between the City and the Firm within two weeks, subject to the availability of specific funding for these

professional services.

Evaluation Criteria

The following criteria will be used to evaluate all proposals:

5

Commodity Codes

• NAICS 541611Administrative Management and General Management Consulting Services

* Disclaimer: Government BidHub provides information on bids, RFPs (Requests for Proposals), and RFQs (Requests for Qualifications) solely for convenience and informational purposes. This site is not an official public notice board. For official details, responses, or inquiries, please contact the relevant government agency directly.