Public sector clients (cities, counties, special districts, K-12 schools, community colleges, universities, etc.) often enjoy statutory authority to come together to jointly fund and operate multiple employer programs (commonly referred to as "pools") to provide employee benefits. ECA is particularly experienced and adept in all major areas of employee benefit pool operations and offers services including.

• Pool formation feasibility studies
• Organization document drafting
• Regulatory filings & compliance
• Out-sourced pool management
• Underwriting
• Stop-loss/reinsurance placement

	"During the ten plus years we have worked with ECA we have enhanced benefit offerings, built a substantial surplus and, at the same time, minimized contribution increases."
	-Terry Cooper, County Manager Graham County