Bob Hutt is an employee benefit broker and consultant who helps small-to-medium sized businesses look great with their employees while significantly driving down the cost of group health insurance, employee benefits and related administrative overhead. Through Access Companies, Bob offers a wide range of employee benefit and HR programs and services – from full service payroll processing to 401(k) administration to the gamut of employer sponsored fully insured and partially self-funded group health insurance plans and employee paid supplemental benefit plans. Bob specializes in helping small-to-medium sized businesses more effectively communicate the value and functionality of increasingly complex consumer-driven health plans, and helping employees identify and attain key strategic financial goals and objectives.