Cobia has considerable experience of determining the effectiveness of salary sacrifice as well as implementing arrangements with clients.

Cobia offer technical expertise in pensions and benefits and employ a number of specialists in areas of consulting. Our breadth of resource and capability means you can draw on the services most appropriate for you whilst maximising 'in house' resources and therefore minimising external costs.

To ensure that your arrangements are managed and implemented effectively and efficiently, Cobia works alongside IFAs, pensions providers and other 3rd parties who may input into your benefits and reward strategy. Cobia will 'project manage' a seamless flex benefits implementation for you from initial discussion right the way through to payroll application.

Within a typical project, Cobia will manage the following elements:

• Employee Communications
  - Design
  - 'Negative consent'
  - Workshops
• HMRC Liaison
  - Impacts of salary sacrifice
  - Tax law
• Expenses policy design
• Payslip design
• Payroll technical support
• Risk and Governance
• Alignment to wider benefits strategy
• Technical support helpline

For further information please contact the Cobia team on 0845 226 0580 or email info@cobia-uk.com