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Flores & Associates: Empowering Employers Through Smarter Benefits Administration

 

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Flores & Associates is a trusted third-party administrator headquartered in Charlotte, North Carolina, with over 30 years of experience delivering customized employee benefit solutions. Specializing in employer-sponsored reimbursement plans, compliance services, and leave management, Flores is recognized for its personalized service model, proprietary technology, and commitment to excellence.

Our Core Services

Flores offers a broad portfolio of services designed to support employers and enhance the employee experience:

  • Flexible Spending Accounts (FSAs) & Commuter Benefits
    Includes Health Care FSAs, Dependent Care FSAs, Limited Purpose FSAs, and Commuter Benefit Accounts. These accounts offer pre-tax savings and flexible reimbursement options for everyday expenses like healthcare, childcare, and transportation.
  • Health Savings Accounts (HSAs)
    HSAs are offered alongside high-deductible health plans and provide triple tax advantages. They allow employees to pay for current qualified medical expenses and save for future healthcare needs.
  • Health Reimbursement Arrangements (HRAs) & Custom Reimbursement Accounts
    Employer-funded plans such as HRAs, Lifestyle Benefit Accounts, Student Loan Repayment Assistance, and Tuition Assistance programs support employee well-being and professional development.
  • COBRA & Direct Billing Services
    Flores manages COBRA compliance and billing services with precision, ensuring a seamless continuation of benefits for former employees and dependents, while reducing the administrative burden for employers.
  • Leave Administration Services
    Full-service administration of FMLA, ADA, and state leave programs with real-time tracking, documentation support, and compliance management.
  • Compliance Support
    Services include Premium Only Plans (POP), Wrap SPDs, Form 5500 filings, and access to an HR Compliance Center. Flores helps employers navigate complex ERISA and IRS regulations with confidence.

Why Choose Flores

What sets Flores apart is its people-first approach, supported by proprietary systems designed to simplify plan management. Each client is paired with a dedicated account manager who becomes an extension of their HR team—offering guidance, timely support, and operational continuity.

Participants also benefit from user-friendly online tools and a robust mobile app that make account management intuitive and efficient.

Industry Recognition

Flores has earned national recognition for its innovation and service, including honors as a top employee benefits provider. The company’s focus on detail, accountability, and strategic partnership makes it a standout choice for employers seeking a reliable, long-term benefits administrator.

Empowering Your Workforce

With Flores & Associates, employers can deliver a benefits experience that’s compliant, cost-effective, and easy to use. By offering thoughtful plan designs and responsive support, Flores helps companies attract, retain, and empower top talent.

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