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We’re a team that’s bound together by the core values we share – educating our clients and providing them the best service possible.

Eric P. Gulko, J.D.


Educator / Innovator / Collaborator

Eric brings more than 20 years of experience in the benefits industry and a proven track record partnering with his clients in the design, funding, administration, and compliance of their employer-sponsored benefits programs to help them shape high-performing cultures.

He is a leader in the industry and active participant in the national discussion for healthcare-reform policy and compliance matters. His work has included engaging with the White House, U.S. Department of Health and Human Services, U.S. Department of Labor, and other federal agencies on behalf of a particular client’s needs. Eric is an educator and writer providing thought leadership and insight to an array of audiences including clients' employees, postgraduates, and his industry peers.

As a business leader, Eric previously served as Vice President at Summit Benefit Solutions, Corporate Benefits Manager at Boston Scientific, and Benefits Analyst at Hewitt Associates. Balancing his client success strategies with his management skills, operations experience, and legal background, Eric’s work has encompassed plan management for tens of thousands of employees, for a wide range of clients including Fortune 500 companies, with demonstrable results and long-term client satisfaction.

Adjunct Associate Professor: Framingham State University

Juris Doctor: Boston College Law School

B.A./Political Science: Emory University

Licensed as an Individual Insurance Producer for Life, Health, and Accident Insurance

Member of the Board of Directors: Massachusetts Association of Health Underwriters

Member: Massachusetts Bar Association

Member: National Association of Health Underwriters

Recent Publications and Citations

Quoted in Boston Business Journal on Dental Enrollment Quoted in US News and World Report on Open Enrollment Quoted in Employee Benefit News on HSA Enrollment The ABCs of Self-Funding Your Health Plan How Millennials are Redefining Employee Benefits

Elissa D. Hille

Vice President
Employee Benefits Consulting

Advisor / Analyst / Strategist

Elissa has more than 25 years of employee benefits experience and brings a unique perspective from earlier leadership roles on both the client side and the consultant side of the industry.

Prior to joining Innovo Benefits Group, Elissa served as an Assistant Vice President at Aon Hewitt and as Senior Account Manager/Director of Administrative Services for Summit Benefit Solutions. Her expertise includes management of large and self-insured accounts as well as creating systems and processes for employee benefits outsourcing services, including COBRA administration, daily benefits administration, employee communications, health reimbursement accounts, and IRS filings. Earlier in her career, Elissa was a Senior Benefits Analyst at Boston Scientific, where she helped manage the health & welfare benefits program for over 10,000 employees nationwide.

At Innovo, Elissa is responsible for account management services, including financial analysis and pricing, marketing and renewal analysis, vendor negotiations, data analysis, plan design recommendations, implementation, regulatory compliance assistance, and day-to-day client relations.

B.A./Communications: University of Massachusetts, Amherst

Scott Croswell

Senior Benefits Consultant

Negotiator / Craftsman / Producer

Scott has worked more than 15 years in the group benefits industry, with a background in underwriting, account management, and business development.

Prior to joining Innovo Benefits Group in May 2017, Scott served as an account manager for seven years on the consulting as well as insurance carrier sides of the business. He is highly regarded for his intimate knowledge of the insurance carriers in the industry and for his high level of client consultation and service. Earlier in his career, Scott was a senior underwriter at Prudential Insurance Company of America, where he collaborated with national benefits brokers on clients with up to 10,000 employees.

At Innovo, Scott is responsible for client consulting, data analysis, vendor negotiations, and business development.

B.A./Political Science: Syracuse University

Licensed as an Individual Insurance Producer for Life, Health, Accident, Property and Casualty Insurance

Member: MetroWest Human Resources Management Association

Nancy Rodick

Benefits Analyst

Architect / Investigator / Technologist

Nancy has more than 15 years of experience in employee benefits. She took on a variety of roles during that time: administrative, analytical, technical, reconciliatory, and compliance filing. She has sat on both sides of the table, both as a client of 10,000-plus-employee organizations and as a consultant working with large and small employers. She has held leadership roles implementing KnowledgeWare tools for a human resource service center, implementing new Human Resource Information System (HRIS) tools, developing benefit-plans communications for employees, and analyzing company needs for benefit improvements and new plan offerings. Although a benefits analyst at heart, Nancy has a keen interest in technical systems and HRIS.

At Innovo Benefits Group, Nancy manages COBRA administration for clients, day-to-day client benefits administration, and enrollment systems implementation and testing.

B.S./Business Administration: Nichols College

Pension and Benefits Administration Certification: Bentley University

Jennifer Noonan

HR & Benefits Analyst

Guide / Practitioner / Teacher

Jennifer has over 15 years of human resources experience, spanning the full spectrum of HR functions. Over a career at both for-profit and not-for-profit organizations, her work has included recruiting, HR administration, employee relations, performance management, training, and employee benefits.

At Innovo, Jennifer manages day-to-day client-facing benefits administration, HR consulting, employee on-boarding, policy implementation, and enrollment systems implementation.

Prior to joining Innovo, she was the HR specialist for the Founders Affiliate of the American Heart Association, specializing in employee health and wellness. In that role, she was the subject-matter expert on all aspects of the benefit process — from plan design to claims adjudication. She led the team for the technical training and system administration of the HRIS system.

B.A./Psychology: University of Massachusetts, Dartmouth

Human Resources Certificate Program: Bentley College

Member: Northeastern Human Resources Association

Member: Society for Human Resources Management

At Innovo, we recognize that retirement plans are a key component of the HR ecosystem our clients manage for their organizations. For our clients that prefer a team approach to both benefits and retirement, we work with the professionals at Aegis Retirement Partners. Together, our teams provide complementary, customized services from our shared offices in Concord, Massachusetts.

Douglas C. Norberg

Retirement Plan Adviser

Partner, Aegis Retirement Partners LLC

As a senior executive in qualified retirement plans, Doug brings 27 years of experience to our clients. His areas of expertise include 401(k), 403(b), 457(b), defined benefit pension plans, and nonqualified deferred compensation programs.

Doug works closely with our clients to customize plans that work for plan sponsors and participants alike. He serves as a participating member of his clients’ investment committees in a fiduciary capacity (ERISA 3(21)) and regularly coordinates retirement planning and investment educational sessions to ensure that plan participants understand how to prepare for retirement.

Member: American Society of Pension Professionals & Actuaries

B.A./Economics and Political Science: Syracuse University

Accredited Independent Fiduciary: fi360

Registrations: FINRA Series 7, 6, 65, and 63

Kevin Haskell

Retirement Plan Adviser

Partner, Aegis Retirement Partners LLC

With over 20 years of experience and expertise, Kevin guides our clients through the complex rules and regulations that come with sponsoring a retirement plan. With his extensive knowledge of and insight into 401(k), 403(b), 457(b), and nonqualified plans, he has provided plan sponsors with the tools they need to ensure that their plans are designed to meet their specific goals and objectives. It is this same knowledge and expertise that positions him as a valuable resource to CPAs, attorneys, and other benefit professionals who seek his specific guidance and perspective.

Prior to co-founding our strategic partner, Aegis Retirement Partners, Kevin was vice president of Retirement Plan Services at Summit Financial Corporation, where for 17 years he was responsible for the design, conversion, and account management for over 40 retirement plan clients.

B.S./Business Administration: University of New Hampshire

MBA: Southern New Hampshire University

Registrations: FINRA Series 7 and 66

Designations: Certified Pension Consultant, Qualified Pension Administrator, Qualified 401(k) Administrator, and Qualified Plan Financial Consultant: American Society of Pension Professionals & Actuaries