Richard J. Fleder is the President of T&H Benefits. After leading that organization to monumental growth, he was also named President of T&H Brokers in October of 2009.

 Richard began his career in 1975 at Tanenbaum-Harber which would become the present day T&H Benefits. In 1980, he was named Executive Vice President of T&H, responsible for their employee benefits division and formed T&H Benefits in 1996.

 Before leading T&H Benefits, Richard helped found Comprehensive Benefits Service Company (”CBSC”) a third party claims administrator in 1986. He was named president of CBSC in 1986. While helping CBSC achieve this success, he continued to run the benefits operation of T&H. In 1986, CBSC was sold to Employee Benefits Plans, Inc. (”EBP”), the largest third party administrator in the country. In 1992, Richard became president of the largest health plan of EBP. In 1996, EBP was sold to First Data Corporation. He declined an offer to remain with the new company, and opted to form Thesco Benefits (now T&H Benefits).

 Richard graduated from Franklin & Marshall College in 1976. Shortly thereafter, he received the CLU designation from the American College of Insurance. Richard was a member of the HMO Board of Directors of Oxford Health Plans. He was the sole member of the brokerage and consulting community to sit on this Board. He has been a member of the National Advisory Councils of Aetna, CIGNA, HealthNet and UnitedHealthcare.

Paula entered the insurance industry in 1975 at the Equitable Life Assurance Society where she remained until 1988. Ms. Boyd left Equitable in 1988 to assume a position in Account Management for Provident Life & Accident Insurance Company. She joined Comprehensive Benefits Service Company (CBSC) in 1991 as Client Services manager where she served until the 1996 sale of EBP to First Data Corporation.

Paula has great strength and experience in the client service arena having worked as Prudential’s Director of Clients Services for the tristate area, Director of Account Management for NYLCare and as Regional Director of Account Management for Oxford Health Plans.

In October 1999, Ms. Boyd rejoined Richard Fleder as Senior Vice President of T&H Benefits. She is responsible for the insurance operations of T&H Benefits, including client management and satisfaction, retention of in-force business, integration of new business and marketing entities.

With both a domestic U.S. and international business background, Mr. Kitkowski is responsible for
all of the Sales & Marketing functions for the company.

Prior to joining T&H Benefits, he was the Managing Director of Frank Crystal & Company’s Employee Benefits Practice for the East Coast of the US where he was responsible for all aspects of operations. Prior to Frank Crystal, Mr. Kitkowski was a Senior Vice President and Employee Benefits Practice Team Leader for Willis in New York City with full profit center responsibility. Prior to joining Willis, Mr. Kitkowski was a partner at First Coast Premier Group of Jacksonville, Florida. Prior to First Coast Premier Group, Mr. Kitkowski led the Employee Benefits marketing efforts for Gevity HR (formerly Staff Leasing, Inc.) – the worlds largest publicly traded professional employer organization. His extended background includes sales, marketing and communication management in Europe, the Middle East and Africa.

Mr. Kitkowski graduated from the University of Florida with a Bachelor’s of Science Degree in Business Administration with a Major in Marketing.

Kurt Knight is Senior Vice President of Group Financial Services at T&H Benefits, LLC.  His team is responsible for defining and negotiating each client’s best insurance arrangements on a local and national basis.  Kurt plays an integral role in identifying the most viable benefit opportunities based on the unique needs of each client and personally represents the most complex to create the best arrangements available. 

Kurt grew up the son of a small town doctor in Western New York.  He graduated with a Bachelor of Science in Finance from Ithaca College in 1989 and began his career at Blue Cross Blue Shield as a mid-market group underwriter.  Kurt accepted a position at IOA Re in 1994 as a Regional Manager responsible for marketing and underwriting self-insured employer stop loss policies nationally.  In 1996, he became Manager of the New York Regional Underwriting Department for New York Life’s HMO and POS plans.

Kurt joined T&H Benefits, LLC in 1998 to market stop loss arrangements on a local basis but was almost immediately put in charge of the company’s fledgling Marketing Department.  Over a decade later, this department has expanded extensively to encompass the best practices and financial expertise necessary to satisfy a broad block of the largest and most diverse clients on a national basis.

Kurt has participated on the national and local advisory councils for Aetna, Anthem Blue Cross Blue Shield, CIGNA, HealthNet, UnitedHealthcare and Unum.

Robert Munao is one of the Principals of T&H Benefits Bob has been in the Employee Benefits business for over 30 years.  He graduated from Fordham University with his MBA, and proceeded to become one of the leading benefit salespersons within MetLife.

In the early 1980’s, Bob started a regional TPA focusing on the introduction of self insurance to mid and large size companies.  With managed care on the horizon, Bob started his own consulting company, RM Consulting, to focus on large corporate clients that self-insure.  In 1990 Bob sold his company to a division of HRH, Inc. 

Prior to joining T&H benefits Bob was the national benefits practice leader of all of the HUB international operations.  He created Thesco Outsourcing Solutions to help manage the back office operations that our clients need technical assistance with. 

Bob was the founding chairperson of the National Council of Agents and Brokers, based in Washington, DC.  This is the largest brokerage trade group in the United States and was instrumental in creating that organization’s separate benefits specialty.  Bob holds a permanent Board position within that organization and serves on several national carrier advisory committees for both medical and ancillary lines coverage.

Gene is the Senior Vice President in charge of  T&H Benefit’s Chicago Office. Before joining T&H Benefits, Gene spent ten years as a broker/consultant with two brokerage firms. Most recently he was the Employee Benefits practice leader for Willis in Chicago, the largest Willis Employee Benefits operation in the U.S., and prior to that he ran the Chicago employee benefits operation for Hub International. Gene began his insurance career at MetLife, where he spent ten years in group product development, sales and management, culminating in his appointment as Regional Manager, covering four offices within a 14 state territory.

As the Midwest Practice Leader for T&H Benefits, Gene is responsible for the development and growth of the operation. In addition to his local sales/service and management roles, Gene serves as an Advisory Member on several national and  regional carrier / vendor advisory boards. He has also participated as a national board member of the Council of Employee Benefit Executives in Washington, DC.

Gene received his Bachelor of Science degree from Loras College. with a Major in Marketing.