Insights
Expert analysis on employee benefits, insurance strategy, compliance, and cost optimization for employers and brokers.
384 articles
Most employers believe switching to a PEO means replacing their payroll system. Here is what a PEO co-employment arrangement actually requires from your payroll
Most employers with 20 to 250 employees have no idea what their group health plan's loss ratio is. They know what they pay in premiums. They hear from their bro
If your company has between 25 and 100 employees, there is a good chance you are paying more for your health plan than almost any other employer in the market —
Every year, the renewal letter arrives and the number goes up. Seven percent. Eleven percent. Sometimes fifteen. Fully-insured group health plans have trained e
Most employers assume that joining a Professional Employer Organization means giving up control. They picture handing over their workers' comp policy, their hea
If your company has 20 to 250 employees, there is a good chance your health plan goes through some form of medical underwriting every year. This is the process
Your benefits broker plays a major role in how much you spend on employee health plans every year. They help you select carriers, design plans, and navigate ren
When a handful of employees on your team have serious health conditions, it can feel like your entire benefits strategy is under threat. Carrier denials, surpri
Most mid-size employers offer a single health plan to every employee, regardless of whether that person is a salaried project manager or an hourly warehouse wor
Real first-year outcomes from mid-size employers who switched to ICHRA, including cost savings of 10 to 25 percent, employee satisfaction patterns, administrati
Mid-size employers who benchmark health plan costs save 8-15% compared to those who renew without market comparison.
Voluntary benefits like dental, vision, life, and disability coverage cost employers $0-$50 per employee per month but reduce turnover by 12-22% for mid-size co
Most employers look at their health plan renewal numbers every year and focus on premiums, deductibles, and copays. That makes sense. Those are the big line ite
Your group health plan renewal arrives 60 to 90 days before the plan year ends. You open the email, see a number that is 6% to 12% higher than last year, and yo
Every year, your health plan sends you a document called the Summary of Benefits and Coverage. It arrives during open enrollment, buried in a stack of PDFs or t
You know the feeling. Your best forklift operator gives two weeks' notice. Your office manager who knows every client by name? Gone — to a competitor across tow
If you run a small business with 15, 30, or even 60 employees, you've probably felt the squeeze: health insurance premiums go up every single year, and your opt
When a mid-Atlantic mechanical contractor reached their annual enrollment period, they faced a familiar problem: their benefits broker had stopped returning cal
When an employee leaves your company, a cascade of federal paperwork kicks into motion. You have 14 days to send qualifying event notices, employees have 60 day
The modern workforce is geographically scattered. A marketing manager works from Colorado, a developer from North Carolina, a finance person from California, an
Expanding across state lines feels like a milestone. It means growth, new markets, and bigger dreams. But the moment your small business opens a second office i
The hospitality industry runs on people. But people are leaving. The average hospitality worker stays in a job for just 17 months. For restaurants specifically,
Marcus spent six months evaluating three PEOs, comparing price sheets, and reviewing service brochures. He chose the provider with the lowest per-employee cost
When Sarah’s construction company paid its workers’ compensation renewal last month, she nearly fell out of her chair. A 34% rate increase for a company with a
When a key employee walks out the door, most small business owners feel the immediate sting—but they rarely calculate the true cost. Recruiting, training, lost
If you own a FedEx ground or last-mile delivery fleet, you know the math doesn't always work in your favor. Rising fuel costs, driver retention headache
You've built something remarkable. Your small business is growing, your team is becoming the backbone of your operations, and employees are asking the same que
It's Tuesday morning at a mid-sized boutique fitness studio in the Pacific Northwest. The studio owner sits with her bookkeeper reviewing payroll, and an uncomf
Your logistics company is growing. You've got 75 employees across warehousing and distribution. You're managing workers' compensation claims, negotiating health
You've hired your first loan officer in a second state. Suddenly, you're managing payroll in two jurisdictions, two different tax codes, two sets of employment
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