You do not have to be a big company to offer real benefits. Group health, dental and vision, a fixed monthly allowance your employees spend on their own plan, or employee-paid coverage that costs the business nothing. We walk each path with you, quote what fits, and handle the paperwork. Nothing here is bought online; every path ends with a licensed advisor and a real quote for your team.
Most small businesses end up with a mix: one or two of these carried by the business, the rest offered to employees at their own cost. Here is what each one actually does, and what it does not.
Availability, plan designs and eligibility vary by state and group size. Nothing on this page is a price or an offer of coverage. Every path ends with a personal quote from a licensed advisor.
None of these are dramatic. They are just the ordinary weeks that quietly cost a small business its best people, and its owner a lot of money.
Same pay, same commute, same work. The other posting had one extra line, "health, dental and vision", and that was the tie-breaker. You never even got the call back.
A benefits line on the posting is often the difference between the candidate you wanted and the one who was available. Try the Offer Letter Test below.
She was covered through her husband's job, so benefits never came up. Then his employer changed, the family needed coverage, and the job that offered it was not yours.
Coverage you offer, even one they do not use today, is the reason people stay when life changes.
You cover the payroll and the rent, and then you buy your own family's health plan on the open market like you have no business at all.
Owners can often sit on the group plan too, and business-paid premiums are generally treated differently than personal ones. We walk that with your tax pro, not around them.
Two people is a group. Many small-group plans start there, ICHRA works at any size, and voluntary benefits ask nothing of the business at all.
Size decides which path fits. It almost never decides whether one exists.
You already have a plan, the renewal lands, and the number is a lot bigger than last year with no explanation and no options.
A renewal is a starting point for a re-shop, not a bill you have to pay. Tell us the month yours lands and we work ahead of it.
Enrollment forms, a census spreadsheet, who is eligible when, what happens when someone leaves: the paperwork is the reason plenty of owners quietly give up.
One agency, one advisor. We handle enrollment and the changes with you so the plan does not become a second job.
Type the job you are hiring for, pick your team size and the monthly amount you would be comfortable putting toward each employee, then switch benefits on and off. Watch your job posting change, and see how it reads to a candidate. No prices here; the budget is yours to choose.
The retirement match line is only a note for your posting: we do not set up retirement plans; we mention it because candidates scan for it.
We are hiring a dependable person to join a small, close team. Competitive pay, steady hours, and room to grow.
Benefits: not listed.
We are hiring a dependable person to join a small, close team. Competitive pay, steady hours, and room to grow.
Benefits: switch a benefit on above to write this line.
Candidate's-eye reaction, our read, not a survey. It only reflects which benefits are switched on, never their cost.
The Offer Letter Test is a way to think, not a quote. It shows nothing about what any benefit costs. The budget band is a number you chose, and an advisor sizes every option for real.
Five minutes, skip anything you do not know. Blanks are fine. A licensed advisor reads every answer personally and comes back with the paths that fit (group, ICHRA, voluntary, or a mix) with real numbers for your team.
Some carriers ask us to present their products one-on-one instead of on a website, and new ones join the lineup all the time. An advisor can pull up every product that could fit your needs, including the great options that are not listed here.
Tell us what you need covered and a licensed advisor will build a benefits plan that fits your team and your budget, from two people up.
*Plans, benefits, rates, and provider networks can change at any time. Speaking with your agent is necessary to verify the most up-to-date information before making any decision.