Group Benefits

For a small employer, benefits are a real cost and a real advantage, and the balance between those two is the whole design problem. A package that nobody uses is money spent for nothing. A package that costs more than the business can sustain gets cut in a bad year, which is worse than never having offered it.

A lot can be done without taking on the cost of a full medical plan. Voluntary and worksite products are paid for by the employee through payroll, which means the business can offer real coverage at little or no direct cost. Group life and disability are often less expensive than employees expect and are frequently the benefits they value most once something happens.

We start with the size of your team, what you can sustainably commit, and what your people would actually use — then look at what is available to a business of your size. Anything we look at gets costed honestly, including what it takes to administer it.