Small Business Benefit Plans

Instead of focusing exclusively on the dollars from larger corporate clients, we’ve remained true to the spirit of American entrepreneurism and continued to serve small businesses.We’ll be with you every step of the way, helping you sort through challenges, define strategies, and implement tactics to get results. Your clients consistently rank Guardian 9 out of 10 on responsiveness, knowledge and courtesy, bringing new products and services to the marketplace and creating more jobs for working Americans.Offering health benefits is a major decision for small businesses.

A high deductible health plan (HDHP) provides lower premiums for employees, which also lowers your employer premium contribution.

While an HDHP is not the only health insurance option for group coverage, it could reduce your overall healthcare costs.

The Small Business Administration lists 5 employee benefits that employers usually must provide: You may be surprised by just how much employees value workplace benefits.

In a 2015 Employee Confidence Survey from Glassdoor, nearly 4 in 5 employees would rather have more benefits than a pay raise.

The cost of providing an employee benefits program may scare off some small business owners.

But that's why the need for brokers to also be benefits advisors has increased so greatly.

Some benefits are required by law, while others are pretty much expected by today’s employees.

By knowing what should be included as standard employee benefits, you can create the best benefits package for your employees.

It’s no secret that health insurance is a big expense for employers, especially for small business owners who typically use most of their revenue (about 70 percent) to pay employees.

This may leave a very tight budget to provide employees with qualified health insurance that includes the 10 “essential health benefits” the Affordable Care Act (ACA) requires plans sold in the individual and small group market to have: The ACA also established the employer mandate in which business owners with 50 or more full-time equivalent (FTE) employees may be subject to a tax penalty if they don’t offer health insurance.

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