I need information on:

Search our Site

search for keywords:

Find Out More

Request a quote or more information using our online form.

First-time & New Group Benefits

We help commercial and non-profit employer groups of 2 to 200 employees stay competitive with quality benefits plans.

We'll help you control insurance costs and communicate effectively with employees. We're at your side with exceptional service anytime you need us.

There are several steps to setting up a benefits plan. We'll help you each step of the way:

small group vs. individual coverage

The first step is deciding whether to offer group benefits.

For many small business owners, the decision to start a group plan comes with the realization that good benefits are a key to hiring and keeping quality employees. Read about small group vs. individual coverage.

sample comprehensive benefits plan

Employee benefits are a crucial component of business success. While economic reality may not allow for all types of benefits, a good package will include the right mix for the group.

A comprehensive plan might include: medical, dental, vision, life, disability, retirement, flexible spending, and commuter benefits. See a sample comprehensive Employee Benefits Plan.

qualifying under AB1672

To receive guaranteed issue coverage and standard rates, small employer groups with 2-50 employees must qualify under California state legislation AB1672.

For groups who don't qualify, carriers can set their own underwriting rules and decline to offer coverage. Read more about small groups and AB1672.

Mid-size groups with 51 or more employees are not guaranteed coverage or standardized rates. We can help you find the best carrier, plans, and rates. Contact us for a custom quote.

offering choice

How can you control costs and keep employees satisfied with their benefits? Offer meaningful choice.

There are several ways to use choice to maximize the value of your benefits. Read about making choices that work for you.

pre-tax benefits

One way to help employees save money is to offer pre-tax benefits through payroll deduction.

With pre-tax benefits, employee contributions are not counted as taxable income. Employers benefit, too, with payroll tax savings. Find out more about types of pre-tax benefits.

other considerations

Before the plan is set up, some decisions must be made regarding benefits waiting periods and the scope of domestic partner coverage.

Read about choosing a waiting period.

Read about domestic partner coverage.