5
documents required by law
By law, there are five documents you must have on file before you even offer a group health plan. Not after. Before.
Your unbiased employee benefits guide
Hidden benefit mistakes are costing your company thousands
I help time-strapped small business owners find and fix their company's costly employee benefit mistakes.
Keep your broker. Use me as your unbiased guide.
Don't have a broker? You need this even more.
Most small employers don't have the resources for a dedicated benefits manager. That means a non-benefits person is guessing at what needs to be done.
And that, my friend, can cost you.
The part nobody told you
Did you know…
$1,443
fine — per participant
There are 10+ notices you must give your enrolled employees every year. Skip just one — the Summary of Benefits and Coverage, the plain-English rundown of what your plan pays for — and that's the penalty. Multiply it by your headcount.
Reports you may not know you have to file
CMS Part D. RxDC. Gag Clause Attestations. Each one gets filed with a government agency, and the filing is your responsibility — even with a fully-insured plan, the standard setup where you pay a premium and the carrier takes the risk. Most employers assume the carrier handles all of this. Not all of it.
25–50%
what you may be overpaying
If fully-insured is the only kind of medical plan you've ever been shown, that's the likely range.
I help you
Slash rising premium costs, sloppy admin and iffy compliance
Slash Rising Premiums
Fully-insured and hope for the best isn't the only way to fund a health plan. I introduce you to the alternatives nobody mentioned — so next year's renewal is a decision, not a reflex.
Clean Up Sloppy Administration
Many employers' benefits administration runs on memory, sticky notes, and good intentions. I give you the process and templates to catch the costly errors before they add up.
Steady Shaky Compliance
Compliance stays invisible until you're asked for a document you didn't know you needed. Worse if the Department of Labor asks why you didn't file a report. I show you what's required, how to cover the gaps and avoid the fines.
Who's telling you this
Thirty years administering employee benefits, all of it on the administration side.
Here's what I've learned: big companies don't have better insurance. They have someone whose entire job is watching the plan.
You have a payroll person who got handed benefits administration on top of everything else. Maybe that person is you.
That gap is expensive. It's also fixable.
Book your Renewal Review
Start with 15 free minutesWe go through what you have, what you're missing, and what it's costing you. You leave with a list you can act on.
The first 15 minutes are free. If the Renewal Review is worth doing, it's $500 — one fee, no retainer. You'll know that before you book anything.
No broker at all? Then nobody is watching your plan, and this matters more, not less — on most fully-insured small group plans you're funding a broker's commission whether you use one or not.
I don't sell insurance. There's no pitch waiting for you at the end.
Free download
Not ready to talk? Start here.
15 Questions to Ask Your Broker Before You Sign the Renewal. Six pages. Print it, bring it to the meeting, write down what your broker says. Then a few short emails through renewal season.
Unsubscribe any time and I won't take it personally. I don't share your address.