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My group health insurance increased by more than 30%. What can I do?
For years, health insurance costs have already been increasing at more than double the rate of inflation. But even factoring in that trend, next year’s numbers seem like a prank.
Claire Baker
1 min read


Why should I consider short term disability for my small business?
Short term disability insurance (STD) isn’t sexy. It doesn't attract top talent, but it can keep a company from the kind of tough decisions that can end with lawyers. Many employers don’t even know that the situations that are draining their budget are insurable.
Claire Baker
2 min read


How does an HRA reduce employers' healthcare costs?
Employers have discretion about what's covered in their HRA plan, which is what makes them so useful. The company decides the annual limit, as well as specifications like whether to cover deductible expenses, post-deductible expenses, and/or over-the-counter expenses and services.
Claire Baker
2 min read


Do you really need a PEO? Here’s how to tell
A PEO is an insurance broker, a guardrail, and a payroll provider. But it’s not a brain. Some people need a PEO. Some need a person.
Most don’t know which they are.
Claire Baker
6 min read


401(k) Compliance isn't always automatic
We knew the compliance risks when we picked the non-Safe Harbor 401k option. We thought we were keeping an eye on it.
Claire Baker
2 min read


Insurance isn't a scam (probably)
Everywhere I went, I saw the same thing: Employees didn’t understand what they signed up for. Brokers didn’t really understand either. HR didn’t want to touch it. Claims were denied. People thought their plans sucked.
Claire Baker
2 min read


How to put thousands into your employees' pockets for next to nothing
Both employers and employees get 1.5x the value of every dollar compensated through a tax-sheltered program that they do through straight co
Claire Baker
8 min read


Selecting employer-sponsored health insurance
In this post we’ll discuss how to determine your budget and priorities, what information to look for in plan options, and how to structure a
Claire Baker
7 min read


Commuter Benefits
Offering a commuter benefit to your employees can make a meaningful difference in your team’s quality of life, improve productivity, and pot
Claire Baker
4 min read


How 401(k)s help small teams stretch their compensation budget
Adding a 401(k) plan to a company’s benefits package gives businesses a less expensive way to compensate employees than adding the same amou
Claire Baker
7 min read


12 ways to get the most out of your benefits budget
Read on for 12 practical tips on how to structure and present your employee benefits to get the most out of your organization’s greatest ass
Claire Baker
8 min read


Does your benefits package benefit your strategic goals?
Your employee benefits are a big investment. Make sure that your benefits package supports your employees’ productivity and sends a message
Claire Baker
6 min read
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