Employee Benefits
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What Is a Waiting Period and How It Affects Benefits
A waiting period is the time after an employee meets a plan's eligibility requirements and before health coverage becomes effective. For U.S. group health plans,
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Health Plan Nondiscrimination Testing Rules
Your benefits package looks broad, enrollment is healthy, and leadership assumes the compliance work is under control. Then an advisor asks whether the self-insured medical
Managing Employee Benefits How to Build a Smarter Plan
The renewal deadline is approaching, employees are asking which plan they should choose, and your payroll file still contains deductions from last year. In a
What Is Section 125 Plan
A Section 125 plan is a written employer-sponsored cafeteria plan that lets employees pay certain benefits, such as health premiums and FSA contributions, with pre-tax
What Is a Self Directed Broker? a Business Guide
Your CFO wants a retirement benefit that attracts experienced hires. Your employees want more investment choice. Your plan committee wants predictable administration, clear fees, and
What Is Benchmarking and How Employers Use It to Win
Your renewal packet has arrived. The premium is higher, participation looks uneven, and a department head says competitors offer better benefits. You're expected to recommend
Minimum Creditable Coverage Explained for Employers
A Woburn HR lead discovers that a remote sales hire working from New Hampshire still needs a Massachusetts coverage review because her payroll is taxed
Employee Benefits Communication Strategy: A Practical Guide
In a 2023 survey of more than 4,000 U.S. companies, 74% of employers said they had increased communication about compensation and benefits, yet only 23%
Cost of Employee Benefits Explained for SMBs
Employer benefits cost averaged $15.60 per hour worked in March 2026, or roughly 31.6% of total compensation. For SMB leaders, the job is understanding what
What Is a Professional Employer Organization
A PEO is a co-employment model where the PEO acts as a third-party payer for payroll and employment taxes while the client company retains day-to-day