Insights
In 2025, 25% of part-time civilian workers had access to employer-provided medical care benefits, compared with 89% of full-time workers, according to the U.S. Bureau of Labor Statistics. That gap
An SMB benefits leader presents the wellness budget at a finance meeting. Employees have signed up, feedback is positive, and the vendor's dashboard shows activity. Then the CFO asks whether
You're in renewal season, the inbox is full of carrier decks, and someone on the leadership team just asked why benefits got so complicated. That's the employee benefits design problem,
Is the PPO really a premium benefit, or are you paying more for flexibility your employees rarely use? That's the question HR leaders should ask before treating a PPO as
A founder with 38 employees can make a sensible decision to offer health insurance and still discover months later that the policy was only the beginning. She may need to
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 creates that number and which
Your renewal notice lands in the inbox. Costs are climbing, employees still ask basic coverage questions, and someone on your team is trying to manage enrollment with spreadsheets, carrier PDFs,
If you're running a small or mid-sized business, benefits season probably feels familiar for the wrong reasons. HR is juggling spreadsheets, carrier PDFs, payroll notes, and employee questions that all
You've probably felt the shift already. A business that used to run on quick conversations and a simple payroll file now needs benefits enrollment, policy decisions, onboarding workflows, workers' compensation
You're probably in one of two places right now. Either you're offering benefits for the first time and trying to figure out how to avoid a bad decision, or you
