Offering benefits for the first time.
No history, no benchmark, no idea what is normal. The first plan an employer buys sets expectations the staff will hold them to for years, and most of the decisions that matter are made in the first two weeks by somebody with no basis for comparison. We build the first plan and the budget around it deliberately, so year two is not a correction.
The plan is the easy part. These four are the ones you live with.
Employers arrive asking which plan to buy. The questions that actually determine cost, fairness and how the offer is received are these.
Who is eligible, and when
How you define full time, and whether there is a waiting period before coverage starts. Both are written into the plan document and both are hard to tighten later without it reading as a takeaway.
What you contribute, by tier
The single-coverage share is what a recruiter quotes. The family-tier share is what an employee with children actually experiences, and it is usually the largest decision in the whole exercise.
What happens in year two
A first-year rate is priced without claims experience. Setting the budget on the assumption that the number repeats is the most common first-plan mistake we see.
Offering a plan turns on obligations on day one.
These are not year-three concerns. They attach as soon as there is a plan — and one of them applies whether or not you ever offer coverage at all.
The Marketplace notice
Due to each new hire within fourteen days of their start date, and it applies to essentially every employer covered by federal wage law, with or without a health plan, for every employee whether or not they enroll. Its real home is your onboarding packet, not the annual enrollment guide.
Plan documents and summaries
A summary of benefits and coverage for each option, and a summary plan description — which is a separate ERISA document that an enrollment guide does not satisfy, however complete the guide is. It is also the first thing anyone asks for.
Creditable coverage
If any covered person is Medicare eligible, the annual creditable-coverage notice applies with no employer size exemption. Small employers are the ones who miss it.
Built once, properly, with the second year already in view.
A market check, not one quote
Below fifty employees you are community rated, so the work is in plan design, contribution structure and timing rather than in your claims. We price the real options and explain the trade in each.
Enrollment your staff understand
First enrollments set the tone. Clear materials, sessions, and somebody employees can call — because a plan nobody understands is a cost with no goodwill attached.
A calendar from day one
Renewal date, filings, notices and the annual rebuild, on a schedule from the start rather than assembled in a panic the first time a deadline is missed.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Bloomfield Hills, MI 48304
248.370.8853
719.425.2649
281.404.5670
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