Property management, leasing, rental and equipment services. The corporate office is small; the workforce is spread across buildings, sites and routes that were never designed to administer a benefits plan.
See how we work a whole benefits program →
Brokerages with 1099 agents: one group plan for agents and staff →
Each industry below has its own guide to eligibility, funding, compliance and retention for employers like yours.
Benefits planning, eligibility rules and cost control for affordable housing property management company employers.
Benefits planning, eligibility rules and cost control for commercial real estate owners and developers employers.
Benefits planning, eligibility rules and cost control for apartment community and self storage operators employers.
Benefits planning, eligibility rules and cost control for real estate brokerage and title company employers.
Benefits planning, eligibility rules and cost control for condominium and homeowner association management company employers.
Benefits planning, eligibility rules and cost control for apartment and residential rental operator employers.
Find your headcount. What changes at that size in this industry, and what we do about it.
A small corporate office plus scattered site staff can add up to more full-time equivalents than anyone expects.
What we do about it: Runs the controlled-group and full-time-equivalent calculations properly, then prices the small-group market.
Applicable-large-employer status begins, and it is calculated across the controlled group, not per entity.
What we do about it: Establishes which entities aggregate and builds the reporting once, for the group.
A larger portfolio makes claims credible, but each acquisition changes the census mid-year.
What we do about it: Models funding that tolerates a moving census and handles mid-year additions cleanly.
Properties across many states mean many sets of state rules and a network map per market.
What we do about it: Maps the rules and the networks market by market and runs one program over the top.
Possibly. The controlled-group and affiliated-service-group rules aggregate common ownership, and we establish that position before your applicable-large-employer calculation depends on it. Parent-subsidiary and brother-sister ownership can both combine companies, and family ownership can be attributed across entities. If they aggregate, every company’s full-time and equivalent employees are added together, although each company still makes its own offers and files its own forms.
Property by property, on site, with materials a site manager can actually run. Site managers get a simple guide and the enrollment materials, and employees can call us directly for help choosing a plan rather than waiting for someone from the corporate office.
New employees enter under your existing eligibility rules. We handle the mid-year addition so the plan year and the reporting stay intact. Where the seller had its own plan, we check that coverage runs to the closing date so nobody falls into a gap, and whether the carrier will waive the waiting period for transferred staff.
Federal rules are the same across industries. These are the workforce factors that shape benefits for this sector.
Many agents are independent contractors, and classification matters. Worker classification drives who is eligible for the plan, so we confirm each role with your counsel or payroll adviser, set clear eligibility rules in the plan document, and keep enrollment records consistent for agents, staff and anyone in between.
Small groups face carrier participation rules. Carriers often expect a minimum number of enrolled employees and a minimum employer contribution, which can be hard for a small office to meet. We review those requirements early and structure contribution and waiver rules so the group stays eligible.
Variable pay affects affordability and enrollment. When pay swings from month to month, the cost of coverage can feel different each pay period and can affect affordability tests. We help you choose a contribution approach that stays workable when income varies, and we explain it clearly to staff.
Maintenance and leasing staff may be hourly with variable hours. Variable hours make it harder to know who counts as full time for eligibility and reporting. We help you set a consistent way to track hours, define measurement periods with your advisers, and explain the rules so maintenance and leasing staff know where they stand.
Only if they are employees under the plan terms. Contractors generally are not.
It affects affordability tests and enrollment decisions.
Carrier participation and contribution rules apply. Confirm them first.
The core federal rules, including ERISA, the ACA, COBRA, and HIPAA, apply the same way. Workforce shape is what differs.
By averaging full-time equivalent employees in the prior calendar year. Fifty or more makes you a large employer.
Generally when you have 20 or more employees.
Months before the effective date, so there is time to compare options.
Your renewal, plan summaries, and a census.
Yes. Send it to us.
Benefits for agents, office staff and on-site teams.
Apartment operators employ leasing agents, property managers, and maintenance technicians across communities that never close.
Rental and leasing companies run counters, yards, and fleets.
Community management firms run associations, handle budgets and vendors, and answer to boards and residents.
Real estate brokerages run on agents who are usually independent contractors, supported by a smaller team of employees.
Commercial owners and developers often hold each building in its own entity.
An individual coverage HRA lets a firm set separate allowances for salaried managers and office staff, hourly on-site and maintenance…
Manufactured housing community operators run small on-site teams of managers and maintenance staff spread across several properties.
Senior living operators are real estate and care employers at once, with caregivers, dining and maintenance teams on round-the-clock schedules.
Parking operators staff garages and lots with attendants, valets and managers on shift schedules, often with high turnover.
How single-asset LLCs, management companies and development entities are counted together for the ACA employer mandate, and what that means for benefit planning in Michigan.
Onsite lodging for resident managers, small site teams and Michigan earned sick time: the benefit rules that shape apartment community and self-storage employers.
How worker classification for field appraisers and inspectors affects benefit eligibility and the ACA employer mandate count for Michigan firms.
How seasonal staffing at Michigan vacation rental operators interacts with the ACA seasonal employee definition, initial measurement periods and the Michigan Earned Sick Time Act.
Hours of service, branch-by-branch measurement periods and monthly full-time tests for counter agents, shuttle drivers and lot staff at Michigan rental and leasing companies.
The laws and rules named on this page link to the statute or regulation they come from. This is general information, not legal or tax advice, and rules change, so check the current text.
The federal law that sets reporting, disclosure and fiduciary rules for employer-sponsored benefit plans.
Requires many group health plans to offer temporary continuation coverage after a qualifying event.
The 2010 health reform law, with later amendments, behind employer coverage, reporting and market rules.
Federal privacy and security standards for protected health information held by health plans.
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.
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An individual coverage HRA works differently in every workforce. The industry guides show how classes, allowances and affordability apply.
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