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Tag: levelfundedplans

  • 18 Employee Benefit Examples to Consider Offering in 2026

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    Justin

    Employee benefits are an important consideration for any small business. Employee benefits help to attract and retain top talent, motivate your teams, and keep them physically and mentally healthy. It’s a good idea to regularly evaluate your employee benefits program to determine what’s working, the costs, and whether changes are necessary. Evaluating your employee benefits…

  • What Are Employees Looking for When They Search for Employee Benefits?

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    Justin

    For Small Business Owners & HR Leaders When employees search for “employee benefits,” they’re not thinking about plan documents, ERISA compliance, or carrier underwriting classes. They’re thinking about security, flexibility, and whether their employer truly values them. For small business owners — especially those competing for talent in markets like Atlanta, Brookhaven, Alpharetta, Roswell, Sandy…

  • Latest Trends in Employee Benefits for Small Businesses in 2025–2026

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    Justin

    Emergent Financial Group – Group Health, ICHRA, Level-Funded & Small Business Benefits Consulting Introduction: A New Era of Employee Benefits for Small Businesses The employee-benefits landscape is changing faster than at any point in the last decade. Medical inflation, record enrollment through Georgia Access, new expectations around flexibility and wellness, and the rise of personalized…

  • 10 Employee Benefits For Small Businesses In 2025

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    Justin

    In 2025, small businesses will want to have mental health benefits, virtual health care benefits, flexible work arrangements, and inclusive leave policies. These benefits trends are happening across industries, so to keep your benefits competitive, your business needs to be aware of them. The modern era is changing what perks employees want and even expect…

  • 5 Trends Shaping the Benefits Landscape for Small & Mid-sized Businesses

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    Justin

    As the first half of 2025 comes to a close, the employer-sponsored benefits market faces complex challenges. Political shifts, market instability and stubborn inflation have all contributed to those challenges, making it ever more difficult for businesses to provide high-value benefits while managing costs. Small and midsize employers (those with fewer than 50 employees) have…

  • Level-Funded Group Health Insurance: A Comprehensive Guide for Small Businesses

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    Justin

    1. What is Level-Funded Group Health Insurance? Level-funded group health insurance is a hybrid between fully insured and self-funded health plans. This structure gives businesses predictable costs with potential refunds, making it attractive for cost-conscious small businesses. 2. How Level-Funded Plans Compare to Other Options Feature / Plan Type Level-Funded Group Health Insurance ICHRA Self-Funded…

  • Best Retirement & Health Insurance Solutions for Small Businesses with 10–20 Employees

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    Justin

    When your business grows beyond the micro stage (2–5 employees) into the 10–20 employee range, your benefit strategy changes. You have more payroll, more diversity in employee income levels, and potentially higher turnover risks. This means you’ll want retirement and health benefits that balance tax efficiency, employee retention, and administrative complexity. Below is a comprehensive…

  • Types of Group Healthcare Plans

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    Justin

    What Are the Differences Between Group Healthcare Plans Here’s a breakdown of the differences between Standard Group Health Care, Level-Funded Group Health Care, and ICHRA (Individual Coverage Health Reimbursement Arrangement) Group Health Care — all of which are ways employers can offer health benefits, but they differ significantly in structure, risk, flexibility, and administration. 1.…