What Should an Employee Benefits Broker Actually Do for Your Business?
Case Study: How a 45-Employee Company Saved $150,000 Per Year by Leaving a PEO and Moving to a Level-Funded Health Plan September 3, 2026 Many employers assume every employee benefits broker provides roughly the same service. The carrier pays the commission, the broker presents renewal options and employees receive insurance cards. What else is there? […]
Health Insurance Options for a Business With 25 Employees
Compare fully insured, level-funded and individual-market health benefit options for a business with approximately 25 employees.
Health Savings Accounts (HSAs): The Retirement Account Too Many People Overlook
Case Study: How a 45-Employee Company Saved $150,000 Per Year by Leaving a PEO and Moving to a Level-Funded Health Plan August 25, 2026 When most people think about retirement savings, they think about a 401(k) or an IRA. But one of the most powerful retirement tools available may already be sitting inside your health […]
Case Study: How a 45-Employee Company Saved $150,000 Per Year by Leaving a PEO and Moving to a Level-Funded Health Plan
Case Study: How a 45-Employee Company Saved $150,000 Per Year by Leaving a PEO and Moving to a Level-Funded Health Plan July 28, 2026 The Challenge: Rising Healthcare Costs Inside a PEO A growing company with approximately 45 employees came to The BRIC Agency looking for answers. Like many small and mid-sized businesses, they were […]
Case Study: How a 40-Employee Company Reduced Healthcare Costs by $60,000 While Improving Benefits
Case Study: How a 40-Employee Company Reduced Healthcare Costs by $60,000 While Improving Benefits July 28, 2026 The Challenge: Another Large Renewal Increase from Blue Cross A Pennsylvania-based employer with approximately 40 covered employees had been insured through Blue Cross for more than 10 years. While they valued the network and stability of their coverage, […]
Case Study: How a 60-Employee Law Firm Reduced Self-Funded Health Plan Costs by $125,000
Negotiating Medical Bills: How Employees Can Reduce Healthcare Costs and Why Programs Like AblePay Matter July 28, 2026 A law firm with approximately 60 covered employees had operated under a self-funded health plan for several years. While self-funding provided greater control and flexibility, it also meant the firm was directly impacted by high-cost medical claims. […]
ACA 1095 Forms: Filing Requirements, Deadlines, Best Practices, and Solutions for Employers
ACA 1095 Forms: Filing Requirements, Deadlines, Best Practices, and Solutions for Employers July 28, 2026 As employers continue to navigate Affordable Care Act (ACA) compliance, Forms 1094 and 1095 remain critical reporting requirements. Failure to file accurately and on time can result in significant IRS penalties, employee confusion, and increased administrative burden. Understanding who must […]
PCOR 6-5-2026
PCOR 6-5-2026 July 28, 2026 The PCORI (Patient-Centered Outcomes Research Institute) fee requires employers with self-funded, level-funded, or HRA-sponsored health plans to submit an annual filing and payment to the IRS. You must file Form 720 annually, to report and pay the fee. The fee is based on the average number of lives covered under the policy […]
Negotiating Medical Bills: How Employees Can Reduce Healthcare Costs and Why Programs Like AblePay Matter
Negotiating Medical Bills: How Employees Can Reduce Healthcare Costs and Why Programs Like AblePay Matter July 28, 2026 For many families, the most stressful part of a medical event isn’t the diagnosis—it’s the bill that arrives weeks later. Even individuals with good health insurance can face thousands of dollars in deductibles, coinsurance, and out-of-pocket expenses. […]
How to Determine if Your Business Has 50 or More Full-Time Equivalent (FTE) Employees Under the ACA
How to Determine if Your Business Has 50 or More Full-Time Equivalent (FTE) Employees Under the ACA June 24, 2026 For employers, one of the most important Affordable Care Act (ACA) compliance questions is: “Do I have 50 or more Full-Time Equivalent (FTE) employees?” The answer determines whether your organization is considered an Applicable Large […]