Smart Answers. Honest Guidance.
Everything you need to make informed decisions about your group employee benefits , answered by a broker who's been doing this since 1995.
Learn the essentials.
Group Benefits 101
A plain-English guide to medical, dental, vision, life, and disability for first-time employers.
ACA Compliance Checklist
Annual reporting requirements, Form 1095-C, and Applicable Large Employer thresholds.
Cost-Control Strategies
Plan design, contribution strategies, and HRA / HSA options that lower your premium.
You ask. We answer.
How many employees do I need to qualify for a group plan?+
Only 2. Once you have 2 full-time W-2 employees, you're eligible for group medical, dental, and vision coverage in California.
What does it cost to offer medical coverage?+
It depends on three things: the plan being offered, the age of each employee, and where they live. We'll prepare a free, custom quote , real numbers, no estimates.
How are enrollments done?+
Either in-person , we love employee meetings , or fully electronically through our secure enrollment platform. Many groups do a mix.
Do all employees have to participate?+
No. Employees must be offered coverage but can either enroll or formally waive it. Participation isn't mandatory in most plan designs.
Can we change plans later?+
Yes. Plans can be changed at your annual renewal, or sooner under qualifying business changes. We'll guide you through every option.
Do you handle compliance like ACA, COBRA, and Section 125?+
Yes. We handle ACA reporting, COBRA administration, ERISA compliance, Section 125 POP plans, and required notices , so you stay compliant without lifting a finger.
How long does the quote process take?+
Typically 24–48 hours from when we receive your census. Renewals start 60–90 days before your effective date.
Do you offer payroll services too?+
Yes. We offer fully integrated payroll that syncs with your benefit deductions and tax filings , one vendor, one phone call.
Secure Your Legacy
Free consultation. Honest answers. Custom plans for groups of 2–50+ employees.